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Results: Which step should I take next?

Get rid of stored furniture (? costs involved, but paperwork re big debt in there)

62.86% • 22 votes


0% • 0 votes

Work out my exact household expenditure

28.57% • 10 votes

Drop household maintenance? (Nothing needs doing at present)

2.86% • 1 votes

Get water meter to save poss. £75 per year

14.29% • 5 votes

Other (please specify in comment box - ty)

11.43% • 4 votes

You may not vote on this poll

35 votes in total.

    • miracleworker
    • By miracleworker 14th Sep 16, 4:24 AM
    • 10Posts
    • 29Thanks
    Walking Through Debts
    • #1
    • 14th Sep 16, 4:24 AM
    Walking Through Debts 14th Sep 16 at 4:24 AM

    251.10 Income
    007.53 Insurance
    028.75 Debt
    018.00 Electric
    016.00 Not Allocated
    070.00 Savings
    055.41 Per Week To Spend


    251.10 Income
    105.85 Debt
    023.55 Water
    010.00 Savings
    55.85 Per Week To Spend

    251.10 Income
    028.75 Debt
    007.53 Insurance
    034.00 Electric
    070.00 Savings
    055.41 Per Week To Spend


    251.10 Income
    105.85 Debt
    023.55 Water
    010.00 Savings
    55.85 Per Week To Spend
    £029.08 Topcashback payments pending
    £025.00 Boots Card
    £015.00 B&Q Card
    £010.00 Millets Gift Card - for walking trousers
    15% off Millets voucher
    NODDLE CREDIT SCORE: Sept '16: 497 I May '17 : 500 I Aug '17: 508 I Sept '17: 508 I
    Tasks In Process
    1. Reply to HMRC re. N.I. and WTC 'debts'.
    2. Apply to court for certificate of satisfaction for debt 5.
    3. Resolver cases:-
    a) Welcome Finance £10.6k - with Financial Ombudsman at 10/10/2017.
    b) Barclays overdraft debt £678.36

    Pending Tray
    1. 18/10: Set up new savings account, and standing order to it.
    2. List items for sale on eBay.
    3. Respond to WTC repayment demand £694.40
    Last edited by miracleworker; 16-10-2017 at 6:02 PM. Reason: WIP
Page 2
    • Bedsit Bob
    • By Bedsit Bob 18th Mar 17, 11:56 AM
    • 9,708 Posts
    • 50,998 Thanks
    Bedsit Bob
    Given their behaviour, I think it is very wise of you to use a SO, rather than a DD.
    My job is Top Secret. Even I don't know what I'm doing.

    Amount I have so far denied the BBC - £1161
    • StopIt
    • By StopIt 5th May 17, 7:58 AM
    • 1,068 Posts
    • 946 Thanks
    HMRC has said I don't owe any N.I., and they write the debt off for it, so long as I accept it affects my record, for benefits and pension. I think I'll take their offer.
    Originally posted by miracleworker

    Remember that if you don't have enough NI contributions via work or NI credits, you wont get a full state pension.

    You can check your NI contribution status here:
    • sourcrates
    • By sourcrates 25th Jun 17, 10:38 AM
    • 12,174 Posts
    • 11,635 Thanks
    Why have you deleted 90% of the thread ?

    It just does not make any sense to people reading it now.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there, and delete spam.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see :
    • miracleworker
    • By miracleworker 14th Sep 17, 8:17 PM
    • 10 Posts
    • 29 Thanks
    Why Have I Deleted '90%' Of The Thread?
    a) As far as importance of content is concerned, I've deleted very little.
    b) I need to see everything on one page. This is a complex working document.
    c) This is a debt-free wannabe thread, not an educational post.
    Last edited by miracleworker; 14-09-2017 at 8:25 PM.
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