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Debt free diaries

Archives for August 2012

Text message from 'Carter Forbes'
Today I received a text message from the DCA 'Carter Forbes', which stated as follows 'We have recently obtained new debit information from you call this number today to avoid your full outstanding balance being collected'. First of all I have not given this company my bank details; I have never even spoken to them…
New Diary - Last Time to Debt Free Success
I will make my first entry short but i just want to write down my current debt so i acknowledge it: Mint Card - 2584 MBNA - 38 B'Card (old egg one) - 469 B'Card Plat - 3931 Catalogue - 376 Total - 7398 :eek::eek: I've been down at zero before with the help of my hubby but i cannot tell him this time as he said me getting…
Sept - start of a 'new' year
As an ex teacher I have always seen September as the start of the 'new' year and so am going to set myself some goals now instead of in January. * Lose 2 stone * get rid of clutter * get a housework routine going Now setting the goals is easy but achieving them is a different matter so some real effort is going to be…
Crossroads
Hiya all, A lot is going on in my life at the mo and there's a lot I want to change so I'm thinking maybe keeping a diary on here will keep me motivated to carry out the short and long term goals I set for myself. My main goals for September will be mainly finishing off my training, revising hard for my all important exam…
Nic's income challenge diary!
Hi all, Well I've set myself the challenge of making an extra £400 this month (well, 20th Aug- 20th Sep), and thought I would get myself a little thread so I'm keeping track of it (and don't just forget about it!). So far - * £86.67 eBay sales (although some yet to come out in fees) * £8 FieldAgent tasks - I've just found…
Getting rid of Credit card build up
Delete Delete
Natwest bank close my account
I need advice please My current account with natwest was closed without any warning. I have an overdraft of £1221.66 owe on the account. I had an injury at work that made me unemploy and unable to work. The bank has sold the debt to a debt collection agency called fredrickson international limited. And they have been…
Bagpuss's blithering debt busting efforts!
Hi all. Another long time lurker. Feel the need to get all my thoughts out somewhere and am hoping to use this diary to keep me focused. I'll pop back in later with more waffle about my self.:D
Curlysoo's Life Makeover!
Having read through quite a few threads on here it has given me some inspiration.....and much needed motivation to get my life heading in the right direction! My main aims are: To get debt free. To improve mine and my partners credit score Get a part time job And thats it for now. If I can think of any more I will add to…
Little motivation and support please???
Hi everyone!! I don't normally post on this board normally os.... Well we got married last month and we are on our backsides, with ds1 age 5 and ds2 age nearly 5 months:) We are going to be in our overdraft by £200 on the 1st of sept and I need to stay focused!!!!! I've done a meal plan and only bought things needed for us…
Clippy's final diary :)
hello everyone :hello: so i am back from my holiday and last monday i paid mum the final installment so i would have been debt free! :T:money: unfortunately i had booked said holiday and my next holiday and got a bit carried away with the cc (hello shiny new ipad :whistle:) so i am most definately not debt free :( o well i…
Direct route to debtfree......
Morning All At long last i have taken the plunge and set my own diary up instead of just lurking - this site is so addictive. I am doing this dairy so that i can get control on our spending and also i am going away on SC holiday in 26 days (goodness that's near - just over 3 weeks sounds better) and i have nothing saved,…
In pursuit of Health, Wealth and Happiness
:hello: Hello, welcome to my diary! I’m a long-time MSE-er but tend to spend most time [STRIKE]gossiping[/STRIKE] discussing money matters on other people’s threads. This is my first go at keeping a long-term diary on here so wish me luck. A bit about me. I’m female, 30, single and live at home with my Dad, working in a…
My motivation!
Hiya everyone My name is stitch2012 named after the amount of stitch toys my oldest daughter has :) I have been an avid reader of this forum for years but find if I don't have anything or some one to answer to I tend to fall off the money saving wagon. Im going to use this diary as a cathartic stress relief, the stitch…
Best outcome ,,CCCS or Christians Against Poverty?
Hi people I apologise if there is already information re this on the site but I wondered whether people would recommend CAP or CCCS to help with their financial problems. I need help fast Cheers j
my first week.
i want to say that since joining this site, im really hooked,reading alot of diarys and alot of money making idea's has given me a new lease of life. For the last couple of years i have been paying back my debts, i hid for awhile as i actually thought they would go away! stupid me! now its time to face facts and get rid of…
40 months until debt free... musings and meanderings along the way.
Hi! My name is Laura and this is my 6th diary and attempt at getting debt free. The difference is: this time I'm not going it alone. Just over 2 weeks ago I had my latest (and hopefully last) LBM. I had come to the realisation that I could no longer afford even my minimum payments and I just couldn't do it alone any more.…
Clearing debts towards house/new baby!
Hey everyone! I am not severly in debt, but I am still in debt! :( I have a loan at £9,00 but pay monthly through my bank ( I have already paid £5,000 off). I also have a cc which is about £4,800. This is the one that I want to pay off! I pay the minimun whch will take years to pay and frankly having the extra money will…
Luke's debt free dream
Hi everyone, first of all I'd like to say this is a great forum, came across it a few weeks ago and I'm hooked into getting debt free. I'm currently in a sticky situation with money and what to save for/pay off first. So I'm currently on the housing list with my partner and her 2 boys and have been told we could be housed…
BB's back........and the debt is higher than ever!! :-0
Some of you may remember me....I've been around the DFW board for a while, but haven't posted on my other diary for some time......things have got a little out of hand (mostly due to our recently holiday) and so now I'm back...to try & get back in control and keep track of where I'm at! We had our first foreign holiday…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt free diaries

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