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Best way to clear debt help!
I was made redundant a three years ago, I have only managed to secure a permanent job this year. I have managed to rake up £24000 worth of debt quite scary how it can spiral out of control! I have now just sold my flat so i can move home and clear my debt as it was the best way. i am trying to think of the best way to…
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New mind, new me, better bank balance please
Hi, I'm Becka, Im nearly 22 and a University student with a part time job bringing in just over £200 a month. I've been here for ages, and also it feels like in debt for just as long! I'm a recovering gambling addict who is almost at 1 year since my last bet. (november 11th!). My debt and life spiraled out of control last…
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When the going gets tough don't make like an ostrich.
Hi I am a 56 year old divorced mother of 3 adult kids. I have been a single parent for most of their upbringing. I am currently unemployed and really, really struggling. I don't have a huge amount of debt and some of it is being dealt with by CCCS, although there is a 4 figure sum owed to HMRC which I am trying to ignore…
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The rocky road to nice things!
I started writing this thread and then deleted the whole lot as I had started to ramble a bit. So......deep breath.......cup of tea........and firstly Our debts Which currently stand at: Car finance 4200.00 Kandco 1300.00 £1400.00 Shoppacheck 280.00 Shoppacheck (OH) 280.00 Lowell 800.00 Rent arrears 300.00 School arrears…
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Not an ostrich anymore.
So I have covered a bit of my story in the DFW forum butthought it best to start this dairy today. I have a problem seeing money as anything other than mineand flit it away like it was post its. I have been known to shove £550 in notesin slots machines just because I was bored or stressed. Leading me to be nearly£20k in…
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making a debt free life for Poo!!!
Hi All, As a bit of background, I am a single mum to an amzing 4 yr old with debts totalling almost £8000. Believe it or not but up until 2007 I was relatively debt free with minor bits here and there but nothing substantial - then I got fired for being pregnant. I went from earning £23K to NMW - everything that I couldn't…
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Financial Peace
I'd tried over the years to be debt free. But with one thing after another, I'm not. I have issues all over the place. Now and I mean now, I'm going to pay off this debt and lose some weight along the way. I owe a ton of money to family, tax and companies. Also I have a huge mortgage which needs to be paid off. Interest…
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Mental Health Nurse in need of a cure for spending!!
Hi there, It's taken a while of lurking and reading on this site to finally pluck up the courage to write this. Let me start with our situation: I met my boyfriend nearly 8 years ago and we both had a small amount of debt each i.e about £1000 each from store cards, phone bills etc. We were both at uni and started renting a…
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Time limit on collecting debts?
I was always under the impression that a company will write-off debts after 5 years...is this still the case? I was contacted by a debt collecting company this time last year on a debt that is older than 5 years. Can someone please advise? Thanks
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All over the place and really need an action plan!
Hellllllooooooo, I thought I'd post myself a little diary in the hope it will kick me into gear and get me somewhere in the right direction!!!! A little about me, I'm in my early thirties, I have a one year old and another on the way (still really early days though so fingers crossed all will be ok). I'm a stay at home mum…
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This time I will do it....
Two years ago I posted about getting control of my debts...back then I only had a £1500 overdraft to worry about. Now I still have it in addition to £3000 on credit card. I've told my husband, who was hurt and angry that I've run up this debt. However now I've told him, I've got no choice but to get rid of it. So, I've…
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Deleted item
My Finances area mess. £15k in debt. Message deleted
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A Lil bit a day makes the debt go away
Intro Hi everyone, thought I may aswell make a diary here, I've decided that me resorting to using my small overdraft each month means my outgoing is more than I can afford and I need to sort it I'm stubborn as a donkey times but I've always been smart with finances and know that I need to sort them out now whilst I get…
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[Insert Title Here]
It's been a while since I started really talking about my finances and really addressing where my issues are. Guess this should start with a little about me! I'm 26, single, live with two other friends in a house share and work full time in a school. I also have a part time job as a carer on a Saturday for a few hours. My…
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I'm ReadytoRoll and I want to start
I went overboard in posting to Gien's thread, so I thought I'd start one of my own to get started. I'm ready to focus on getting rid of a credit card debt, to stash away some cash and to get my Christmas shopping done using as many freebies and inexpensive items as I can find between now and the holiday. Like Gien said,…
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Here we go then - My Diary/Story
Had the lightbulb moment around 6 weeks ago. I had run up debt on a credit card of around £11k, mainly down to Mrs Wab being made redundant and waiting an age to get registered as a Childminder. Mrs Wab didn't know about the credit card debt and whilst sorting through some papers came across a statement and was a tad…
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Time for change...
So here I am... I've decided that it's time to get sorted with my finances and finally get back in control. I don't owe masses of money but I know having a diary on here will help me focus getting things paid off and hopefully start saving with a vengence! I'm a full time student and I only work 6 hours a week but do as…
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cccs
:question: i have heard that the cccs work for the banks and are not as sympathetic to our situation as some other debt counceling services
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A Fresh Start
Hello all, I am new, and I am also a bit of an interloper (Canadian). I hope that that is okay. The amount of information, advice and support on this forum is incredible, and I really think that I could benefit from it if you'll have me. :) So a bit of background for me: Our current total household debt load is $62,424.31.…
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Saving, Spending (a little) and DEBTBUSTING!
I have been an MSEer for quite a while under a different User name but have decided to come back new and improved. I still have debt but nowhere near as much as I had in August 2008 when I had my LBM. I have decided to learn to live a little while saving and DEBTBUSTING so this will be my diary of musings. Today I finally…
