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Determined to be debt free in five years!
Hi everyone I'm guessing the title of this thread and my user name says it all. After nearly 10 yrs of fighting debt I'm now determined that we will be debt free within 5 yrs from now. Over the past 10 yrs we have had taken out a huge secured consolidation loan (massive mistake) and been in a DMP with Payplan. We are now…
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Time To Start Being Sensible
Hi Everyone, I've been a lurker on this board for YEARS, but never really posted.... So this is the we're nearly debt free and need to start being sensible diary....... Money seems to be such a huge focus in my life at the moment and I think it will help to write it all down to get it out of my mind... I'm 33 and married…
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A few questions about DCAs and CCJs....
New to this forum so please bear with me – I have several questions, which I think I already know the answer to, but am looking for further clarification please, if any of you clever people could help me! Quick background: house repossessed in 2011, ex spouse and I shared mortgage and several credit cards. He has since…
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No more borrowing from Peter to pay Paul.
My husband and I today decided that we are going to tackle a new debt head on. Earlier this year we had an unexpected expense which we had to pay with a credit builder credit card. We have had the card for over a year and the interest rate has reduced. The interest rate is 34.9%. And our debt is £4650. More than we both…
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Almost half way there....
Hey all, decided to do this to keep me on track. Personal Debt 95/2000 Capital1 - 850/1400 BarclayC - 400/1250 1250/2650 Overdraft - 2000/2100 nPower - 1080/1150 3030/3250 Total == 4425/7900 Moved in with my gf in 2011 with £8k in savings, left in June 2016 minus the gf and £8k in debt. Fell in to the trap of paying for…
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Not in debt but near enough - teetering on the edge of red
Hi everyone, I have been lurking in the forum for a while before deciding to start a diary of my own. I'm not in 'debt', per se, but I do have a pretty poor handle on money which I would like to get under control now that I have moved into my new house this past week so have a mortgage and household bills for the first…
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Debt Free Determined!!!
Hi everyone :wave: Starting a diary to encourage myself to be realistic with where I am financially, stop burying my head in the sand and address all the things I waste all of my money on... :mad: My current debts are as follows; Credit Card 1 - £3491.16 Credit Card 2 - £3981.71 Catalogue - £708.27 Overdraft - £2350 Car…
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Compulsive borrower to compulsive saver?
Hello MSE I've been a visitor to this website for many years, but I've never signed up or posted. I'm hoping to turn my financial mess of a life around and I'm hoping this diary will help :) I'm in my mid 20's, live with my partner is her house (she bought it because I had no money :( ) and I work in a decent job for about…
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And again.....
So been on and off this forum for some time, don't think we ever really had our LBM. But hoping that the light is shinning bring and I continue towards it as ut gets brighter. We accumulate debt through getting married and buying a house. Now I want to make some changes to the house and make it mine, but can't afford to do…
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About to settle £2.5k worth of debts
Hi all, I've been on a DMP with a company called DFH, since 2013, initial debt being £5.5k. Me and partner wanted to get a mortgage but the DMP would mean I would pay massive interest rates. I have now decided with help of a family member to settle my debts of £2.5k, can anyone tell me how much it helps to be debt free…
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Cherry takes the reins
Hi everyone. I'm hoping I can legitimately post a diary here as I'm in the blessed position at the moment of my only actual debt being my mortgage, but I've had a huge change in my circumstances recently and how I manage it will have a big impact on our finances. I need to talk things through, if only with myself, and…
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Money Rollercoaster - maximum headroom 6'2"
I've had a tricky time with credit over the past decade or so. In the early noughties, my credit card balances started creeping up. I got a loan in 2005 to 'help' but actually, 6 years later, I was in exactly the same spot, another pile of CC debt and another (bigger) loan to try and square things up. I bought things I…
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Advice with old NatWest debt
Hi, I have seen a letter that is addressed to my partner and it looks like he has an old loan with NatWest for about £2000 that he hasn't paid off. He previously got letters form wescott chasing this which I think he has been ignoring and yesterday he got a new letter from NatWest and also Apex Credit Management. I feel…
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Phone bill issues
Hi, i'm new to the forums and wasn't sure where to put this, i got a letter this morning stating that i owe £878 to Three mobile, now the last time i checked i owed £200 but i moved house and in the mean time completely forgot about it, i'm sure they can't just slap on almost 700 in interest can they? Any help would be…
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SH's attempt to make it to September with as little debt as possible!
Hi everyone! I'm a final year university student who will be starting a graduate job in September. My university *crazily* does not let us undertake paid employment alongside our degree. Nevertheless, I have an income of £212 from a rental property each month. The issue is that I only have that income and my student loan…
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Back again!
I was last here in 2009 as a single student in a modest amount of debt. 6 years of house sharing and 4 promotions later, I'm back. I now live with my OH, and I'm sad to say that I'm in even more debt than before :eek: Myself and OH combined our loan and credit card debt, so we have around £19k outstanding on a personal…
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Experian credit report
Hi.. I was discharged from my trust deed in December 2016, but noticed on my credit experian report it says I was discharged Oct 2015. I was still paying my trust deed up to Oct 2016? Has anyone noticed this? Many Thanks
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Wedding and honeymoon debt
I'm hoping to start a diary after lurking for some time, I've been pretty embarrassed about our mess so not wanted to post but having seen how much it helps others I'm giving it a go. I know exactly how we got into this mess- with a big wedding and big honeymoon with the kids back in 2015. Since then we haven't worried…
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Preparing for adult life ..
Hello, I am a trainee lawyer approaching the end of my training. As of September I will be fully qualified and a (legitimate) adult :p :o So at the turn of the year it got me thinking about trying to get my debts in order. I have student debts which come out of my wage monthly, but I also had around £2,000 worth of…
