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Debt...
I have fluid credit card debt - £3,398.55. owe sister debt - £3,581. owe paypal credit - £356.46. credit card should get cleared after 12-24 months. sister debt should get cleared after 14-26 months. paypal credit should get cleared after 10-18 months. I receive ESA and PIP. I earn amazon vouchers, paypal and…
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ADVICE NEEDED ON A DEBT NOT PAID FOR 3 YEARS
I would like some advice on a debt (old credit card debt that defaulted in 2011) that was passed onto a collection agency a few years ago. I have not made a payment for 3 years after having a letter from them to say that the debt could not be enforced, therefore I was hoping after 6 years (3 more to go) it would be statue…
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Getting my life together before hitting the 'big' 3 0
I've always known how to budget and live within my means, which makes me even sillier for not getting it done! In 1 year and 8 months I'll be turning 30, and I want to enter that chapter of my life being well on my way to a frugal, financially independent future. The biggest flaw in this plan is that I have a chronic…
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job offer
I have been trying to get a job with a certain company for over two years....Its hard to get into this company. In the mean time, my uncle had a friend who is a supervisor of another good company and it is my second choice. Well, I got an offer at the job my uncle's friend works at.....The job description says temporary,…
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Debt free by 50 (Dec 2023), 1 day at a time
Hi MSE world, I’ve been here a long time and have been in and out of debt far too many times but I’m back for support to clear approx £14,500 by Dec 2023. It’s a lot of debt but at least I know where the money went and why I land myself in debt - no such thing as delayed gratification for me :# , which I really need to get…
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Scared & unsure
Hello, So I've got to a point where I just cannot continue the way I am but I'm really unsure about what my next step should be. I Currently get paid £1400 per month (I was promised a rise in Sept, back in March but haven't heard anything from by boss about that since) I have the following debts: Natwest cc £3690 Natwest…
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Desperate for change
Hi all, I am posting this in the hope for a little encouragement. I don't even feel that I can go into all the detail of how much debt I am in but I know it's about 60K+. I have a good job earning really good money. A house with a decent amount of equity and a good mortgage deal. But I am overdue on my credit cards, I have…
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Half a world away
This is my second attempt at keeping a DFW diary. The first fell by the wayside quickly. I've had several LBMs over the years and recently had another. Not illuminating the state of my finances as I've been keeping a relatively steady watch on them. However, when I checked back on this forum at my first diary attempt I saw…
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DCAs, Bailiffs and HCEO
Can anyone tell me the differences between all of the above? I know a DCA only has power if we give it to them and are hired directly by clients. Are Bailifiss county court collecting CCJs only? Can they collect liability orders (which I believe are not CCJs) What does a High court enforcer do?
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Time to quit stealing from my future self!
Hi all, First time here. I have read some diaries & posts over the years but never signed up until today. My reason for signing up. Well, I have had what you all call 'my lightbulb moment'. I've finally realised that with all the debt I'm repaying, I am stealing from my future self because I am going to be paying interest…
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Moving on with things
I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…
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In panic mode
Hi, not sure where to start so trying the diary option but any help will be greatly appreciated. I’m claiming UC and housing benefit. after deductions £689 deductions: tax credit recovery £10 council tax arrears £16.75 bedroom tax £60 spending £657.60 rent £442.86 council tax £9.00 dual fuel £20 water 37.90 internet &…
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How quick can I clear my debt
Hi all long time lurker first time poster on this forum. Hoping it helps me keep focused and looking forward to any advice that helps me on the way. Currently on a DMP with PayPlan but really want to take the steps now to get it cleared as soon as possible. I was paying 125 a month but have lowered this to just over 20…
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Rescuing myself from drowning even deeper -
I've only just found the Forum and so wish I had done sooner, Overview - Married couple, moved into our 'forever' home in Feb 2020, Lockdown began March 2020, Baby 2 born June 2020, and heads in the sand from then until around March 2022. So turns out we had been spending and spending and spending, without stopping to…
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Changing my life, goals and finances!
Just under a year ago I started a diary on this forum: https://forums.moneysavingexpert.com/discussion/6296292/time-to-clear-the-remnants-of-my-old-life/p1 The intention was to become debt neutral on my substantial interest free historical debts before I put in offers for F&F settlements. However, my priorities have…
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Anyone else thinking they’ll have to remortgage just to live ??
Is anyone else thinking they’ll need to remortgage to cover the increasing bills?? I’m worried I won’t be able to sustain my family if everything keeps going up. We just about make ends meet as it is. I only have 3 years left on my mortgage but can barley afford all the general cost of living bills. I have been a nurse for…
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Together
Doing this together as a family. We were finally debt free a few months ago. We just had. Small morgage left. It felt really good our past debt had been from renovating our old home. We went without for so long to get it paid off. Then........ We bought an electric car £21000 loan. Now we are back in the land of worrying…
