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Debt-free wannabe

Archives for March 2006

sometimes feels like i am wishing my life away BUT...
i KNOW its going to be worth it! at the moment i am working all the hours possible to get rid of this debt.it may not be much compared to others but for me this is a huge weight around my neck. i find myself constantly wishing fo the next payday so i can pay the next bit off, so feels like i am wishing my life away!…
On-line Snowball Calculator
Hello! Sorry I haven't been around much recently. I've been very busy with both work and my little boy (18 months now). I have however, been working a little on the https://www.whatsthecost.com website over the last few months. I've just (tonight) set live a version which allows people to save their snowballs, and log back…
john_kent got an update?
Hi john, was just wandering how you were doing in your quest to live without credit? ;) your updates always encourage me!
Debit Cards - Ex Bankrupt
We need someones advise... please!? My Wife and I have been discharged from out bankruptcy now for 14+ months. We have banked with the Clydesdale for around 4 years now, and all through our tials & tribulations, they have been great. When we cleared Bankruptcy, we upgraded our account and rec'd a Cheque Book. We have even…
Ways not to spend our hard earned cash?
Hi all, I was having a conversation with my dad earlier and it made me think. He was saying that someone he knows has dental treatment free as they offer their services to the students working at the dental school. Apparently it is quite difficult to get on these lists and they have been doing this for many years.…
Advice please
Am due to get married in 5 months....then this happened. After finding a hefty credit card statement belonging to H2B Wednesday, he dropped a bombshell. Basically, when we started going out 7 years ago, he told me that he had planned to marry a few years before, but had found his fiance in bed with someone else and called…
Getting started!
Just wanted to say thanks to all that helped me with my SOA earlier this month... Having budgeted strictly for the last few weeks I was able to plough an extra £200 into my debts this month so I feel like I'm getting started! It's going to take a while but I know you're all here to help me! :j RR
Reality check...
As some of you will know I've been a bit stressed lately for falling off the money saving wagon and not having put enough away in my wedding fund account. I had a reality check this week when I discovered that someone I used to work with has been recently diagnosed with cancer. She is 25 (same age as me), the cancer is in…
capital one/equidebt ltd
Hi all just had yet another call from those wonderfull people at Equidebt ref my old Capital one account that they purchased on the 14th of march I have now had several of there standard letters you know the type "dont ignore""etc and i dont have phoned them on recipt straight away pointed out that i went bankrupt on the…
A Bit Of Good News For A Change!!
The boss has just informed me that I will be getting a 4.3% payrise:j , in the current climate of the Chancellor pledging to deliver an average of 2.25 per cent across the public sector (the headline he handed to me along with his announcement:rolleyes: ) I was really :j . Obviously it will just about cover the increases…
A pound of flesh?
Hi, I have recently read a couple of papers about the so-called home credit industry. (doorstep lenders to you and I). I was stunned to see reports of APR's well north of 100% charged to people with nowhere else to turn for a desperately-needed loan. The authors of these papers suggested the solution was for more…
Usually getting excited now about going out...instead...
Hello everyone Sorry just going to have a moan, feeling really low today and fed up with not being able to go out when I want and where I want... Once again another wk'end at home, not going out, everyone asking what I am up to this wk'end and my response being "staying in"... Also everyone seems to do things with there OH…
Thought I was getting straight, now its all going wrong.
i need some help, although my debt isn't as massive as some on here, and i feel a bit soft for posting, i'm struggling to get by on my income, and am piling a bit of debt up on my cc, and have used savings i had to pay off quite a chunk of what was on the card, but its adding up again. five or so years ago, i was in debt…
New (financial!) year's resolutions
Well, the new financial year starts next week so what resolutions are you going to make? Mine are: 1. Keep my spending diary up to date 2. Not use the credit card at all 3. Save for things rather than "buy now pay later" 4. Say no to things if I can't afford them 5. Open a separate account for "me money" so that I know how…
Debt Management Plan & Individual Voluntary Arrangements
Hi Everyone this is my first post, Please can someone explain the difference between a DMP and an IVA? thank you DAIG
Private Debt Counselling - WHY???
Hi, I am always amazed that people use private debt counselling firms, especially when one hears the horrific charges so many of them levy on people already in financial distress! Why don't people just visit the CAB or other government initiatives in this area that are free of charge???
Taking the Plunge - desperatelyseekingmoney's diary
Hi Guys I have been visiting here for quite some time and have finally plucked up the courage to take the plunge. I have spent all of this month trying to cut back where I can and finding ways to increase my earnings to try and clear this debt as soon as possible. I have managed to get some extra overtime at work and also…
Been paid refund by mistake, and spent it!
Hi, In January I received a cheque from my pension company for 242 pounds. Thinking it was mine I cashed the cheque and used it pay for the MOT on my car and put the rest towards the insurance. The begining of this month I received a letter saying it was paid to me in error and should have been paid to my previous company,…
What's the 'thing' you've found the hardest to give up/change?
Since I realised I needed to change my financial outlook completely, I/we have made a lot of changes. From small things, like saving change and taking lunch into work every day to bigger things like limiting the times we go out and me not having any beauty treatments :cry: . There have been many other changes and some hurt…
Easter School Hols...whats the cost?
Oh! dear here we go again the easter school holidays are here...just how much is this going to cost? Thought I would ask you parents out there how much you budget for Easter hols, and what brilliant ideas you have for cutting the costs ? For me I have two sporty lads and cost are already spiralling :mad: but as I work from…

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Debt-free wannabe

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