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rotten egg
I have been sorting out my finances since my last post, I’ve been reading the posts here daily, but never seem to be able to post a reply before others have :o . Here’s my update I have reduced my debts and made my last payment on my loan today :j . I was feeling good about my finances as I thought they were finally…
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money in my account
just had a check on my back account and some one has put in 3 large sums of money would like advise on what to do Russ
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Mean Bailiff - Help?
Hi All, I’m in a bit of an awkward situation, and I wondered if anyone had any advice? I recently had to move out of my flat, after being made redundant, and have moved in with my Nan for the time being. When I left the flat, I had about £400 council tax outstanding, which managed to turn in to a debt with a collections…
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Spare weekly money
I get paid weekly and normally have a bit of spare money each week. This money generally stays in my current account and often gets spent because it is there! I have a capital one mastercard which is at about £1600. This is my only interest bearing debt. For obvious reasons I want to clear that debt. My credit rating is…
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Selling stuff to clear debt
I've made a decision today that as I'm not having any joy with sorting out extra work to bring in more dough to pay off my debt sooner, I'm going to have to sell some more of my bits and bobs. I've already sold a few things and up and until today, thought I had nothing else I could put on ebay. But I've decided that there…
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Bailiffs at 10 Downing Street?
I wonder if Mr B is poking around DFW as a lurker - the forclosure of those loans must be a worry on the poor man. :rolleyes: Any ideas what his SOA would look like? "Hello fellow DFWs. Here is my SOA: Income Main salary: £6,131 OH salary: She won't tell me, not exactly anyway. Monthly outgoings Rent: negligable Mortgage:…
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SOA - Can I do better?
Hi everyone I haven't posted an SOA before now, as I think I've got things under control, however, Ms. London's post about others spotting things has inspired me to do this and I'm hoping someone will shout if I can do something better than at present! Here goes... Income nett £2261 + Child Ben £68 + Child maint £280 + Tax…
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Get yourself a pig!
Just went over to the Mortgage free Wannabe site, they've got a great sticky on getting a mortgage free wannabe pig - would be just as applicable to debt free wannabes - take a look. Sorry don't know how to do a link & also if anyone else has mentioned it here and I've missed it.
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My SOA
Hello After being a lurker on the board for a while I thought id post my Soa Were a 2 adult one baby family. We have an income of £1604 per month before tax inc child benefit. This can alter but thats the minimum that we have coming in. I have a Capital one CC with £2500 on it at 6.9%. I am just about to clear off my one…
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Hi All
I am new to this site - I looked at it for the first time today and it's inspired mt to actually phone up various companies and make arrangements to start paying stuff off - instead of just ignoring letters and hope they go away! I have a bad credit history - and I don't want it forever - so I'm hoping today will be the…
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In a slump
OMG where on earth did this come from. This morning I felt great and good take on the world. Had three pound in my purse and was determined not to spend it at lunchtime. But all I could smell was the bakers and fish and chips - and now I feel really down (I didn't spend by the way) My cheese salad sandwich from home was…
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quick credit file question
Hi all, ive managed to meet all my monthly payments for the last six months so my credit file should be starting to look abit better than it did. Ive just had a call from Aqua to say ive gone £10 over my credit limit. i didnt take into acccount the interest this month and when its been added ive gone over. first time in 6…
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Where Do I Begin?
Hi I would like to be debt-free! Here is my SOA (figures approx) Income £940.00 salary (take home) £80 betterware (average) total - £1020.00 Outgoings (live with other half, not contributing to mortgage at the mo) £70.00 (bills) 50.00 (petrol) 30.00 (Insurance and tax) 28.00 (Contact lenses (includes 8 for Cl checks,eye…
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credit file problems
I'm trying to sort out my credit file and getting very confused! Firstly I'm trying to reduce the cost of my debt but have been refused by 2 credit cards (halifax about a year ago and capital 1 recently). When I checked out my files I realised that equifax had NO info on me at all! I got them to re-check the electoral roll…
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Anybody in the same situation?
Hello. I was wondering how many people are in a similar situation to me. My real problem is that I have an irregular income with high costs. Here is the situation: The most I owed was about £40,000, which was last summer. This is now down to about £28,000 as I have been putting as much in as I can into the debt because my…
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Posted for Lovestoshop! SOA
It's not me! This is Lovestoshop!'s SOA, posted on another thread but will get more replies on its own. Here is my SOA, I am shocked as I haven't done this before! Monthly Incomings: My salary - £1,392 Partners salary - £1,050 Total - £2,442 Monthly Outgoings: Mortgage/Rent - £655 Council Tax - £107 Gas - £29 Electric -…
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MBNA aargh!
Just really want to have a sound off about MBNA.Eaten enough chocolate to be climbing the walls,so now time to rant. Over the last couple of days studied all statements of debts. MBNA,although one of the lowest debts we have,are really dragging their heels.Payplan think our creditors are all as fine as they can be with the…
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Debt Free? How do I work that out?
HI everyone, I've just written one plea for help as a newbie, but forgot to ask How is everyone arriving at what is their debt free day, is there a formula of sorts somewhere, (this is a silly question isn't it?)
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Help!!
I've got about £15,000 of debt and have visited this site enough to have got a kick up the backside. I'm so impressed with the help and support everyone offers, so here goes, I need advice. I've started to increase my payments to credit cards and they are all interest free at the moment or life of balance cheap rate, so…
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the cat that got the cream
I feel like the cat that got the cream today. My mobile phone bills used to be well over £100 a month - if they came in at less I considered it a success. I got sick of it, so ditched Orange (great move) and changed to O2. I got a new phone. Masses of free texts(never had them before) and loads more free minutes (think…
