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Advice Please
I currently am £23965.92 in debt: Egg £6213.15 (15.9 APR) Cahoot £9935.34 (11.5) Overdraft £3785.34 (17.1) Business overdraft £4032.09 (17.1) I have no idea how I can start to reduce these debts as I currently pay £3467.2355 a year in interest even before I start to make any difference on the actual payments. I am not very…
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What happens if your debts have gone to court?
If you haven't attended are you up the creek without a paddle? Are CCCS/Payplan etc unable/not willing to help you if this has happened? I have a friend who this has happened to, I suspect he never attended court, and he reckons that CCCS etc will notbe able to help him because of thi - does anyone know if this is correct?…
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Help Please
I currently am £23965.92 in debt: Egg £6213.15 (15.9 APR) Cahoot £9935.34 (11.5) Overdraft £3785.34 (17.1) Business overdraft £4032.09 (17.1) I have no idea how I can start to reduce these debts as I currently pay £3467.2355 a year in interest even before I start to make any difference on the actual payments. I am not very…
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what part time jobs do people have
Hi What kind of part time jobs do you people have. Mine are 1) Delivering Takeaways 2) Delivering Phone Books (Rare) 1 pays £340 a month plus tips 2 is once every 6 months but pays 500+ (I do lots of rounds)
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Direct debit vs. monthly set-aside?
Hi, newbie here :wave: This is such a great site! I've been lurking for a few weeks now, since I heard Martin on the Jeremy Vine show, and now that I'm facing a big financial challenge of my own (and I do see it as a challenge; one to be faced and slapped around a bit until I beat it!) I'm posting the question that's…
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How much DISPOSABLE income do you have each month?
It strikes me that we all have different levels of income and necessary expenditure each month so although some people may earn lots of money they may be struggling harder than the MSE folk who have a lower income but less to pay out each month. I'll start - After I've paid my monthly direct debits for my bills I have £200…
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Debt Help Agency questions
I have a few questions about PayPlan and CCCS. My wife and I are currently sorting our finances, switching credit cards, bank accounts, insurances, phone suppliers etc. Using the MSE budget spreadsheet we are currently around £160 per month short of covering our expenses, although we hope to shave some more off this after…
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Does anyone know about non status bank accounts????
Hi I am having no luck opening a business bank account we are about to enter into an IVA see our thread below. http://forums.moneysavingexpert.com/showthread.html?t=162940&page=1&pp=10 A new business account is key to us continuing to trade,I can find lots of companies that say they can help you get a poor credit history…
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Wake Up Day
just reading some of these threads and realise i am not al;one wish i could be a spend thrift need some help or i know i will start spending again have just shredded my 3 credit cards so i know i will be treading the right path just seem to get somwhere and then i am right back to the begining
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Bugdet Planners - can I see??
Hi everyone :wave: Hubby is always on here so thought I'd had a potter around today and try and get out finances in some kind of order. We luckily dont have a huge amount of debt just a small car loan and loan from DFS for our suite. I was wanting to do some kind of budget planner so that I can see where every penny is…
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IVA's and settleling early?
Afternoon all, just after some advice really. Our Landlady has just informed us that our rent will be increased in 3 months by 10%, which is an extra £75 a month and it's kind of made us re think whether to stay here or not. What were thinking of doing is moving back to his mum's to pay off debts and save for mortgage.…
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Update on my son at Uni thread!!
Hi I just wanted to say that I am sooo glad that I took everyones advice and didnt give my son the £20 he "needed" for food shopping. He has been working this weekend in his new job at the local Golf Club just up the road from his digs at Uni.He was meant to work each evening til 11 but got the chance to stop on til 2am…
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Goals for w/c 12th March 2006?
Hi everyone, It's that time again! How did you all do with your goals from last week and what are you planning to achieve this week? (Last week's thread link:- http://forums.moneysavingexpert.com/showthread.html?p=1697913#post1697913) My goals for last week were:- *Have at least 4 no spend days - planning to spend my…
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What have you spent today 12/3/06
I'm hoping for a no spend today :A
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Debts & shopping - feeling miserable!!
Went into town yesterday and saw a beautiful pair of boots - just like the ones I have been wanting for ages. They were reduced to £60.00. Normally I would have bought them without a thought but I decided not to - couldn't justify the expense when I have debts of about £13k. Can't stop thinking about them and at the same…
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Advise on credit card debts?
Hi fellow moneysavers! I just want to seek advise and opinion regarding credit card debts. I am a rate tart and has been doing this for about 3 years. I have debts on barclays CC= £ 3700 and Amazon= £ 3200 both on 0%. In fact in reality I don't really have debts as I have the money put away on high interest savings account…
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(deep breath) here goes.
OK i have been a subscriber to Martins email, and have occasionally glanced at these boards and then ran away again! Now i'm going to take the plunge and admit to my debts to see if it helps me. Basically me and my partner have a 100k mortgage together and a 3 year old daughter!! Due to his redundancy and difficulty…
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Payplan Headache!!
We have been with Payplan a year now. Initially we thought they were OK. We have a charging order pending which my husband and I are dealing with without Payplan's advice/input. They never return telephone calls/emails/letters. When we first got a CCJ registered against us Payplan were not the least bit interested when we…
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OK...deep breath...and here we go
Yup...it's happened. *Bing* on comes the lightbulb and here we go. EGG Card 0% ending.... 4100 Graduate Loan HSBC 6.9%....8500 Car loan 8.4%....8000 SIGH....I can see what people mean about having to actually write it all down! Just makes you think...what was I doing?! Ah well, that's in the past and now we move forward.…
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Finally ..paid off my NEXT account
I've finally done it, paid off the Next account with all that high interest. It has been one of those debts that has irritated me like mad and now its gone :j :rotfl: :j :rotfl: :j I have been able to do it because I worked an extra shift last night earning me an extra £130 that has made up the shortfall I needed to pay it…
