Debt-free wannabe

Archives for April 2006

My Friend - The Final Chapter
Hi all, been a while since I've posted, but hopefully some of you remember me as the person having problems with their friend. Well sadly (but for the best) I have taken the advice of MSE-ers and dropped him as a friend. This is more of a recap on the story and a warning that burying your head in the sand about debt can…
newbie
hi all well i love this forum big time !;) at the moment i am in debt but it is not my debt i borrowed for a so called friend 2,000 3 years ago if id of known i could get credit card and stooz id of saved loads and itd been paid off id even of earnt myself money ;) :D say 800 !! put that in ISA even more but this has gone…
My I/E
Income: Working Tax Credit - I think it's currently £56.10 every 4 weeks (Due for annual renewal) Wages - Not sure due to overtime, about £600-£700 4 weekly (£195 before tax per week I think was before OT) & then any OT Outgoings: Rent - £154.08 every 4 weeks (£38.52 per week) Gas - On a prepayment meter, was putting…
too scared to tell hubby about debts
Hi I have more money going out than I have coming in - about £25,000 and am now starting to lose sleep, I am too scared to tell my hubby about this as he would go totally mad. How can I sort myseld out without him finding out, I have a full time job with my own bank account. PLEASE HELP
Hi I am not new but I need to start again
Hi there I am not new and I have to start again so I will do it properly. I owe less than £60K but not by much. My SOA Income OH £1500 Me £350 variable part time job paying emergency tax YUK Child Benefit £100 ( roughly can never remember ) WFTX £37.00 Total £1987 (wow thats quite a lot really) How did we get in the debt…
My SOA
I'll just do it..... ugh! Income Husband 2000 Me* 1634 Child benefit 68 Tax credit 41 DD1 25 car ins Total 3768 * (new job soon for me, probably by August – between 5-10K per year extra) Outgoings 20,000 loan 60 months APR 7.4% Dec 2005 397.00 6,400 loan 60 months APR 10.9% Mar 2006 137.21 Mum loan interest free 200.00…
Reasonable price?
I just wanted to see if people felt that £44 per month on travel expenses and £40 a month on meals at work seemed reasonable? I can't really see how I can get that any lower as its allowing me to spend £2 a day for lunch which is normally something from Gregg's and a snicker as a snack and thats all.
What Have You Done Today/Yesterday DFW Stylee? (Sat & Sun)
Didn't see a thread for this yesterday or today - forgive me if I have duplicated. Yesterday I drove to a birthday meal to save on drinks & taxi fare I made my friend a birthday present I did some spending (that I had to do) via QuidCo & did some searches to make a few pennies oh and signed up with Snapfish to get some…
What Have You Spent Today? Sunday 30th April
Where are the spendy/DFW Stylee type threads? :eek: These are my daily doses of inspiration (and of course nosiness :D ) We can't let them slip! ;) OK today I haven't spent anything - but the weekly shop is to come. Yesterday I spent £20 on a meal & a drink at friend's 40th birthday bash. I drove to save funds and glad I…
Nerd stress
Hey fellow DFWs, I'm feeling very stressed at the moment and think a rant would help. I'll try to make it coherent...;) Firstly, I got paid on Thursday - usually a cause for celebration but this month I got paid £60 less than usual. I don't understand why because I was actually due inflation pay rise this month (but due to…
Rebuilding Credit - Best steps
Hello all! I'm a n00b, but have been reading for many months now. I'm currently in debt to Capital One, and HSBC, which I am paying off slowly but surely. My question is this.. Is it better to just pay off my debts, and avoid forms of credit cards etc for the forseeable future, to improve my credit rating. Or try and apply…
% of income
thankfully not in debt (due to reading this board for a long time!!!). Quick question, what % of my income should be put away for saving per month ? out 0f 3000, I think 1000 (the rest going on mortgage, car, holiday, food, utilities etc etc) ?? thanks
Should friend go bankrupt?
Hi just need some advice, a desparate friend in tears and ill due to £50k debts, nothing to show for it as all interest, single & lives at parents house.I think bankrupcy only option but i have no idea how it all works? Will they take his parents house etc?(his parents currently do not know any of this) He has been…
Nearly agreed with all creditors
hi All Well , three months after starting "the process" I am now reaching agreement with all but one creditor. Its been tough , but I am nealry there. Most intrest frozen and no more charges on Credit Cards. i have learnt that I must not spend what I have not got. I have learnt to think before all purchases. I have learnt…
Debt Management Plans
Can you use one of these services if you are on benefits? I've looked on the cccs website and it doesn't make it very clear. My finances have got a bit out of control since my husband left just over 2 years ago and I have about £7000 worth of debt (a egg loan, credit cards and store cards). I am just about making ends meet…
Goals for this week : 30-4-06
Morning all. Last weeks thread http://forums.moneysavingexpert.com/showthread.html?t=187537&highlight=goals+for+this+week Last weeks Goals 1.Make final payment to Barclay Loan Not made yet as Barclays cancelled the S/O!! 2. Transfer money from Paypal account to clear next account Complete and next bill now cleared 3. Amend…
CCCS and DMP
My fiance received his dmp from CCCS yesterday and all looks to be very reasonable. Each creditor is receiving around 3% of the total balance, and there are only a few receiving less than their usual monthly payment. What is great is they have concentrated mainly on the ones that will be paid off quite quickly, then in 6…
all i can say is thank you!!!!
I have been browsing this site for a while and can only say how inspirational you all are. I am in debt to the tune of £37000 thanks to postgraduate study but i feel able to face up to this now...i thought i was the only one who thought all these things but it seems you all think them to. I really feel able to evaluate…
First time in debt now with soa
well i have been here ages and this month is the first month i will be offically in debt _pale_ This is the first month in two years (since i have had my credit cards) that i will not be able to pay at least 50% off of each card. I am appalled with myself, now this month will be the first month ever that i have only payed…
I feel guilty.....
I have to confess...I've bought a new pair of shoes and a skirt today! £28, but my only saving grace is that I have lots finishing on ebay tomorrow which will get me at least £40, and hopefully more as I have lots of watchers.It was all just going to my bank account to try and lower my overdraft this month,but it'll now be…

★ ★ ★ Meet your Ambassadors

MSE News

Think Money app relaunch leaves thousands unable to access their cash – here's what's happening
Around 2,000 Think Money customers have been locked out of their accounts after the current account provider relaunched its app.
TV licence fee to rise by £10.50 a year to £169.50 from April 2024
The annual cost of a standard colour TV licence will rise to £169.50 from 1 April 2024 – an increase of £10.50 on the current price of £159 a year – the Department for Culture, Media and Sport has announced.
MSE Mince Pie Taste Test 2022
With the festive season in full swing, the Deals Team put their heads together to uncover answers to the true questions of Christmas. No, not Why is my turkey always so dry? or Who writes those terrible Christmas cracker jokes? But Who sells the best mince pies? Is it mince 'pie in the sky' to think that a 99p box could be tastier than one retailing at £12.95? Wait and see. Brandy butter and forks at the ready all, as this is: The MSE Mince Pie Taste Test 2022.
Morses Club borrower? It's launched a new redress scheme for mis-sold loans – here's what it means for you
Borrowers with mis-selling claims against Morses Club likely won't now get the full amount they're owed, after the High Court approved a new scheme put forward by the firm to limit payouts and set a time restriction on claims.
More Than to stop selling car insurance policies – here's what it means for your cover
If you're a More Than car insurance customer with auto-renewal turned on, you should look out for a letter explaining that you'll be switched to Swinton Insurance. Meanwhile, if you're not on auto-renewal, you'll need to arrange new cover when your policy ends as More Than has pulled out of the market.
How to bag a cheap, sustainable Christmas jumper... from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, then feel pressure to buy a new one the following year. That's neither MoneySaving nor good for the planet, so what can we do about it? I have a few ideas...
Martin Lewis: How to earn 8% interest on your savings (and possibly £200 on top, too)
It’s possible to earn 8% interest on your savings – more than four times what many earn – and gain an extra £200 on top. MoneySavingExpert.com founder Martin Lewis explains how.
Expat with Barclays? Here are your options if your account is being closed
Expats who bank with Barclays face having their UK accounts closed following a "strategic review" by the bank, leaving some customers worried about the alternatives available to them. .
Martin Lewis: A trick for Shell Energy (and Octopus) customers to make some money
If you're a Shell Energy customer, you could make £50 with an easy trick shared by MoneySavingExpert.com founder Martin Lewis on the latest episode of ITV's The Martin Lewis Money Show Live.

View All

Debt-free wannabe

Discussion List