-
So much for a nice easter!
Well that nice £517 cheque I got last week (some may recall me feeling very happy ;) ) has already partially gone :) BUT even though most of it will now NOT go on the debt at least some unexpected repairs to my car will now not ADD to my debt :) Went to visit friends in Lakenheath which was long overdue and on the way back…
-
Abbey Dragging Their Feet
I paid off my fiances overdraft of £290 with Abbey right at the beginning of February and he closed the account, they said as we had overpaid (which we had) we would be sent a letter and a cheque for what would be about £5 in about 3 weeks time. We are still waiting now, we have tried to contact them and as the account is…
-
Claiming back overdraft/late payment charges!
Hi guys I just wondered if anyone here's had any experience of this. My OH is raving at the moment about this thing he's discovered about being entitled to claim back the money that his bank and cc companies have charged him for missing payments or exceeding his overdraft - apparently they can only charge £12 and most of…
-
Who was naughty over Easter weekend?
I wasnt tooooooo bad. I brought a cabinet from Asda Living, which cost £30 (instead of the one I wanted from Next Directory for £120) so although I splurged, it wasnt too bad! and other than that was very well behaved! I made my lunch last nite so I am planning on having a no spend day today. I saved £3 instead of going to…
-
Do u limit the amount of money you have per week?
I'm trying to get by on £20 per week, that includes £10 for petrol. Do you guys do the same?
-
Changing Mortgage to Interest Only
Hi I am currently in £25000 of debt. Iam managing to make the payments each month but am a bit short of cash. Someone recommended changing my mortgage from repayment to interest only. My mortgage is a fixed rate from Halifax. I have spoken to them about it and they are asking me how I will repay the mortgage in 20 years…
-
put my thread in wrong bit want it here help?????
hi just put my soa in mortgage free wannabe but want it in this thread how do i do that??? and how do i get the cc balances like u guys have got on bottom??? thick i know!!!!
-
my SOA, any advice????
Hi me and my partner own £23,000 in total on credit cards and have just been accepted for a direct line 5.6% loan of 15,000 over 2 yrs at £661.00 a month, we think we can afford it but not sure what the best thing to do is!! we earn just under £3000 between us after tax havent got a clue how we got into this!! we should be…
-
What have you done today thats DFW Stylee? Tues/18
Ha yet again, logging into here before doing anything else ( & checking my freecycle...) do we sense a pattern?! Off to work at 9, so maybe time to fit in a few DFW tasks! HAve a brilliant day everyone and happy moneysaving :beer:
-
HSBC have excelled themselves this time
Applying for an IVA and in the meantime have cancelled direct debits and standing orders on instruction from Payplan. This included cancelling a standing order for HSBC personal loan which comes out of my HSBC current account. Over the weekend, HSBC have reinstated my standing order without any authorisation from me and…
-
I need a debt consolidation loan (Experian rating - Poor)
At the moment i am paying out £180 a month on a £6,000 Natwest Loan APR 8.9%, £110 on a 2,500 Liverpool Victoria Loan APR 12.9% and have a CC balance of 1600 (19.9 APR) (never missed a payment in 2.5 years) I have had to move location with work which has meant i dont have enough to live on (Well i have about £55 a month…
-
Post Your Money Saving Sayings Here!
Thought it would be quite good to hear all the wise man money sayings! You know the sort; Look after the pennies, and the pounds look after themselves! But if anyone has any unsual ones even better! :D
-
What Have You Spent This Bank Holiday Monday 17/04?
Apologies if I've missed this but couldn't see it! :confused: Today was a big fate zero! :j Only my second non-spend day of the month! :o
-
When it's all over
A question..... :confused: When the final payment is made, and everything is in the black, you can open your post again with cold sweats and you don't jump when theres a knock at the door. What will you reward youself with? :rolleyes: Obviously not a new credit card Nor a store card Or suddenly waking all the lights and…
-
Just a little advice for me
Hello :j As you can see from my siggy I have some debt but in approx 2 weeks I will be getting the cheque for my overpayment of electric, some compensation from a car crash and hopefully some of my bank charges back. From this money I want to pay off most of that debt. Can I make offers to the people to pay there and then…
-
help daughter has sold brighthouse goods
an now she has to face them what can she do she sold them to pay off aggressive loan shark where does she stand legally she is terrified of the consequences of her actions help
-
BBC "Have Your Say"...
is discussing debt. Some interesting comments... (Edited to amend URL link)
-
Lunchtime plan to save money at work - lets see how much we can all save in a month!
I have been on this site for a few days now and I think it's fabulous! I am trying to reduce my student loan by as much as possible and although I am under the threshold of £15,000 at the moment - I am now paying off £50 per week for the forseable future so the current interest of £360 per year doesn't keep mounting up!…
-
The Ten Commandments
Since getting my lightbulb moment in February, I've become addicted to this site, and the DFW threads in particular. As a result, I've become a nerd, joined the £2 savers club, take part in the monthly budget challenges and joined the fat-free wannabe cuddle. But it's getting worse! :eek: I have spreadsheets for…
-
Newbie Debt free wannabee!!
Hi all, I'm so nervous about this,I've never been in a chat forum before so excuse my ineptness. In brief, my husband and I got into a huge amount of debt when he had an accident at work & was unable to return. I had to work away from home for the next 4 years and get back on weekends to nurse our teenage son who had…
