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Being nosey....how do you all split the bills with OH?
Been reading a few posts this morning, and a number of people have said about splitting everything 50/50 with their respective OH. That's fine if you are both in the same position, moneywise, isn't it? Personally, with my OH, I always split everything proportionately, as I earn more than him. That way, it leaves him extra…
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Excellant eatser pressie
Hi all Being the soppy uncle I am , I always treat my nephews at Easter . Even thoughim broke. The youngest I gave a small England teddy thing which he hits on the head with his rattle thing. Guess hes Happy. Cost 0p as it was free with a petrol offer last year. My eldest nephew is really into computers. And he doesnt like…
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Spending for Easter Sunday - 16/4/06
Happy Easter! Well, a lot of shops are shut, but there are probably some cash-hungry Easter events (and Church Collections) out there... I think it will be a nil-spender for me.
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Balance Transfers - 0% or Life of Balance?
Hi everyone - Happy Easter to all of you. My Virgin A/c for 9 months is coming to an end. Still have some £10,500 on it (ouch!!!). Now, I can't pay off the balance in a year or even two for that matter but I know that B'card are doing a 0% balance transfer for 10 months, or is it to Aug 2007 ? - can't remember. Dilemma -…
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Advice on budgeting needed!
Hi all, I originally posted this elsewhere but was very helpfully directed to here... We're currently expecting baby #2 at end of June, and am doing some financial planning (or trying to!) I handle the monthly outgoings from my current account, and nearly all of these come out at the beginning of the month, right after…
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Thank you, thank you, thank you!!!
Oh I am sooooo happy, and its all down to you guys and your inspiration (well and slimming world's). Since my lightbulb moment early in March, I have lost a stone and a half and paid £1200 off of my debts - all in 6 weeks :rotfl: :rotfl: Who would have thought I could save money. Admittedly there are march and april loan…
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Sunday - What have you done today that's DFW stylee?
I'm up early for me so thought I'd start this thread this morning. We had such fun with it yesterday .... It's great to see what you do throughout the day as a DFW and share ideas. I have put washing on the line already (have vowed not to use the tumbledryer now til Autumn). Having a nice cup of tea (free vouchers I got…
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Working for Barclays
Hi, My cousin recently got a job with Barclays and was only given a start date once he paid of an outstanding mobile phone bill!! Are they allowed to do this as he feels that they are carrying on like the FBI!! What else do they check before they offer you a job? Thanks!
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Snowball..what's realistic
I have used the snowball calculator a couple of times, my income depends on self-employed work and I am finding it hard to get a Debt free date, I can put X amount towards paying off the debts but that is really the minimum payment on each debt. However I know I can... when work permits :j put a lot more towards paying…
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Court Tuesday
My husband and I are in court on tuesday applying for a variation order against Asset Link. Not sure what to expect any advice/insight would be appreciated. The debt with Asset Link is increasing by about £60 per month because of interest they apply. We make paypments through Payplan and have spoken with them and they said…
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Ntl Broadband
NTL have told my sister in law that they cannot disconnect her broadband service because she is in arrears. Now she is only about £70 in arrears which she is going to pay , but in the mean time shes still getting billed each month the £17.99 fee . Shes well out of the 12month minimum contract , but they will not disconnect…
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I'm so sorry but feeling low
For me, this year has been the year of realisation, I owe a fair bit of money - never missed a payment but hate having the debt hanging round my head. I live with my partner in his house, pay towards the bills, buy all of the food, cleaning materials and toiletries, yet if I try to be economical, he makes me feel like a…
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Newbie Nerd's SOA
Hi Peeps, :j Thank you for the lovely welcome I received – much appreciated. I had spent time making my SOA for you all to peruse (annihilate?!) but here’s a new one (carefully made in Word first…) I’ve been lurking for a couple of months and a member of the site for a year so I think I have done the basics… however, there…
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scottishspendaholic update
Hey everyone, Feeling very money saving inspired at the moment, and 99% of the praise and thanks has to go to the amazing & inspiring posters on here. I just wanted to write a wee update to let everyone know how I am getting on. Thanks to each and every one of you. I joined this site in January this year after making…
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What Can They Do?
Was wondering if I could get some advice for my in laws? My brother in law has not lived at home for the past 4 years, he lives on a base as part of the Army. However he has obtained credit at his parents address, now the debt collectors are phoning them up and pestering them. They have tried explaining the situation to…
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Nice Suprise in the post this morning
I had a free gift in the post this morning from pigsback. It was a money saving Pig. Had to collect 400 points, but got that from just clicking for points. Cute little thing too. So now I am saving my 50 pence pieces in it. Have now got £3.50 in there since this morning. Nice when you have these suprise gifts in the post…
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Ppi?
I have had a loan since 2003 with Lombard Direct, I was VERY naive when I got it out and am now not sure if it includes PPI. How do I find out? Will it just say "PPI"?
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Debt consolidation loan?
Bellow is what I currently owe my creditors but can't afford to pay the full amount back in one lump as they all want. I've been offered an unsecured personal loan of £1,800 at a rate of 5.5% that I could use to pay off everybody. The monthly repayment on the loan is £42 pm over 2 yrs, with the added bonus I can pay off…
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Payment Protection Insurance.
Hi guys. Wonder if any of you can help. My friend has a catalogue, and when she placed an order with them last year, they offered PPI which she declined. On her next statement, she discovered that PPI had been added anyway, and wrote asking for it to be removed. This went on for 5 months before they actually removed the…
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To Treat Or Not To Treat, That Is The Question?
In a bit of a dilemma at the moment. I have been selling Avon for the last 3 weeks and have my first bit of comission of £82 after expenses. Now the reason for doing this was to pay our debt off quicker, but my husband says I should use it to treat myself. With 2 young children, as most mums know it is hard to treat…
