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Debt-free wannabe

Archives for May 2006

Ding Ding Ding
OK today my new tax credits came through. Just a quick recap, we knew we had been overpaid as we had made more than we had estiamted, our worry was how much more and how would this affect what we get each month, which like most people we need if we are to scrape by. Anyway todays post informed us we had been over paid by…
SOA - updated (ish) - 15th july
Hi , been posting here for a while but finally took my head out of the sand and started SOA... Income Hubby – 178 week wages 180 week - cancelled gym membership Me – self-employed approx 21 – 83 a week (varies cos commission based but average is 54 wk) current income - week ( hubby off sick) [STRIKE]70.00 SSP[/STRIKE]…
Sorry if its been asked before???
Hi I am just trying to get use to all this (or should i say just started admitting all this). I was wondering about this cliaming back bank charges. I have paid massive amounts over last six years. I have tried reading consumer page but still not sure if i qualify and what are the risks? Sorry again if this has been asked…
Battle Of The Studs: Jamesy v SS
Ladies, this is what you've all been waiting for! :cool: :p Nah seriously, Jamesy and me are !!!!!! off with ourselves for letting things slip in May so June is gonna be the month we get back on track. We're basically gonna be motivating each other to stay within our budgets by 'fessing up to everything on this thread.…
Quick , west london- woman? Got kids?
Ive been emailed from Saros about a focus group on the 1st & 2nd june 4pm its about kids shoes Anyone wants the details PM me asap ( Ill be online for no more than an hour tonight) Ill send you the link they said in the email I can pass it on.
Such a good day.!!!!
Hi all, Since my organising post i have been sorting a few bits out every day. Today however, i have sorted out all of my paperwork, bills, bank statements, bits and bobs that needed doing, sent a letter to barclays regarding charges, got some others to do for that. Wrote to tax credits adjudicator. Wrote down my direct…
what do i do now
Hi there I have been reading mse for months but have only just got up the courage to post something I am terrified i am having problems keeping up my repayments on everything as my husband lost his job and my wages are not covering. my soa is income £230 per week wages £116 per month child benefit £73 per week family…
it works
hi i came on here a few days ago and you gave me some good adivce about cancling sky and aol for better deals i phoned sky today and said that i wanted to cancle i was paying 28 per month they offered me a new deal i keep what i have now and i keep sky plus but now i only pay 10.75 per month for 6 months saving me 1725 per…
Thanks to you all...
Firstly I am a complete lurker on these boards but now feel the need to write and say thanks to every one of you who post. After just over a year I have wiped all my debt :j , nothing extreme like some of the posts but the total was almost £ 9500 on a variety of loans and credit cards. I have read many pages here and used…
I'm so pleased!
It's pay day today, so I checked my DMP. My signature says it all. I had miscalculated at some point, and thought I'd be debt free in May 2011, but now my last payments should be made in Feb 2011 (if I don't have anything disasterous happen). I'm practically dancing (and if you knew me you'd know that that's a big deal for…
Exemptions for spend free days!
Dont know about anyone else but my ebay/amazon selling is seriously affecting spend free days because of having to post stuff all the time! Psychologically this is actually getting me down a bit as I am trying to have 3 spend free days a week but with sending ebay stuff off this is impossible so am not reaching my goals!…
Am I the only one without a DMP/IVA etc?!!
Reading through various posts I realised that most people have a formal DMP/IVA & was wondering whether I was the only one who hasnt got one!! Whan I had my lightbulb moment I contacted CCCS who were lovely (although I cried most of the way through!) but didnt get to my "long" interview because I worked out by then that I…
Quick Question Re Balance Transfer
Hi peeps, A while back I got a Halifax Credit card with a £7,500 limit. I transfered an 8% card onto it and a few other bits and pieces to take advantage of the 0% offer. Then I commited the cardinal sin, I spent a couple of quid on it :( I figured id screwed up and rung them to check they were now saying 3 months was the…
Does it get easier?
Hi I am new to the forum. Having been using moneysavingexpert.com for sometime. Things finally came to ahead two weeks ago. I went to CAB last week, I have sent the last of my budget plans off today to my creditors. I am still not sleeping, waiting for the replies. Everytime i put the tv on its an advert for loans or…
What would happen if everyone in Debt stopped paying
Just sat here wondering what would happen if everyone in the country just deceided tommorow they were not paying their debt back - would they really take us all to court????????????????????????
What insurances do I need for my home
My ship is sinking and I need to cut down my monthly out-goings. I've looked at my debits and there are quite a few going out to insurance companies for various things... Need to check exactly what they are, but most *I think* are for house insurance, life insurance, critical illness... and stuff like that. Could anyone…
Yay! I'll be debt free before summer's out!
It's just dawned on me whilst making my monthly CC payment. Only 2 more to go and I'll be debt free!!! Approx £4.5k initially and now only £770 to go. Boy do I feel good! I've just made my first foray into the world of savings - joining the £2 club. See everybody - it is possible :D Thanks MSE!
over the weekend....
i worked out that i can pay off my loan this year if i stick to my current level of saving. i know everyone says you should throw all your money onto your debts and then save, but i want to have some money behind me just in case. i would rather make 1 lump sum and then it will be cleared. at the end of the year i am going…
2k needed in 24 hours
hi i cant go to banks or bs so in need of loan shark in herts area please help? snake
SUCCESS! Well, kind of...
Having bored senseless everyone I know about how to go about paying off debts and showing off my retentively filled-in budget book at every available opportunity, I've had a success of sorts... Nothing to do with my own debts, but something I didn't expect nonetheless... ... a colleague at work quietly sidled up to me and…

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MSE News

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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt-free wannabe

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