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What to do for the best...?
Hi, I have two questions - keen to know what you think. First, these are my debts: Student loan outstanding = £6.4k. 3.2%APR. Paying £117 pcm until 04/11. Nationwide loan outstanding = £4.7k (6.7%APR) (Paying £80 pcm until 08/11. Amex 'platinum' card = £4.3k. 4.9%APR - for life of balance. Paying c.£130 pcm. 5k credit…
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update from dazzanator
hi well i thought i would update you all on last week you may rember we spent the best part of hundred and sixty pound on food in 6 days our aims where to take water and snacks out with us done 4 out of seven i keep forgeting to have lunchs at home done to get all our shoping at the weekly shop done our weekly shop cost…
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i'm new need to off load
Hello all, have been reading here a few days now plucking up the courage. I currently have the following - Loan - 14000 approx Capital one card - £3500 Lloyds - £7500 Currently paying out £565 per month. Paying only minimum payments on credit cards and £320 on loan which has 4 years left to run. My partner knows i am in…
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Has anyone done junk mail delivering?
Just wondering, as we are always getting junk through our door from estate agents. Has anyone done this & what do they pay? I work 30 hours a week so I could fit it in my free time.
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The bank have screwed up and im going to loose a lot. What can I do
Hi Everyone further to my other thread, the bank (NR) have screwed up. Basically even though I indicated same day transfer and they have admitted it. They say that they cant fix it. Now this guy im buying the website from said it was conditional on transfer tonight or he will sell it on to someone else (the price i got was…
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my update
hi all just to let you know whats been going on lately-the new house will be mine in 2 weeks time it is all signed and sealed am a bit daunted by the task ahead but feel that i am doing the right thing for my family......i will no doubt be online requesting your help to keep me on the straight and narrow and for money…
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Quidco
Now this is probably going to sound really thick! .. but here goes no laughing out loud now! ... what exactly do Quidco do? ive joined up and ive seen people can make money but how? ... sits back and waits for the laughter ... thanks xx piratess xx :doh:
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Advertising wall planner
Hiya To get out of debt i'm trying to work as much as I can. Today I received a phone call from a company called Hamilton Forbes offering advertising space on a charity wall planner for £95. It sounds ok in principle but little alarm bells are ringing...has anyone had any dealings with them? Is it a good deal? I don't want…
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be gentle, i'm new...and skint!
hi folks, firstly a thanks, i felt bad about the debt i'm in till i came on here, it almost seems nothing compared to some of you, but it is damn near crippling to me. i'm a 24 year old lassie in the north of scotland living alone (prefer it that way honest). i work as a sales assistant and do a small amont of freelance…
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staying focused
I hope no one minds, but I have decided to write a few things down to help me stay focused. I've done well so far, but feel there is a lot more I could do. since I started moneysaving (or rather money not spending!) I have changed my bank account, lost my overdraft and transferred my credit card to a interest free loan. I…
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Feeling scared
Hi there all, I thought I'd do a quick post to introduce myself. I'm a mum living with hubby and our baby daughter, as well as his two daughters from a previous relationship. We have recently somehow managed to get a mortgage, so now have our own house, but our outgoings have overtaken our incomings, and we're getting…
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OH ruined the grass--any ideas?
Hi I am not sure if I am on the right board---anyhow here goes!! My OH never cuts the grass but last week I was busy and I asked him if he could do it for a change. He managed to do it and when i came back I said it looks very short! He had put the spacer thing right down to "save having to cut it again in a hurry!!".Well…
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IVA creditors claims
I have just recieved a copy of my first eyar IVA review. On it is a list of creditors and it states that 17 out of the 20 have NOT sent in either a claim or supporting documents. It states taht if they do not send in claim by 7July 06 they may be excluded from the arrangement. Whats the chances of this happening? The only…
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Selling Books & CDS
HI all, decided to purge my bookshelf and CD rack, any suggestions as to the best place to sell these items. I'm in no particular hurry and don't really want them to go for free. Just made a horrid mistake this week did a book swap with someone, swapped my new books that I got for my birthday from my OH and got 2 battered…
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Dont know whats best.
I'm self employed driving instructor, at the moment I'm making enough money and was hoping to be debt free in about 3 years, I owe about £15000, all on low life of balence rates. But now I've just become pregnant, and I'm wondering if it would be better to declair myself bancrupt. Even if I carry on working after the…
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Oh my god - can someone please advise?
I took out an application for the gym several months ago, and pay £33 a month towards this, set up on what I thought was an automatic direct debit. Now, I filled the form in and sent it away but I heard nothing back from them, and I assumed it was going fine. I moved house nearly two months ago and I sent a letter off…
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What have you spent today? 13/06/06
Thought I'd start this off. I'm hoping for almost a no spend.Got to go into town to pick my new glasses up ( already paid for) so that will be 60p-£1.20 for the car park depending on how quick I can be, and then £1.20 for Guide subs for daughter.I hope that's all...
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So mad at Tescos!
Spoke to the lady on the phone at the middle of last week and made a one off payment to clear my account (ended up using my savings but its one less debt!) anyhow, asked the woman on the phone if this would leave a free balance and that I would be okay to close the account now and she said yes fine no trouble Mrs Williams…
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I've failed
Hi Guys, Just thought id post on here and confess my sins as such. Been a very very very bad boy for the last few days. Firstly, I have eaten out twice when I shouldnt really have, but thats nothing compared to.... Put £210 of PC parts on my cc @ 8% Took out a £6000 business loan to buy out someone. Admittedly the business…
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Advise on claiming back bank charges?
Hi guys, I posted a thread last night. Thanks for everyones replies and support. Was considering declering bankruptcy, but going to stick with the DPM with CCCS for now. Hopefully will have another job by the end of the year which I'am working towards at the moment, so If successful, I will be earning a lot more money!…
