-
Forum newbie seeks debt free status
Hello forum :beer: I'm looking to change bank account, as well as reduce my credit card and loan debt. I think that by doing it all at once (or at least, a structured timeframe), I can optimise my finances and waste less money on frivilous spending. I saw a recommendation for Nationwide as a bank account, and as well as…
-
Job Hunt (UPDATE!)
Hello DFWs! I just wanted a quick post on here - no I'm not procrastinating!! - and ask you all to cross your fingers for me whilst I find a job. My debts will be so much easier to pay off once I have some money coming in - Doh! I am working on one application at the moment (heck it's 1am!) and it has to be in at midday…
-
Loans when you have not been a resident for 3 years
Hi everyone, I just moved to UK from Germany and am working here as an engineer. My problem is that I had a loan to help out my family in a critical situation in Germany. I still need to pay back about 20000 pounds. The problem is that I was not smart about it and have a terrible interest rate from Citibank. I would like…
-
Me ONE.....Bank...Nil!!
I had a letter through the other day saying that because of an unpaid DD, they were going to charge me £42.50!!!!! I couldn't believe it! I rang them up and gave the young lad on the other end a right rollicking telling him that I knew it didn't cost a bank £42.50 for a returned DD!! He promptly put me on to his manager…
-
First steps taken
I cut up my credit cards!! :)
-
Help with sorting out this mess please
The short message is that with a joint income of £45,000, we are struggling. Which is stupid, I know. We have got a pack from Payplan and have today filled out an income and expenditure sheet. I have completed it in excel, but I don't know how to copy it into here to let you all have a look. In brief, our income is £2,733…
-
DCA & employment debt
Hi, I have a client who I am trying to sort a remortgage out for and they have been telling me about a problem they are going through. Not being on the internet, I told them that I might know a few nice people who can try and shed some light on what could happen to them. The issue is that one of them is contracted to a…
-
re: food ideas
Can anyone tell me where I can get info on meal planning and recipe ideas, please? I need to cut my monthly food bill from £385 to about £250
-
Happy Birthday to louby_loo!
Happy Birthday louby_loo! Just spotted your name on the birthday list! Hip, hip...
-
Sorry Sorry Sorry
................................... sorry mods Will
-
Frustrated
Why is life so cruel? :confused: After several years of financially being on my ar@@ and being in debt. I am actually £440 in debt now ( yippee) and I have been counting down the days to posting that I have cleared the lot. As I only work part time I needed two more pays days and it was allllll gone. BUT NOW i need a…
-
MSE Newbee
Hi there, Its my first time on this site...I have been receiving Martin's emails for a few weeks now and decided I needed to start looking on here for other people's advice and tips on saving cash! I'm 24 and bought a house last year with my partner....because of the change of money situation, I suddenly realised I had no…
-
ssssh quiet
is it me or has it been very quiet round these parts this weekend. i hope that everyone is not out spending money lol regards mrs a
-
First Post: How to screw your credit rating without even knowing it!
Hello people, New to this board so as my first post I thought I mightaswell give a history on how my credit rating got so bad without much effort at all. Started with a perfectly clean credit history, nothing other than mobile phone contracts and an overdraft which were always up to date. Then I started university: Was…
-
When your oh isn't as keen as you
to get out of debt. I'm the one that does all the workings out, I'm the one that wants to get out of debt, I'm the one that searches through the internet for cheap suppliers and insurance. He's just not interested. I came up with a plan that we could start snowballing payments. But he didn't want to do it.He found every…
-
IVA and Bank Charges
I have recently claimed back £3200 from the Halifax in bank charges - I am currently in year 2 of an IVA. I have already commenced action with the Woolwich for £2200 and HSBC for £184 - the thing is HSBC and Woolwich are both of my creditors in the IVA. I have read conflicting stories both on her and on consumer website…
-
I know how partial DFWers are to free cash...
I found FREE money If you're on Quidco, go to easymobile through the mobile and utilities section. You get £20 for a SIM pack, when you purchase credit. However, when you click the link, on the front page is buy a SIM card, and get £10 credit for a QUID! I've done it, and it's right, £20 is now showing up on my Quidco…
-
How Much Have You Spent Today? Sunday 13th August 2006
Boo hoo!!!! I had two no spend days in a row (Friday & Saturday) and today I have only spent £33 on the weekly main shop. I was feeling so proud of myself....then....on the way home the car battery light came on and has stayed on. Waiting for the RAC to come out & diagnose now.....hell!! Is it going to be something simple…
-
I Really Really Want Sky!
It's not fair! The Community Shield kicks off in 10 minutes and the new Premiership season in 6 days and I'm going to miss it all coz I haven't got Sky! :cry: Why is life so unfair? :(
-
Its all gone wrong
Well i am back here after what seems like an age away. The last month or so has been a bit of a rollercoaster and it only seems to be getting worse. Plus what with the summer hols i have had barely a minute to myself. Well we had been doing so well getting our money problems sorted out. Had reduced all we could, started it…
