-
too late
too late the tears have started- and i'm at work. after stupid crappy company getting my hopes up about a loan this morning,:mad: my OH has just rang to let me know that even thoug he has been to put money in my bank to avoid a charge:rolleyes: there was no point as it is still £89 overdrawn:cry: after ringing the bank i…
-
just a message
Everyday i come on here and i'm feeling down, like 2day for instance i had a company ring offering me a £6000 loan on the phone for an hour and a half with me stating from the beginning i don't want debt management-at the end of the phone call-no loan they r debt management!!!:mad: what a waste of time! then a million…
-
I want to go to sleep and not wake up
Sorry didn't know what else to do so I posted here. I would never do anything to myself, I just don't want to be here anymore. Everything seems to go wrong and its a constant fight. I'm tired/broke/lonely. I don't feel like doing anything today, havn't even brushed my hair as it seems too much effort. All I've done is cry…
-
Re Quidco, R Points, Mystery Shopper etc
Have seen several threads recently about money made via cash back sites, doing mystery shopper etc. I was wondering if people also tell the tax man or benefit office of this cash? I am not passing judgement, but I was wondering if say the quidco stuff counts as income? Thanks chev
-
lloyds charges
So Lloyds have acknowledged the claim and not spent ages to do it. I'm getting worried now that they will take this al the way. What experiences have people had with Lloyds TSB on claiming charges back e.g. time frames etc etc
-
On-line Surveys! Gained absolutely nothing!
Hi everyone! Every now and again I read of people who have been relatively successful when trying to earn a few pennies via filling in online surveys. I am constantly emailed by a few (can't think of them off the top of my head) but I have gained absolutely nothing. A couple you can save points to get vouchers but they…
-
Gifts - the DFW way....
Here goes..... CHRISTMAS There I said it, don't start throwing things at me! I know it's still August but I want to start planning now so I know everything is sorted! Has anyone come up with any really good ideas on what to buy/make for friends/relatives for the dreaded 'C' word this year? Thought we could have a thread…
-
Anyone else in this situation?
Im thinking forward to the future (when I will be debt free) and although I have just under £10k of manageable debt I want to get rid of it as soon as possible. As I have mentioned on here a million times (sorry!) my OH is in a considerably larger amount of debt, and is still pre-LB. I cant help thinking about what will…
-
Anyone having trouble........?
Hi anyone having trouble logging in to the cccs website? it doesn't seem to be registering my password:confused: and it seems as if the site has changed! best wishes luke
-
My 100th Post - Help needed muchly! - Useless!
I posted (Head & Brick wall title) a few days back regarding Halifax taking £200 out of my account. I've managed to get an appointment with my bank manager tomorrow about this as I need the money refunding. I've C&P'd my original message: Argh! I've recently opened my new basic account with A&L as advised as I owe a lot to…
-
Mackenzie Hall / CCJ
Hi I have received in the post a letter form a company called Mackenzie Hall. They say they are trying to contact me concerning a 'personal matter'. The letter is on photocopied headed paper and a printed signature. So far I have not contacted them and have no intention of doing so until they contact me with a specific…
-
Something which may help others
This is just a personal tip that went down quite well in another thread. I have debt, and I didn't like the 27,000 figure when I originally started out on my way to debt freedom. So instead of looking at it as 27,000, and chucking £100 at it to make it £26,900 (not good figures here, 26 sounds better than 27!!) I worked on…
-
Credit card debt advice please.
Hello all, 1st timer here so please be gentle... I have a problem with my plastic (who doesn't?, I hear you chorus). I have 5 cards all of which I cannot currently make the minimum repayments, and I don't quite know what to do. It all began a year ago... I haven't worked full time for the last 12 months. In Aug 2005 I…
-
Confession Time...
Hello folks! The guilt of my secret overdraft became too much today and I decided to confess all to my husband. I did it the mature and courageous way...I sent him a text message. :rolleyes: I just couldn't face seeing his reaction - I hate hurting him like this because he has been so wonderful in the past about my debts.…
-
How much have/will you spend today Tue 29/8?
Good afternoon folks! Can't find the 'how much' thread anywhere today so hope I am not duplicating! Another non spender for me today. Back at work :( and about to have my wonderful lunch (butter beans with tomatoes and pitta bread yum yum!) then straight home for a night of rest after a hard day at work :o Hope we have…
-
Gas and Electric help please
I have just changed my gas and electric to npower. Not sure whether I am going to be better off or not but anything is worth a try!! I just was wondering a couple of things really. I have got my final account from scottish power for £110 for gas and havent got electric yet - can i arrange to pay these like £10 per month or…
-
How has this board changed your life?
Just thought I would see how much people have been helped by sharing experiences or getting encouragement from like minded individuals. Personally I am now far more determined to be debt free, I have a budget that works and know exactly what is going on with all of my bank a/c, c/cards and loans.
-
Overpaying or debt ridding
I only really have two debts, feel quite lucky in comparison to some peeps on here really. Nationwide loan of £3,000 which I have been paying for about 1 year and a half. 5 year term and 6.5% interest Student loan of £3,088 which I have been paying off since July 2004 at a rate that varied, but now seems to be £90 a month.…
-
I am so worried
No, I know that some of you might think - shouldn't she have thought about that earlier but to be honest I have and sort of put my head in the sand. I am 26 weeks pregnant and due to start mat leave soon, which obviously will be a big cut in the income. On top of that my husband's contract doesn't get extended and he needs…
-
I am flailing, I am flailing....
Right back some time ago when I found DFW I was so full of energy and motivation was at full tilt. I just couldnt stop moneysaving. Now I just feel like, blueeerrrrgghhhh I have no motivation. It doesnt help that Im unwell and generally feel quite weak, Im desperate to get back to work, bt alas this doesnt seem to be…
