Debt-free wannabe

Archives for September 2006

wahey!!!
its just past midnight, so that means yesterday i didnt spend any money! had my first no spend day in absolutley ages!!!! here's to another one tomorrow!!!
What I/we've been up to..
Hi I thought I should post an update, its also a confession, in as much as we've not been doing so well in terms of MS. Yes we got our outgoings down to under our incomings, which is great, but due to our cicumstances (wont bore you with the details that I've already posted, but OH works away 4/5days 110miles away) we've…
Debt After Death
Hello Just wondering if a person in debt dies or dies during bankruptcy. Does the debt die with them or can creditors/court still claim from estate, death in service benefits etc. Thanks
Well this is what I've done so far...
Well I've made a decision on how I am to clear my debt.Instead of thinking of doing it,I've actually gone and done it. I am £20,000 in debt.All of this money is done to my pure greed.I've throught long and hard and I have promised myself not to ignore my ever growing bills. So I have got out and gotten myself a part time…
Settling IVAs early.
I've seen a few people who have talked about them ending their IVAs early. Can I ask anyone who was able to do this how they achieved it? Thanks for any help :)
Help in my recovery
Hi all, I have only just discovered this place - a really useful mine of information! My problems began several years ago - I got myself addicted to online gambling and built up lots of debts. I also totally neglected paying bills, and entered a vicious cycle of depression and more debt. To cut a long story short, I was…
Saturday Night Party at MaxiSpender's
Oh, shoot! Not a DFW day on account of going to Sainsbury's instead of Asbo! I bought posh wine - make me feel better by having a glass! EDIT: Bring your favourite film - mine is Some Like It Hot.
Panias positive Progress! Update from a desperate dfw!!
ok, so here we go. Approximately a month ago i posted my woes my failures and short comings for all to see. I took on the chin the firm, fair but incredibly caring, advice support and at times square tellings off. I hid myself for a night battered and bruised by the experience and had to make myself post again the next…
is bankrupcy the way to go?
Hi as a couple we are thinking of going bankrupt. We have accumulated over £37,000 since starting uni, plus student loans on top of that! We started using credit as I fell pregnant in my second year and had to take a year out of uni as I was going to have to take over6 weeks out I was recomended to take the year out. Which…
Is this debt thing a disease???
What is wrong with me? I am currently slowly getting the debts down and am due to pay off one debt next week so it will be "tying one up" with x to go which is fair enough and I am looking forward to having one less to go BUT.................. I am due to come into some money, back pay from work which will most likely be…
Newbie - spending too much!
Hi I've been lurking for a long time but have finally decided to post now I feel more in control of my money - thanks in no small part to this board! I have also learnt the delights of Quidco (£126.00 to date) through this board, and hopefully will be able to get my head round match betting some time soon (maths never was…
Walk To Supermarket
Just wanted to let everyone I had another minor kinda lightbulb moment this morning! I walked to the supermarket (I always drive, lazy I know), saving on petrol, burning off some calories and then realising I couldn't carry much home so only bought the essentials! Wasn't tempted to spend on extras knowing I would have to…
Don't Know Where To Turn
I have been lurking on this site for a while now and read SouthernScousers story yesterday showing how far he had got in a year. It really inspired me and made me realise that if I do not do something quick I will be even further in debt in a years time, and I really want to get out of debt. I am getting really worried…
Can HSBC Do this while in an IVA?
Hiya All My IVA was accepted last week, But a letter has arrived today from HSBC about the credit card I had with them. It states that "As your IVA has been accepted and brought into force, Your Agreemeent with HSBC has been terminated and your outstanding balance will be recorded on your credit file with the credit…
Unethical lending
I've just been having a look around and something's struck me. A couple of years ago I took out a loan with egg. The idea was to pay off an existing loan and buy furniture (I'd moved into an unfurnished flat). I then had the bright idea to pay off a credit card, and only pay off three quarters of the existing loan. The…
just when you think your ok this month!!!
Bloomin bloomin typical!!!! Just when you think you have everything sorted this month and have saved a bit of cash to give to the vat man something always happens!! Was just out shopping (at aldi) visited my dad and on the way back the brakes went on my car!! Luckily I was only doing 20 mph as I saw traffic up ahead,…
How much have/will you spend today Saturday 30/9?
Good morning DFWs! Last day in September:eek: Just where has the year gone exactly??? On the positive side though, I am 17 days away from payday and can't wait!!! :j Feeling good today, lots of things to do and some more debt paid off :D I'll be tidying up and finding more treasures for ebay. Keep meaning to list some…
Help!
There I've said it..... I think I need some help. I'm reading many of the other posts and advice, but I'm not sure what stops me taking it. Well to be fair some of it I do take. I think one of my problems is that I can't stop spending money. I work for a high street bank am successful in my job, I have a good salary but I…
IVA or Bankruptcy?
I really need some advice on the way forward. I'm disabled and on benefits. I've built up a lot of debt over the last few years (about 9000, low compared to most but higher than I can afford), because of yo-yoing between being a student and being too ill to study, and the lag between getting benefits, meaning I've had to…
Good Week, Bad Week
Helloo Anyone fancy joining me in a good week/bad week thread? Good Week I got a pay rise yipeeeeeeeeeeeeeeeeeee! An extra £120 a month :) It takes effect from October 1st, which is the only month of the year when I will be doing 8 extra days overtime, so my pay is going to be massive And I will now be semi DF by the end…

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Debt-free wannabe

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