-
It's the overdraft that's making my quest so difficult!
I've been going over my finances (again!) and I think part of the problem is the fact that I'm overdrawn every month by £600, this means, that once I've paid my shares of the bills and mortgage, I have hardly anything left for my petrol for the month (which is a lot) and the ususal necessities.... I'm trying to sell what I…
-
Sunday evening chat anyone?
I'm bored tonight trying to be DFW not spend anything tonight,,, Whats your news?
-
Feeling sorry for myself
Hi Guys I hope you don't mind but I just thought I would have a bit of a winge. I've been doing quite well with the DFW Life recently -haven't used my credit card for 6 months and I've paid off my overdraft. Now though, I've developed an absess in my mouth which is probably going to need quite a bit of dental treatment…
-
How much should I sell my stuff for?
I know this is probably not the best place to post this (sorry) but I know you lot and trust your opinions, and I promise it's only a quick question..... I'm going to try and flog some of my stuff at work via our intranet sales board. I've got quite a few CDs to sell which are quite recent CDs...what price tag should I put…
-
help
can anyone please help i want to make a complaint about a debt collection company. i went to the cab waiting for appointment is there anywhere else.
-
Irishmanc's Debt free diary
Hi, there, long time lurker, 1st time poster. Quick run down before my SOA. I'm 23, own my own 2 bed flat (well Bank of Ireland owns it), been working since I graduated in Nov 04. My BF stay over most nights. Incommings: £1485.98 (after tax and student loan) salary/month £120 from OH for bills/month £60/week for food…
-
How does an IVA work?
How does an IVA work? Is it much the same as bankrupt? Do you have to sell all you assests?
-
more rip offs
sorry guys you can see i have time on my hands fancy a loan well i know just the people to avoid. This lot: http://www.3monthloan.co.uk/charges.htm Typical 621.8% APR!!!!! Seems only fair right ???? Dave :mad: :mad: :mad: :mad: :mad:
-
rip off mobile phones
bloody hell (sorry for the swearing) check this out scroll to the bottom of the page and look at the APR: http://www.phonesonfinance.com/(S(rbtvtt45x4xugue2rqtgu255))/StaticPages.aspx?StaticPageId=HowItWorks Yep you read right rates from : 92.2% to 100.5% APR talk about taking the mick and abusing those already struggling.…
-
CCJ Advice - setting aside
Ok - Ill try and explain this the best I can. Threes years a go I fell in to debt quite badly at university. I was at university as a mature student (26 at the time), trying to survive on a part time job. Things were tight financially, but I was determined to make it work. At the time I was single, renting a room near the…
-
please delete
sorry double posted cant see how to delete
-
For absent friends....
I have noticed that a few of the 'regulars' are not here this weekend. I have a feeling - and a couple of PMs - that some of our friends are struggling at the moment :( I just wanted to send a general message of support,and hope many of you join in, to anyone out there that needs it. It is OK to take time and not post, we…
-
new pre-paid card
Hi guys have just come across this. I currently use a cashplus mastercard but i'm always looking for ways to manage my money. yes there is some cost and yes it may not be for everyone, but if you need a maestro card and can't get one it may be worth thinking about. here is the link.…
-
Shop Direct Financial Services?
Hi there :) I've just obtained my trial Experian credit report (via Pigsback - I'm getting there with the DFW-ness!) and there are two items on it that I have no idea what they are. They're clearly mail order catalogues, and searching back through my mind I've had one or two in the past, but for the life of me I can't…
-
Moving out for the first time and wana stay MSE style
Ok so im moving out of home into a rented property with my girlfriend. the thing is we are a little unsure which are the best companies, well the cheapest for all stuff like gas, elec, water etc. we just spoke to the girl currently renting and she says she is paying £57 a month for gas and elec and its only a one bedroom…
-
5p Listing Day Ebay + free Gallery Upgrade
The 20th and the 21st November!!
-
Debts :(
hi, well i got into debt a few years ago - about £35,000 i think. I lost my job and started to fall into arrears - I then foolishly paid a lot of money to a debt managment company to help me pay my debts - which i found out 1 1/2 years later they were paying my creditors pennies and charging me over £150 a month . as my…
-
How much have you spent today Sunday 19/11 & new Sun to Fri challenge!
Good afternoon lovely DFWs :) Just finished eating my cereal - how lazy am I today! :D Still on a high after paying off and closing the credit card yesterday and then spending £150 odd on me :j Hope many more days like that come my way ;) Anyway, as far as the challenge goes, I did well, came in under the £15 I budgeted,…
-
Business lost, big personal debt as result pls help
Hi Up until March of this year had my own business and all going ok. Had a client refuse to pay a final bill and went down at the bank for £100,000. Had a personal guarantee for £12,000 but with no income huge bills and debts soon racked up. Cost me my marriage so no had to sell the house which will generate £135,000 but i…
-
Goals for week commencing 19 November
Last week's thread is here -- Keep hacking away at freelance work and hopefully fix up some more. Done. Fixed up a shift on The Guardian next week, which is nice. Slowly getting on with other work. -- List unwanted/unloved CDs and books on Amazon Done. Put a batch of them online last night. If they sell that'll be about…
