-
Schedule Of Income & Expenditure
What can you put on a schedule of income and expenditure? Can you include things like clothes, cigarettes, food, petrol, etc? Thanks
-
Putting debts into morgage can I do it?
Im currently trying to buy my first home for £140,000 next month. Im on a salary of £28,00 and my girlfirend £12,000. I have been told I can burrow upto £180,000. My question is:- I have unsecured debts (credit cards and loans) upto £20,000, is it possible for me to ask the building society (nationwide) if I can add my…
-
oo-oo-oo - I wanna be like you-oo-oo!
-
24.4.07 what small dfw/mse thing will you do/have you done today?
Howdee fellow DFWers :D We all know that the big changes can make an instant difference to our finances, eg cutting up the credit cards and cancelling Sky or the gym membership. But once we have done all the bigger stuff it is sometimes hard to realise that we are still doing DFW stuff each and every day! They may be small…
-
how much have/will you spend tues 24th???
good morning darling dfw's....or should that still be good night???? off to work in a mo but weirdly am on the ball, got up earlier for a shower and got 15mins spare:confused: so thought I'd get this an early start today :D I was originally going to go for a nsd today to kick off my nsd....but then realised that my dad is…
-
Let's have a bit of fun - what should I do?
-
expensive haircut
-
Naievity in reclaiming bank charges
-
Newbie require help
Hi everyone, after spending a few days reading all the posts on here, i conclude that this seems the place for me ! So here we go, Income £1500 +/- 100 (Overtime) Not regular. Credit Card 1 Lloyds 14500. max 15k 310pcm 1.277 purchases 2.075 cash Credit Card 2 MBNA 1900 max 3000 72pcm Not Sure APR Secured loan Firstplus…
-
In deep trouble
Hi, I am new to this site and I have been reading all the great tips and hope you kind people would look at my situation. I lost my job in december and have found it suprisingly difficult to find another one, I have depleted my savings and am about to go into debt. My SOA: (per month) Income: Jobseekers: £256.31…
-
Help Please
My mum applied for a loan today but was rejected to something on her credit file, after checking with experian it showed that she had late payments on her credit card (capital one - boo!) The situation was that my step dad pasted away just before Christmas and my mum went onto statutory sick pay, she contacted capital one…
-
Settling an IVA early??
My husband is currently in an IVA and has another 2 1/2 years left to run (out of 5 years) and currently pays £460 per month and has done since the start (December 04). Has anyone ever settled their IVA early? If so, how did you go about it and what did you offer? Did you go through a 3rd party? Or is there a template…
-
money/calculations/interest wizz needed please
long story short... my brother used my credit card and i have given him a month before i start adding interest... but i payed this card off :p so i have all the figures but no way of knowing interest/minamum payments (as he wants to do it this way ~ he will never learn) so can you wonder wizz's please do all the…
-
Please Help With Advice - Outstanding Mortgage Debt After Repossesion
When my marriage ended 10 years ago our house was repossesed by Halifax. They have sold house at the loss of £ 16.000. They are now after all these years pursuing only me for debt and not my wife and it was her who insisted when we went to court that the house gets repossesed while I was trying to agree solution to pay…
-
Just Want To Say Hi To everyone On Here
Hi, I'm a newbie, just found this great looking site by accident & had to register. I'm in serious debt, gradually slipped 55k into debt whilst married. didn't think things were anywhere near as bad as they were until we split up & most of the debt was in my name. I'm on my second month of a DMP with CCCS who, seem great.…
-
Has anybody seen the Frugals?!
Hi, I've been reading the Frugals 365 day challenge with interest, but haven't checked the forums for a while and now can't find them anywhere! Has anyone seen them?!
-
Deepindebt...anywayout....!!
Hi guys an gals , am new to this site and was just wondering if i could learn from the wealth of knowledge that seems to abound around these here boards...:D I owe approx 58,000 pounds on credit cards, and am stretched to the limit making minimum repayments , including borrowing off one card to pay another etc so my debts…
-
Welcome car finance
Anyone any experience? What do you think? Any pitfalls to the way they do their business, (other than high interest rates). And why do they not price up their cars?
-
Interest rate to APR
Can someone help me with an interest calculation. If I'm paying interest at 10% on £8,000 over 48 months (not 10% APR) then what will I be repaying total and what would the equivilent APR rate be? Thanks
-
debt advice please
A friend of mine has about £7000 on a credit card, she has just finished paying off a loan for other credit card debts and wanted to get another loan from the same people but has been refused despite having missed no payments, has anyone got any idea what she could do next please? she dosent work as cares for her disabled…
