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How much have/will you spend and sunday to friday challenge - 15th april
good afternoon guys :) well this has felt like SUCH a long week, thought it would never end, wish the weekend felt like that too!!! Here's last weeks challenge amounts, I was slightly overbudget this week, but it was through money I found at work/got from a friend so as I didn't take any cash out the machine which was my…
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Help needed please to stop me sinking
Can anyone out there please help as I’m sinking so fast my head is spinning. I don’t want to lose my house but am scared silly that we might. Our monthly income and outgoings, with some information, is as follows Re-mortgaged November 06 Interest only repayments of £652.80 Secured loan (I know!) May 05 of £29,982.50…
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UK Debt From Abroad - options?
Hi - new to the forum and hoping someone can help. Over a fair few years whilst I was living in the uk, for one reason or another I ran up a load of personal debt. I moved out about 9 months ago to work in gibraltar and I live over the border in spain. Debts are as folws: Egg loan - £10.6k remaining @ 6.9% (was 18k) paying…
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In debt and scared
Been in debt for quite sometime, went throught he stage of burrying my head in the sand, then instructed a debt management company to help me sort stuff out, and paying £150 a month to them still to share between my creditors, now the creditors seem to think they no longer accept my payment offers and some threatening…
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Can anybody help me please??
Hi Everyone, im 21 & truly fed up with myself, i have a good job but i cannot ever see a way out of debt. I get paid, pay my bills and have a tiny amount left which is all my own fault i know, My SOA (i think thats what you call it) is as follows: Wages £895 approx per month Outgoings: £200 - rent to my parents £164 - loan…
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ivas and mortgages please help
hi, I've been in an iva now for one year, and i must admit its been great no real worries like before anymore, i moved in with my partner in january of this year, and we are looking at getting a bigger house, however it would mean me having to get a mortgage with him, does anyone have any experience of this with ivas? any…
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The Money Diet
Got this book off https://www.readitswapit.com - great website as I usually have about 3 books on the go at once. Have now finished with it and instead of sending it back into the ether I thought that someone on this board could use it. :T PM me and at the end of today/Monday I'll post who I'll give it to. :j Postage paid…
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Finally facing reality and wanting to be debt free!
Hi Everyone, I've been considering my financial position since moving into a nice new, bigger house with not-so-nice new, bigger mortgage. We orginally intended to use some equity from our previous house to clear our debt, but we couldn't get a big enough mortgage to cover everything. When we worked it out, we *thought*…
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Credit Checks
Not quite sure if this is in the right forum or not so apologies and if not, please can mods move it. Thanks How long do credit checks stay on your file for? I tried to arrange a credit agreement in January, but due to having just moved house (and not yet on electoral register) and had also just changed jobs, the credit…
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15.4.07 what small dfw thing will you do/have you done today?
Good Morning, it is a little early so forgive any typos as I need more :coffee: Let us all know what small steps you are taking, which in turn form the good habits that will help you become debt free that much quicker, and just as importantly, it will enable you to stay that way! These could be things that you might think…
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Free Clicks On Greasypalm And Quidco
Can anyone give me some good tips on how to get these free clicks??
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Need help with debt
A brief explanation of my debt problem I'm currently in about £45000 worth of unsecured debt I took a loan out for £17000 at the start of last year, £4000 overdrawn in the bank ( My limit is £3000 ) , £14000 on Credit Cards and the rest to Family members, at the moment i'm not working due to depression i've not worked full…
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Need help with debt
A brief explanation of my debt problem I'm currently in about £45000 worth of unsecured debt I took a loan out for £17000 at the start of last year, £4000 overdrawn in the bank ( My limit is £3000 ) , £14000 on Credit Cards and the rest to Family members, at the moment i'm not working due to depression i've not worked full…
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Free Credit Check?
I have seen a few 'free' credit score checks available on the internet but they all seem to want card details for membership for once the free trial is over. Are tere any genuinely free ways of checking your credit score? Thanks
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Have i used the whatsthecost.com right??
I would like someone to take a look at what i've done, but can't work out how to get it up on here. So i'll give a few examples, are these right, is this what i do?? Want to make sure i am right, fixed amounts easy obviously, but the 0% for 9mths and credit cards, wanna sure its correct..as i am going to follow this plan..…
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Araghhhh I can't stop unecessary spending - help!!
Right, firstly, I love this site, I've only been on it two weeks but I have really got my act together and sorted out my debt and already cancelled 2 of my 7 CC's. Well done me:j . But, I can't seem to stop myself spending. I popped out today to Primark and some other shops and ended up spending £15!! Now, I know the best…
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Help.......Sinking!
Hi, 1st time poster here!, Please could you help me with some advice, my wife and l have in the past couple of years ran up a £30,000 bil with multiple credit cards and it has just caught up with us. Currently when l look at all the minimum payments it amounts to not far £1,000 per month which we simply cant afford. I am…
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Living TV
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In debt
Hi I am pretty scared of posting to be honest. I have a live-in partner and 3 young dependants (2-7) We have debts of £30,000 between us. It has built up over the years as we have ended up using credit to live. Ou income has dropped since last year and can't see it rising. CCCS have suggested a DMP for 36 years or…
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dmp...how
How long is everybody's DMP gonna last...payplan have said for us is 28 years:eek: how about you ....
