Debt-free wannabe

Discussion List

• Just want to say thanks

  Hi to all on here This month has been particularly tough and the one before, but each time I read about other people's problems I feel like I am not the only one who is worrying about debt. Have learnt a lot and even though I have about £150 to live on next month after everything once I get paid on Friday, I'll find a way!…

• Help with Credit Agreement

  Hi I'm after some advice regarding a finance agreement that i am trying to settle and pay off and i'm being faced with whopping interest charges. We bought a sofa last august 2006 from Land of Leather, the promotion was 12mths interest free and then 3 yrs @ 30% apr, wasnt really an issue, we were paying the whole thing off…

• What would you do?

  HELP :j Comments or suggestions welcome. Have managed to make overpayments to our mortgage and have reserve of £6k that makes a nice dent in the number of years to repay :A But.. have £6K credit card balance thats just finishing on 0% interest card with another 12month 0% card ready and waiting in the wings. Been paying…

• help!!!!

  I'm finally facing up to my problems. I've been in denial for so long - not opening statments etc... I have two credit cards and I just cant pay the minimum repayments each month. I took the first step tonight by calling the credit card company but they were not interested as my account is not that badly in arrears. I am…

• Help with my situation

  Hi there, My contract job is coming to an end, after nearly 4 years. I'm desperately looking for a new job but feel that contract jobs are drying up in the wake of this new opex/capex law in regards to contractors. The company I've been working for have cut contractors by the ton in the last 2 months and I've heard the…

• 40k of debt monthyl take home pay 1800 per month...

  deleted thank you

• SUPPORT NEEDED: New DFW!

  Hello All. I have been reading through all the forums and am thoroughly addicted to the site and owe it to myself to become debt free but lack the self willingness and support to do it. Honesty is the best policy:j Some Info about me. Age: 21 Job: Graduate Planner Wage: £17.5k Living at Home with Parents Working 10 miles…

• Debt Free Today!!!!! Hope it Inspires You!!!!

  :j :j :j :j :j :j Today, thanks to a rebate from the lovely, lovely taxman :kisses3: , I've paid off my debt of £11,743.10. LBM was last August, and I've had 13 paydays since then, the debt = 40% of my take home pay. So, here's where the money came from, in the hope it will inspire someone: Normal Income8928.63…

• Coolmum's contribution...

  ... to the debt diaries Hi all. Ok - so I've been lurking here for ages and reading all the diaries and other threads. I really need to get myself organised - I've not got a massive amount of debt - but I'm fed up owing money. This is my first step - hoping the motivation will flow!! I will post my soa for all you lovely…

• Fat, forty and flat broke? No thanks!

  After reading so many wonderful online diaries, I thought I'd start one of my own. Well, it will actually start on October 1st as I need a few days to sort myself out and it will also mark exactly seven months till my 40th birthday.:eek: Me? I'm a man, 39, 6'4" tall with dark hair, green eyes and a good sense of....oops,…

• house insurance

  Evening all:j:j:j I'm so happy my buildings and contents insurance are due for renewal on 16th October..so I decided to look around.I started with my own insurers(halifax) who quoted me £575.51 for B/Cs insurance(as even though I'd been claim free for 5 years up until december when I suffered some storm damage)....I…

• Any DFWs in London

  Hello For Christmas I was given a gift of a Conran Dinner voucher from Buy-A-Gift you can look at the link below: http://www.buyagift.co.uk/Product/Id...rience_for_Two The problem being I live in Glasgow and the voucher is to be used in London. I am originally a Londoner and my lovely sister gave me this voucher but…

• Debt Free alternative?

  Hi, I've been doing some research on possible ways to clear my debt since i managed to sort out a solution with my creditors just over a year ago. Through reclaiming charges and making regular payments i've reduced my debt by 20% (just over £5k) which i'm immensly proud of. So please tell me if this sounds just plain wacky…

• Please help.

  Ok, I made a complaint to lloyds about a PPI they sold me which they did not pay out on and even ignored when I tried to use it and even gave me a CCJ for my troubles. As the complaint ended with them literally shrugging their collective shoulders and doing nothing I took the complaint and lloyds admission to the Ombudsmen…

• 50K Debt Help

  Hi, I have finally relaised that I need to sort out my debts, they have now reached £50k. I am not stuggling at the moment to pay (so all upto date) but I can't go on this way and want to get rid of them for good. So working things out I have figured if I could borrow £50k from 2 unsecured loans it would mean that I am…

• Tesco CC rate rises

  Tesco can be a little shy sometimes so I thought I'd clarify their latest CC rate rises as APRs, applicable from your next statement: Purchases: 18.94% APR (up by 5% in real terms) Balance transfers: 20.62% APR Advances: 24.94% APR Hope this little helps.

• What have you/will you spend today, Monday 17th September 2007

  Good afternoon - I looked for Pap/Moozie's thread, but couldn't find it, so I thought I'd start it off today: I didn't expect to be around today, as I was due to go to Yorkshire, but that's been postponed for a day or two, so I suppose I'm in profit, with an unexpected NSD. :undecided :undecided I don't intend to go out at…

• Debt advice worker/ experience

  Dear all I'm hoping some-one might be able to help. I would like to do some work voluntarily giving debt advice. Non of the Citizens Advice Bureau's near me are open during the evening. I work full time so I would have to do this in my spare time. Ideally I would like to get some training but can't find anything on the…

• Help and advice please

  Hi all, my life is in 1 big mess at the moment, not only have I got to cope with the recent bereavment of my father but my debts are mounting up like mad. Hubby and I are are receiving Income Support and Child Benifit for our 3 children. £240 per week Income Support £42.30 pr week child benifit £15 pr wk DLA lower rate…

• working from home????

  Hi guys, after much deliberation with oh and myself:p, and after trawling through the jobs section, i have come to the conclusion that working from home would siut me down to the ground. Im not qualified in anything and at the moment Im working as a chef in a pub but it involves working evenings and weekends. With ds…