Debt-free wannabe

Discussion List

• Debt collection/ Faulty item

  Hello Can anyone advise on what happens when an electrical item is ordered from a catalogue and then the outstanding debt is sold on? It's for a dishwasher that is less than a year old that has decided to stop working and the catalogue company sold on the debt as it wasn't being paid to their required amount each month.…

• Anybody else totally dreading Christmas present buying?

  I am. I will have just no spare money for it whatsoever. I am going to have to use my Boots points to buy some presents as it is. Have to say that is a very depressing thought :(

• Eviction notice served

  Hi, don't really know what to say other than my landlord has served an eviction notice on me and the court hearing is tomorrow - I am SO frightened! My twins and I came to live here 18 months ago and since Christmas things have all gone wrong. I was off work for 5 months with stress due to my boss' attitude and another…

• How would you feel if you were 'found out'?

  Just a random thought that came into my head this morning, after talking to MIL last night. She reads the main site all the time (she was the one who told me about Martin) but very rarely comes into the forums, unless its a discussion thread linked from the email.... I was certain that she read the forums, and hence knew…

• Need to buy a Car

  This is hard to explain and I dont know if it will actually make any sense. I have a loan with Egg for £13k at a rate of 7.9% over 4 years for which I pay £369 a month (this was taken out about 4 months ago). I have 12k cash in my bank(not from the loan) to buy a car for work purposes. Ive been looking at some of the main…

• Help Needed ASAP Please!!!!

  Hello, I've got a real problem that is just causing me so much heartache. To put you all in the picture, I've got a business (I'm 20) and it's a shop - has been going well and we are approaching the 2nd year in oct. Unfortunately when we sought advise for the amount of money to loan to start up, business plan in hand; we…

• Please, please advise me on bank account debt

  Hi, I really hope someone can give me some advice, as I'm in a total panic. 4 years ago I moved to Spain with my then boyfriend, now husband. We sold our house in England & bought a property outright here. We now earn enough to get by, but with no savings/spare cash. I left behind a bank current account I had had for about…

• Tips on doing an SOA please!!!

  Hey!! I must do my SOA this coming week.. ...any tips from you lovely people before I do it? I know I'll need a pen, paper, a calculator, all my bits of (money) paper, and maybe some biscuits. Probably a huge pack of tissues as well! :o Anything else you'd reccommend? Just want to be as prepared as I can be! cheers icey :)

• To pension or not to pension?

  just started a new job and have recieved a letter to join a pension scheme - now i know this is a good idea for the future but should I wait until my debts are more manageable? help!:p

• *URGENT* Please help, i think i'm going to loose my home :(

  Hi I have been in rent arrers for a while now and was tooken to court, on 18th june this year the court granted a postponed possesion order on the ground that i pay my rent plus £3 off the arreers. I work part time and my wage fluctuates each week so each week i have to take my wage slip down the council and have my…

• Next Weeks Plan

  Following on from my last post, I made some changes this week which will total about £100 saving. Next week I am going to do the following:- 1) Cancel my mobile phone contract, switch to PAYG. Saving £20 month. 2) Transfer my CC balances onto 0% deals. Savings ????? 3) Compile weekly meal plan, no impulse shopping. Saving…

• I hope this continues

  I posted for the first time on here this week after actually adding up my total debts. Anyone who didn't read my previous posts, it totalled approx £27k. Anyway, 1st week, here are my achievements. 1) Sorted out all my financial paperwork, I now know exactly all the details of the people I am paying. 2) Snowballed for the…

• what have/will you spend sunday 16th sept ~ moozies weekly challange

  last weeks thread ~ http://forums.moneysavingexpert.com/showthread.html?t=547498&highlight=moozie welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s…

• royal bank of scotland, and payplan

  My hubby has been repaying his debts through payplan for the past three years, l realise we could not cope with rising debts, we sorted our debts which lead us to payplan.. things have been going ok. Upto this year.. where my hubby has longterm sick benefit so his benefit still the same etc... Trition rsb, [four times] has…

• Seeking advice...

  Hi After a few months of unsuccessfully trying to bury our heads in the sand (and suffering sleepless nights, tears and health problems as a result) the OH and I have finally had our lightbulb moment 2 days ago and have faced up to the fact that we are now in 'debt crisis'. I lost my part-time job last Christmas (the…

• is the only way up?

  hi all hope you don't mind me posting this, but i feel so alone with my debt problem. Basically i owe a lot of money to just one creditor, a job i was banking on has fallen through, so i am heading for debt crisis. My OH knows nothing about this, and i have not told another sole. I have tried so hard to tell my OH but i…

• 1 debt down....

  & 4 to go. I'm so please I have managed to clear my 1st debt & have 4 more to go. My overdraft, credit card, car & my mortgage (which has a couple of payments missing). I know it's going to take me a while but I'll get there in the end, I'm worried they are going to change my shift patterns so I'll stop doing three 13 hour…

• I fell off the wagon but I'm back.

  I started to sort myself out in August 2006. I paide £2k off my debts in 6 weeks. Then I fell off the wagon. I'm back now but how do I stay focused? Here is my SOA, I think I've done all that I can but we'll see. Monthly Incomings: My salary - £214 Partners salary - £2134 Benefits - £116 Total - £2464 Monthly Outgoings:…

• Surviving

  Hi Everyone, Just a quick update. I'm 6 months into my Maternity Leave and we're surviving on DH's wage and the pitiful statutory SMP. DH is having to do a ridiculous amount of overtime to see us through the winter he works at an airport and he was given a temporary promotion for the summer with wage rise but will probably…

• Are HSBC charging too much interest??

  Are HSBC miscalculating my interest rate? Sorry if this is a bit technical, but I am a bit paranoid about these things! I have a professional studies loan with HSBC. The balance is currently 10,000 exactly. The APR is fixed at 1% above the bank of england base rate, so currently 6.75%. Four times a year (every three…