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Lets get the Friday night party started
Its Friday whoooo hooooo so here's a drink :beer: for anyone that wants to join me
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Updated SOA
Just been informed tonight my partner finally has a job yey. Luckily we have not gotten into arrears with anything due to him grabbing as much temp work as poss which hasnt been much. Thought i would post an updated soa for you to review and so i dont loose focus now i have a steady flow of money. If anyone could help me…
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Just how good to you ARE credit companies?
I'm looking at the latest balance on my credit card and the minimum repayment is £70... not bad, I can just about afford that, but when the interest is £65 its just not fair :( I know a lot of people who have a DMP have had their interest frozen on their accounts. How easy is it for someone not in a DMP to do this? I want…
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Dont know where to turn!!
Hi, not sure if I am putting this in the right place but(have put on mortgage forum as well)..... Cut a long long story short, my now EX left a year ago and I stayed in the house.We are now divorced but still to sort the house out.It has gone to court(2nd hearing on Mon) and he has got 40% of the house to which a charge…
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Help!!!!!!!!!!!!!!!!!!!
I need help. I was a little stupid when I was younger and got loads of debts with mixture of credit cards and loans. I always got the loan to pay off the other loan and the credit cards but then I spent on the cards again. In 2006 it got too much and I wasn't earning enough to pay for all my loans, rent, utilities and…
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Anyone know how the new signatures actually work or successfully revised one?
I've tried to update my sig today, and can't get it to change! I know there has been a lot of debate elsewhere on the site about whether or not they should change, and don't want to get into that here as well, but just wondering if anyone can offer practical advice? (I know it's a very minor thing, but I can't be the only…
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Start my new job on Monday-----getting nervous!!
As some of you might remember I got offered a part time job at a local clothes shopI havent worked for several years(I was a SAHM for years) and we have just moved house.I decided that at 43 and with hopefully many working years left I needed to find something for me----obviously i need the money but also for my sanity as…
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Yey 'Bye January' Friday Night Party
Hi absolutely everyone, just wondered if you fancy joining meself and a couple of hundred :D friends for a gathering. Glad January is done, yey, see ya next year January. Been a long month, glad it done.;) So it's friday night and time to raise a glass of whatever you like and say PARTYYYYYYYYYYYYY TIIIMMMMMMMMEE :beer:…
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How to stop spending
I am debt free apart from the mortgage, and we are doing ok moneywise. I am out of my overdraft (just) and hubby is now working. (we have shared money) I keep a track of our finances with a spreadsheet, and every month we end up spending about £400 :eek: we dont go out shopping every weekend, our social life is very…
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**Amy**'s Debt Free Diary!
Hi Everyone Thought it would be a good idea to do my own diary on here, mainly to keep myself motivated! Well as you can see from my signature my debt is slowly going down, and I have worked out I should be debt free around May 2009, however i really want to be debt free by the end of 2008, so i can do the new year, new…
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Can anyone advise please?
I have a student loan for £3500 ish. I do not earn over £15,000 so nothing is being taken out so far. My choices are as follows... 1 Pay them back in dribs and drabs as and when I can afford it. 2 Wait till I earn over £15,000 and they will take some automatically. 3 Put the money in dribs and drabs into the CICIS (or…
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Am I in debt crisis yet?
Hi all After a few ignorant months, i'm back i have managed not to reduce my debt and have instead racked up another £2000. Not only am i dissapointed in myself but i really have got to sort this out. I have 4 debts Loan with Egg £10891 7.9% with facility to over pay finishes Jan 2012 CC1 Barclaycard £4031.51 0% runs out…
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Am I in debt crisis yet?
Hi all After a few ignorant months, i'm back i have managed not to reduce my debt and have instead racked up another £2000. Not only am i dissapointed in myself but i really have got to sort this out. I have 4 debts Loan with Egg £10891 7.9% with facility to over pay finishes Jan 2012 CC1 Barclaycard £4031.51 0% runs out…
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worried!
Has anybody ever recieved a post card which says i confirm that i will be calling on....(day) if inconvenient please telephone (phone no) quoting the reference number on the address side of this card. Do you know if this is a way of getting me to phone them....i'm really worried someone is going to come around ! Don't…
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Think I have managed to cut interest
I thought I was stuck paying 14-19% interest (called them all but wouldn't lower it)but have just managed to get a life of balance at 6,9% for £5k of debt, another part (3k) I can get now at 6% for 5 months. I know it's not 0% but it is a reduction which will make a big saving. I am so grateful to this forum (and Martin of…
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Whats the best thing to do?
Hi folks though this is nothing to do with our debt, some advice would be most welcome, about 3 years ago my brother lost his job, had his house broken into, neighbours threatening him etc etc (most of which i must admit was his own fault) at that time he was in a lot of debt and there were CT baliffs knocking at his door,…
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Rant!! 6yrs of sub prime 'leprosy'
Grrrr.... I'm usually a very optimistic person but am getting sick of being 2nd class citizen!!! :mad: I have problems on my credit report, mostly due to the very unexpected & early death of my ex partner resulting in late payments:embarasse . Despite 2yrs of meticulously ensuring no late payments, never having a ccj or…
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courts...
Hubby is expected to go to our local court,as Nationwide want the full amount for a c/c debt which he isn't disputing. Never been to court what do we need to take what will happen. CQ
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what should I pay off first?
Hi all, I have some savings that I want to use to pay off some credit card and bank overdraft debts but I'm unsure on what to pay off first. I would really appreciate your opinions on a suitable strategy. I have £4841 to spend on: Current a/c O/D £1800 (apr 18.36% Natwest) Current a/c O/D £1000 (meant to be house account!…
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Having a bad day
Is this the right place to express my exasperation/despair about money, debt, jobs, renting etc.?:confused: Put a post on the house board but think i'll move it over as its not just about housing. Thanks Phirefly for the suggestion.
