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Friday 2/5/08 What small dfw things have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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I keep falling off the wagon, how do you stop the cycle?
I have lightbulb moments with alarming regularity. At least once a year. And although I'm careful for a while and manage to pay off a bit, I find myself back to my old spending habits with my head in the sand a few months later. My debt is going down, just not as quickly as it could because I'm such an ostrich. I pay a bit…
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Daily Chat: 2nd May .. FRIDAY!!
:j Its FRIDAY!!! And it looks like it might be quite sunny today, so i have a skirt on for work (my legs need some sunlight! :rotfl:) Thinking today is going to be very busy at work as 1 of my bosses has been out of the office for 2 days! I bet he comes in ladden with stuff..does he not know Fridays are for chilling out!…
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SOA to Creditors, No reply
Hi, I posted my SOA to all of my Creditors Thursday last week and as yet have had no reply from any of them. I explained out current situation and offered to make token payment to each one while we are getting help from CCCS. I was expecting the letters and phone calls to start asap afterwards, but so far zilch. Dont get…
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New Bank or Not?
Hi Everyone, I've been meandering around the Boards for a little while but haven't really gotten involved until recently. As you can see in my Sig I'm about £35k in Debt with various Banks all over the Place (Natwest, HSBC and Barclays to name but a few). And I currently bank with Barclays. Now, I DO owe money to Barclays…
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Last Person To Post On This Thread Wins!!!
Before I die, I'd like to win the "person who started the longest running internet forum post ever" And I think this may be it.
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The lovely Tine is Getting Married Next week
I hope you don't mind Tine, :A Please let me be one of the first to congratulate you on your wedding.:beer: I think you do a marvellous job on these boards, for Us, Martin and the rest of MSE. Well done and here's to a long and happy marriage. BOB XXX THREE CHEERS...HIP HIP HOOORAY:j _party_ HIP HIP HOORAY :dance: HIP HIP…
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Free Swim with Kelloggs
Apologies if this is would be better on the freebies board. kelloggs are now replacing their 2 for 1 zoo offer (so if you're still saving you need to get in quick) with a new offer for a free swim. its better too in that it isnt a 2 for 1 deal it is simply a voucher which you present at the pool for free entry and it isnt…
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Is it essential for all information to be correct?
With regards to your credit files, and various applications etc is it essential ALL information corresponds? I know it is essential date of Birth etc is correct - but what about time at address?? Obviously with the first few years, then it is essential, but what about after living at the same address for over 20 years? Is…
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helllllllllllp
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ £835.69 Partners monthly income after tax....... 0 Benefits................................ £642.74 Other income............................ 0 Total monthly income.................... £1478.43 Monthly Expense…
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store card payments etc
Hi guys, been sorting out payments to store / credit cards some are happy with the minimum £1 and income and expenditure details sent and some are saying payments not enough and want a income and expenditure report from citizens advice? I managed to get some extra cash from working overtime - should I just split this…
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Tired of being afraid
Hi, this is my first post but I have been a lurker for a while now and I have found this site and the people on it so friendly and helpful, so I decided to be brave and make my first ever post as I would appreciate some help and advice. Basically I have been in debt my whole adult life, culminating in the day I added it…
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Help Me!!!
Hi all a bit of background.....I'm 21 years old and in around 17k's worth of debt, idiocy being young and stupid are all factors of my problem. I owe 8k to a loan, 8k on a car and 1000 on my tele. I need to be debt free i'm scared of loosing everything i have got. My mum has got cancer and is unable to work, I cant even…
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Assistance needed
Has anyone got an address for Capital One all I have found is a phone number but I need an address as I am trying to reclaiming fees from an old credit card account :grin:
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Final Settlement
Sorry, pasted this on the bankruptcy board in error. Having a blonde moment! Hope the link worked as I am rubbish with technology! Any advice appreciated (apart from the fact that I need a brain cell!) http://forums.moneysavingexpert.com/showthread.html?t=893249
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Default advice.... Lowells Cap One
Hi I am totally new to your site.... I have been lurking for some time...and the advice received on a number of issues has been invaluable to date so Thank YOU !! I have a couple of issues..... I have a default as shown and edited below which seems to be really messing up my credit score and comes from a Cap One card when…
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need help !!!
help !!! I am currently filling out my form for cccs regarding all my debts - no I should say our debts ! well what it is some of the os balances dont match my statements some a little more and unbelievably some alot less well a couple anyway , what i need to know is do I change figure or just send cccs the statements for…
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Attachement of Earnings
We had a debit of £449 due to Essex and Suffolk Water, which was with their debt collection agency, this then went to court we got a CCJ and we were paying £50 a month, we filled out an attachement of earnings form because we were late paying once month, and asked for it to be suspended which it was. Anyway in February…
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Snowball Calculator
Evening All, Does anybody know what's happened to the snowball calculator, I tried to get onto the website before & all that came up was HTML code & error messages. :confused: :confused: :confused: :confused:
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Getting My Act Together Diary
As I said last night in the thread about what we were planning to do in May, I am starting my online diary. However, two of the three pre-schoolers in my house have decided bedtime is for other people and so they will probably be charging round till goodness knows when.:mad: But as I have now started a thread I have to…
