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newbie
hi i only registered today any tips to get started :(
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Meal planner
I'm sure I saw something mentioned on here wher you could type in your meals and it would do your shopping list or something along those lines to help me budget my food shop better - anyone any ideas? Any help gratefully received!:money:
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Great Big Massive Hugs to YOU ALL
:grouphug: I dont get the time to post on here very often but just felt I wanted to thank you all for inspiring me to pay for both my children's school holidays this year without resorting to credit cards Because of you all and the advice on this site I have managed to save enough money to do this without resorting to…
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Help with Barclays overdraft CCA and Small Claims
Hi everyone May I first apologise if this topic is covered elsewhere or I have posted in the wrong forum there is alot of information on here and I may have missed it. Around 4th of june we sent via recorded delivery a CCA request regarding my fiances overdraft with Barclays. We went on holday on the 8th returning…
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I've Heard
About something ccalled a snowball calculator that tells you when you have paid all your debts of? am i right in thinking that or have i imagined things??
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CCJ's and i need a business account
Hi guys, I am a newbie to some of this but I need some quick help for two issues. Over the last two years I have done what I thought was best to avoid bad credit marks and CCJ’s and bankruptcy, and not claimed dole or state benefits. Guess it was not enough selling my flat in London and relocating to Swindon where it is…
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Ampersand
Hi, For all of you who may have had posts from Ampersand you may have noticed that she has been somewhat quiet recently? Well, she has had to rush to a far flung place to care for a suddenly sick good friend. I had a couple of texts from her initially but heard nothing for the last few weeks until today. She is still…
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Confused over agreement request
Hi, Well after my previous post i sent off a request for my credit agreement to Call Serve on 11/06/08 so the 10+2 days are up this Friday 27/06/08 as I think its twelve working days I have to give them, well today 24th I recived a letter from Debt Managers ltd saying We have requested a copy of the singed agreement and…
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student needs expert help?!
Dear all, I am about to graduate from university, after completing four years of higher education and stumbling with small debt's I have come to the situation where I have £400 owed to one account and £200 owed in another. One is a nationwide flex account and the other is a rbs student account. I am currently only making…
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Bit of advice about my debt
Hi Where to start.... I started a business in about 2004, i went down the Ltd Company route, I got a personal bank loan from HSBC for £8000 and was told I passed the credit check to get a PDQ machine in my shop, but when solicitors and estate agents had finally got me into the shop about 2 months later I got turned down…
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New and Thankful!
Hello everyone! Not sure I'm in right place, but oh well :o I'm brand new to MSE and I am so glad I found it! I have been in debt for years - mainly due to a failed business and a lot of money being stolen - and have just buried my head in the sand. However now after reading this site I feel I am finally able to do…
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Debt Management Agreement
Hi, I have been reading this site for a little while now but this is my first post so please be gentle!! In early 2007 I entered into a Debt Management Agreement with the Citizens Advice Bureau as my debts were completely unmanageable. My wife wasn’t working due to starting a family and to be honest we didn’t adjust our…
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Mary janes VALUE - OOPSIES - REDUCED and BOGOF thread
My mission - stop buying crap that i dont need!:beer: there! its that simple:rotfl: Everything from now on must be either BOGOF, REDUCED, VALUE or HAVE A BIG YELLOW STICKER ON IT. Nothing shall be full price - apart from petrol of course:mad: This not only goes for food but for clothes and other household items too…
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Want to break free of this debt
Where to start? I'm 20 but from the crap I've got through I feel much much older! I'm in debt of about £2000, give or take and have been now for the better part of a year. All started when I got my own flat, things got tight but never so bad that I had to borrow money. I changed jobs as things where on the up and thought…
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Want to break free of this debt
Where to start? I'm 20 but from the crap I've got through I feel much much older! I'm in debt of about £2000, give or take and have been now for the better part of a year. All started when I got my own flat, things got tight but never so bad that I had to borrow money. I changed jobs as things where on the up and thought…
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How will sister's Credit rating affect Parents House?
Hi All, i have just had my mum on the phone in tears as she opened one of my sisters letters which informs that one of her credit card companys is taking legal action. As the debt is in my sisters name will this affect the credit rating of the address and Mum and Dad? Will probably need more help tomorrow as i am going…
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Pay a debt by Xmas 08
Well inspired by Rayday post reminding us Xmas is just 6 months away :mad::D it made me think that if I got my butt in gear I could clear our MBNA card by then. I tried a similar challenge earlier in the year but failed miserably but feel like I am in a better place to deal with it now. Anyone want to join me??:D Members…
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Jimmers Debt Free by December 2008 Diary
I've been reading these forums for months. So much advice & support. I've finally decided to create my own diary. I'm currently in £18k debt. My plan is to have this paid off by the end of this year. I'm paying £621 a month at the moment through a DMP with payplan. They have been really helpful. This would mean being debt…
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F&F's-CCCS or do it alone?
Hi all, Because of my recent serparation from my XOH, I have a chance to become debt free:j :j :j (sad way for it to happen I know) but I was wondering if I should attempt to negotiate F&F's myself or allow CCCS to do it for me? My Debt stands at approx £44k and I have £16k and I would like to TRY and get it all gone with…
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mystery shopper
hi, does anyone know of any good mystery shopping websites? tia
