-
Wednesday 20/08/08 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…
-
waking up in a nightmare
Hi All, Early this year, March i think, i woke up with a bad back, after 3 days of limping along - i woke up and couldn't move much... My back has gone into some sort of spasm and is not letting go... Anyhoo, the tablets i'm on have ment many hours asleep or feeling right out of it... To this end, i've not been paying…
-
*Daily Chat Thread**20th Aug 2008**
Get on with it you lot!! More painting for me when I get home from work and I have a serious amount of work to do at work so can't see me being on here a lot today. Will dip in to make sure you flyladyying......:rotfl: xxxxx Wednesday warts- Bathroom and Study/Pc Area Level One Clean floors in these rooms Level Two Clean…
-
Barclaycard Problem
Hi, I have a problem with Barclaycard who have just taken a large sum of money from my Barclays Current Account without my knowledge. I have now been left with the situation being that its a over week until I get paid again, and I now have no money for groceries and travelling expenses for work. I have spoken to…
-
Which debt should I pay first?
Ok, I'll try and keep it brief... I'm a student, going in to my final year. Current debts: - £1,400 on Halifax credit card (0% offer runs out in October) - £1,500 of my Natwest student account overdraft (£1,000 student loan will help reduce this next month) - £440 First Direct overdraft (overdraft is 0% on first £250,…
-
what do i do now?
After sending a letter to natwest last month and explaining my situation,today i have been issued with formal notices saying if i do not pay the arrears on my loan or my current account off by the 4th september then further action will be taken against me,i have recently had to drop hours at work due to being ill and…
-
Newbie SOA - Pull it apart
Hi, Still quite new to this site, this is my second day infact and here I am posting my SOA: Things you should no before reading it: 1. I have had my credit file from Experian and can confidently say that I will not be offered any new credit for the next 6 months as least. 2. I am up to the limit on all overdrafts and…
-
At what point is the saving not worth it ?
A lot of these threads are truly inspiring and reallly makes me realise that I need to save more. My question for you, is at what point is the saving not worth the time and effort ? One of my biggest non fixed expenses is my lunch/fruit/snacks at work (£100-£140pm depending on hours). From my point it is a necessary evil…
-
This loan seems like a 'good' solution!! Is it still consilidation?
We owe First Direct just under £11500 on a CC and big overdraft. OD is 12.19% (balance £4950) and CC (£6500) is 17.90%, according to the snowballing they will take 4.5 years to pay off. Currently pay £275 combined to them a month. I have been looking at putting them both onto a loan for 4 years that will cost £285 a month…
-
Can you get a mortgage while on a dmp?
Hi, has anyone got a mortgage while on a dmp? the reason i ask is im paying 600 rent a month which is accounted for in my dmp, just wondered as this could cover a mortgage payment? Thks
-
One thing that puzzles me regarding IVAs
I understand that an IVA is meant to protect assets like your home - but on investigation, you are expected to use your equity to pay into an IVA after 4 years - just how are you meant to do this? Plus, if you have a large amount of equity, then surely your debts are not written off, it becomes more like a charging order…
-
Something you won't be hearing at the CSA Annual Conference
Anybody have any thoughts on this? http://www.youtube.com/watch?v=DnmZhaX3n94&feature=related
-
Help/Advice IVA or Bankruptcy for my Husband, but not me!
Hi all, My husband and I (sounds like the Queen, I know!), run a business, and we work from home. I am S and he is B. We run a really good service, internet based, and we have good clients. B has had major health problems over the last twelve months and has been in hospital several times. I am trying to keep the business…
-
newbie need some advice please
i went on maternity leave 6 months ago, since then I have give birth to a little boy with a serious condition that is requiring monthly surgery and a hell of a lot more care than most babies, because of this my husband has had a lot of unpaid parental leave making things a bit tight, then last month I was made redundant…
-
MY SOA Rip it apart
Hi all this is my new SOA Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 452 Partners monthly income after tax....... 0 Benefits................................ 900 Other income............................ 276 Total monthly income.................... 1628…
-
The Weekly Email
Am I a loser for being excited about it coming out and snapping some offers up!
-
SOA & Advice
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 2700 Partners monthly income after tax....... 0 Benefits................................ 125 Other income............................ 0 Total monthly income.................... 2825 Monthly Expense Details…
-
Got date for creditors meeting
After many months spent on here and deliberating over BR or IVA instead of DMP which I'd been on with Payplan and would take 23 years to pay back....thats if creditors actually all stopped adding interest still.....I actually owe more now than when I started DMP in Feb.,!!.....ANYWAY....decided to go to CCCS for advice and…
-
Tinkabell's Fresh Start...Eek!!
I decided my thread was way too depressing, all whinging and moaning so decided to start afresh. Basically the situation is that i'm a bit of a plank! I've spent on unnecessary things (eg car parking and lunches) and have become chubby and in debt! So i am on a mission to lose a stone and gain about £3k. My debts are made…
-
Wife's share of equity
I have run up big debts gambling,if we were to sell the house this would just about cover the debts,but would the wife share of the house be expected to be put forward to pay my debts or is her share of the house safe?
