-
Top Ten Tip for Newbies!
Apart from "don't get in debt" of course I just wondered there are so many challenges and tips on here i was overwhelmed when i first started! what are the little money saving/debt busting things you live and die by? (ok bit dramatic but you know what i mean) thought we could do a top ten! TIPS SO FAR: (ok so more than ten…
-
The DMP of Emily
It feels like I am starting my DFW journey properly now that I am going on a DMP with CCCS so I thought it was time for a new diary. I am still waiting for my pack to come through from CCCS but am hoping that this will appear this week as I am off work and have got the time to read through it properly. CCCS reckon that it…
-
Light Bulb Moment
I am a newbie here and some what embarresed but here goes, things are going wrong financialy we have a poor credit rating and it looks like my job may fold soon my partner is unaware of that at the moment,lets hope it doesnt happen, i guess im have a light bulb momment.Any ideas on where i might save and /or how.:eek:…
-
Energy Saving Lightbulbs 45p!!!
I saw them in Homebase yesterday! they were philips and on a seperate stand to the main shelves where all the others were - i bought a load as they are meant to last 7/8 years and cut your electricity by loads normally they are £3/£4 don't know if this was an error but def worth checking out
-
What's the worst it's got?
I think I'm kind of hitting an all time low, this year (and last) have been pretty bad, I've got divorced, given up trying to sell the marital home and let the ex have it, moved into a flat, realised I can't afford it, and as of last week, moved into a single ensuite room in a shared appartment at the hospital where I…
-
Advise re payment holiday/credit card
Hi, Thinking about taking a mortgage payment holiday for 6 mths in order to clear the credit card, this would add an extra approx £15 to monthly payments. At the moment although the min payment is £25 i pay £100 as the interest free period ends in may 09 but its still going to take 4 years to pay, not sure what it would be…
-
Where can I find a snowball calculator?
I'm looking for a snowball calculator, I've looked at the one on 'Whatsthecost.com' but it only allows you to input the minimum payment as a % of the balance. I've set up standing orders for my cc's, so I want a calculator that will let me put in the balance, then the APR, then the amount I pay per month as £ rather than a…
-
A question re debt recovery agencies
Morning all I have an agreement with three debt agencies to pay ** per month I am a single parent of four children on income support and over the past few months i am finding it hard to find the amount needed to pay them. Am i able to write to them and offer them a smaller repayment and do they have to accept it or can…
-
PaP/Moozie's What will you spend/have you spent today Wedneday 27th August thread
Good morning everybody :hello: :hello: :hello: It's Wednesday, already :eek: :eek: , and the weather is still defying all attempts at being nice. :mad: :mad: It looks as though the only way any of us will enjoy an 'Indian Summer' this year will be if we move to Mumbai. :rolleyes: :rolleyes: In the meantime, and it may or…
-
Yes!
I've just paid £700 onto my Mint card! I feel AMAZING! Han x
-
Wednesday 27/08/08. What small dfw things will you do 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…
-
I'm so excited I just paid off a debt!
I never thought I would get this excited about paying off a debt. I've just got confirmation that my lowest debt (£821) is now clear. :T :j I got an extra Tax Credit payment (I did double check it with TC before i spent it), a refund from BT (I changed suppliers) and my volunteer expenses and chucked them all at it.…
-
**Daily Chat Thread**27th Aug 08**
:o I don't know I meet Bunny and she's now talking about going back to Canada, I wasn't that bad you know:rotfl: Spud - do you know how to mingle on the wii, can you teach me and then we can meet over the wii...with numpty too and bunny when she buys hers - we could have an MSE tournament... Work for me, poorly car is off…
-
Can i do a Balance transfer from my husbands card to one in my name?
Hi, My OH has about 3000 on very high interest cards. i think i will be getting a 0% deal and was wondering if i can transfer his cc debt to my interest free card any replies would help thanks
-
In a real mess :(
Hiya, I'm new to the board and just want to try and get my problems off my chest, so here goes: I have an overdraft of £4000 which I have recently gone over (dreading the bank charge!!),and unsecured debts of over £20000 (2 loans and 4 cards). I'm a homeowner paying a mortgage with no equity in my household. I'm stuggling…
-
IVA's and Northern Rock
I am in severe amounts of debt (about £40,000 of unsecured) and I seriously believe that an IVA is my only way forward. I see from the IVA PDF that 75% of creditors need to agree to this but the majority of my debt (more than 75%) is held by Northern Rock. Does anyone know if their uncertain financial status likely to…
-
Credit File Questions
When you obtain your credit file...and if something is incorrect, how do you go about changing it? Do they contact all the companies involved to amend it or just remove it as per your request? Thanks, Gem
-
Newbie needing credit advice!
Hi all, just joined up in the hope of some advice on the best way to deal with an impending addition to my credit payouts each month. I purchased some computer equipment nearly a year ago, with a 'pay within 12months interest free' - that period is nearly up (beginning of Oct) & i'm trying to avoid paying 3yr credit at…
-
Dont know where to start :(
Ok, A while ago, must be nearly two years ago now I made a post about my financial situation, Well thanks guys for trying to help before and I really need help now :cry: . OK, crooks of it is, since I last posted my marriage broke down for various reasons early last year (entirely my fault) and I have moved away from my…
-
debt 'help' agencies, is this the start of a new breed?
Hi all I am really concerned about a new development on the high street where I live (East London) There is a new shop that has worryingly opened DIRECTLY across the road from the CAB and it is promising to get debts written off, repair credit ratings, reclaim bank charges etc etc. The offerings are the same as all the…
