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Desperate for Advice
Hello everyone I've made many many bad decision which have left me with a mountain of debt. Collectively, I'm looking at over 100k and that doesn't include my mortgage. I am desperate to try to set things right, but I can't image where to start. I've not reached a point where I am defaulting on payments, but my outgoings…
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Advice for a new guy please
Hello all I presently have 3 houses which I let I also have 4 credit cards with a total balance oweing of approx £20,000 and right now I manage to keep up with minimum payments and a little more, but not a lot to make a real difference I have also made a few late payments on these cards around 6 months ago but since then…
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FAO of Herbie21
Hi Herbie, Sorry I know you are extremely busy and I hate to be a bother but please can you clear your in box. Many, many thanks.
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My Money Saving Diary
I don't have a massive debt, but it's there and i'm currently unemployed, living on JSA and my overdraft. This diary is to motivate me and keep track of whatever positive money saving things I do. Positive Stuff: * 2 washes with soapnuts, put on drier * £10 made from craft fair, put in treat jar * £12.99 - coat sold on…
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I Need Help!!
1. I'm pretty much ignoring £15,000 worth of debt 2. I have HP on a car in which I am not ignoring 3. I don't want to ignore it anymore 4. HELP! I need to know what is best for me! Im now in a position I can repay most of my debt in the original agreement (no credit cards.. just P.loans and other bits) What should I do?…
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Please can someone give me some advice!
Hi All! Might as well start from the beginging with this so you know where I stand! Im 20, and still living at home with my folks...and in a little bit of debt, well ALOT! I've very stupidly got a car on finanace, dont get me wrong, I love the car....but its costing me alot each month. £210 for the finanace payments and…
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Paid off 1 store card :) Suze's diary (New)
I paid of my New Look store card in full yesterday. It was only 240pounds, however i am so proud of myself for facing up to my debts and taking a step towards paying off the rest of my debts. I hope to be (almost) debt free by April 2009, the month my partner and I have been together for 2 years. We are hoping to buy a…
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selling assets before a bailiff can take away
I was declared bankrupt this year and I thought this was the end of my issues with bailiffs and creditors. Since I have had a bailiff company visiting me on a regular basis but it seems different bailiffs have taken my case. The debt is for unpaid council tax which the council gained a liability order before I was…
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Mortgage rate change
Does anyone know/been informed by Birmingham Midshire if/when their mortgage rate will reflect the B of E's intrest cut last month. Have a mortgage with them and have asked several times but have been told they don't know. Just wondering as news reported that Halifax was passing on full rate cut and BM are part of that…
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Please help - I'm literally paying to work!
Dear All, I suspected my situation was bad - but now I know just how much bad (see below). :o I'm doing a job in London as there isn't much employment where I live (the idea being to try to get my career back on track..), but it only pays £8.50 ph for 26 hours a week. The wages in the grid are really an estimate, as I…
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can anyone tell me how much i will get paid?
hi everyone i am starting a new job and need to know how much i will get paid! i will be working 27.5 hrs per week in a school and the wage is £11577.00 pro rata per annum i will work 38 weeks per year.can anyone tell me how to work out my monthly pay?thank you
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does this look right
ok, i dont know the apr% etc on OH's debts but ive done a SOA so i can check the amount spare for the letter below. Does this look ok? Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1000 Partners monthly income after tax....... 850…
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so why do I have nothing at the end of the month??
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1400 Partners monthly income after tax....... 0 Benefits................................ 246 Other income............................ 0 Total monthly income.................... 1646 Monthly Expense Details…
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any help really appreciated
<===== Copy and paste EVERYTHING below this line into your MSE post =====> Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1553 Partners monthly income after tax....... 914 Benefits................................ 40.62 Other income............................…
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Pap & Moozies what have/will you spend Sunday 2nd November
Morning all Aiming for a NSD today. I may pop out for a walk on the beach and to the library to get some books out this afternoon, then snuggle in to watch the grand prix later. Have a good day x
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How much do I ask for?
Im on my DMP now with CCCS and although Im still getting nasty letters and outstanding arrears statements from some of my creditors, all seems fairly calm. My daughter, who lives in a rented flat with her fiance is also feeling the pinch from the credit crunch. They both work but cant seem to make ends meet with their…
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Another tale of woe
Hi everyone. Although i am not exactly new to the forum, this is my first big post / request for advice. My wife and i have been struggling for a while now, and this month things have hit rock bottom for us. We were paid 3 days ago, and already the available balance for us at our bank is 0.00. I have included a SoA at the…
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***Daily Chat Nov 2nd, 2008***
Morning, Well, will all the best of intentions, went to bed for wee bit of loooovin':o and me and DH promptly fell asleep. I had 3 large Fuzzy Navels and DH had 5 Hobgoblins (ales, nothing rude!) and well, booooooring!:rolleyes: So, I am hangover free, which is nice because I am working today but a bit narked off I'm such…
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Sunday 2/11/08 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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Iva Posible If Debts With Dca?
Hi Can Anyone Tell Me If Debts Are With Dca's Can I Enter In To A Iva Or Not? Thankyou.
