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Hi, We're new here!
Hi, Been lurking here for a while but now my husband and I have decided to join and finally have had our LBM! We really need some help, which I will explan in a moment, but we have also realised that if we want to stop repeating the mistakes our parents made with money and finally start a family of our own (I am nearly 30…
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Debt Free by Dec 2009
Right. I have roughly 7Grand to pay off.. Nearly 2 grand to my grandmother but doesn't make it any less important. So to pay £7000 in 11 months (Can't count January, moving flat and a holiday so really its not like I can afford to :( ) Now that equates to over £600 per month. Is a lot really! HOWEVER My basic SOA is…
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Please delete
Thank you :A
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What to do with a "windfall"?
I have been given £2000, but I'm not sure what to do with it. I have £7k of debt which is currently on interest free payment plans with the companies I owe. I contribute £75 per month towards these. These will take approx. 9 more years to clear at this rate. I am on Incapacity Benefit and will be for at least another 2…
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The DFW Celebrate Christmas for Free in 2009 Challenge
This is a continuation of the 2008 thread whereby several people decided to see if it would be possible to have a "Free" Christmas. It probably feels as if Christmas isn't really over yet but it doesn't hurt to start planning early, especially as some things can be picked up quite cheaply in the sales. On a personal level…
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Determined to be debt free!
According to your SOA, you have £700 left each month which is a huge amount and could go towards cutting your debts quite quickly. However, you seem to have missed somethings out. You have nothing for groceries, surely you feed yourself? There should be something there. Also you have included car insurance but nothing for…
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Determined to be debt free!
Hi, I'm not really sure where to start but I have been reading through some of the posts on here and they have really motivated me to nuckle down on the bad financial situation I have got myself into. I am mid 20s and have managed to accumulate a large amount of debt by simply being stupid / extravagent when I really…
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100 Day Challenge Take 2
Hi Everyone:hello: This is a new thread for everyone wanting to join in the next 100 day challenge starting on 1st Jan. Just pick what it is you want to stay away from for the next 100 days and pledge to do it on this thread. Everyone who joined in last time enjoyed it and managed to do really well:D A few quid was saved…
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DFW - First step for me, give up smoking
Hi All, This is my first day writing on the forums. I need to get out of debt ASAP, and for me the first step is giving up smoking. Anybody got any useful tips or anybody care to join me? I plan to start New Years Day and have bought, what I hope is my last packet of twenty. I plan to write a non smoking diary, which will…
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What did we save in 2008?
As I start to think about challenges for the new year, I thought it would be a good idea to review what we've all saved/made in 2008. So I'll begin. I'm sure there's more - but here's the main stuff. Quidco/topcashback - £250 Phone cashback (phones4u) - £440 Postal survey - £100 (in stamps) £24 (in vouchers) Competition…
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I'm Inspired!!!
Evening all Can't tell you what a relief it is to be here. My husband and I have decided to go our separate ways (18yr old nanny may have helped him with that decision:cry: ) and after weeks of emotional nightmares, I finally feel in control. We have £28,000 debt on credit cards and the loan payments are £1500 per month -…
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suffer from depression and in debt
dear all please help , I'm in debt and I really want to get out of debt a.s.p I'm £1,000 in debt , and is on a low income , I have bin think of consolidation but I'm not sure weather or not it's a good idear. I also suffer from depression and with this debt is making it wost , please help :confused: :confused: :confused:
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New Year New Start
Hello all I had my light bulb moment in Aug which was the day I decided to sort my whole life out. This is when the finances came to a head I cant do my SOA at the moment as I dont have figures to hand but lets say it is not good. I have things under control ie I am paying the bills just need some good ideas to make the…
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Can i set up my own DMP?
DHi everyone, do you need to go through a debt company or can i set up my own payments, i want to leave my fee charging debt company, what rights would i have on my own? Thanks, ollie
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Sleepless nights and £11.5k of debt
Well, I was posting on here awhile back with about 10k of debt, christmas comes and goes, as does compulsive spending, car repairs, and home disasters, plumbing etc. My debt has creaped up to £11.5k. I feel sick. I work 23hrs a week, the rest of the time, i`m a mum, I make cakes for craft fayres and have also started doing…
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Student's £100bn overdraft shock
Just a quick Christmas thread to cheer you up - at least none of you have debts this big:
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Oh god..please help
Hello, I recently applied for an egg loan, and was quite shocked to be rejected. Although im only 18, ive got a good job, and a contract phone thats always been paid off, as well as a capital one credit card. I only wanted £1,500, and so when i was rejected i requeted a copy of my credit report from experian. It came…
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Contacting credit card companies & banks regarding repayment problems
I am so pleased I found this website. I have been very upset today because I have finally taken my head out of the sand as I have been made to face up to my problems. Like many people in this country I have found myself in a difficult financial position, in that I cannot afford to pay even the minimum payment on my credit…
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Debt Collectors what are my rights?
Hi there We recently been contacted by Cabot Finance and saying we owe them money from an old Credit card agreement. I requested proof that they owned the debt, old Statements and a Copy of the original agreement. After 50 days of them receiving my letter the info came through however I have a few queries 1: The copy of…
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Debt Free
Hi All, Having been in debt for about 11 years now, I finally became debt free on 23rd December. I have been a lurker on these boards for quite a while now and never posted a diary, but I just wanted to tell someone that I'm now debt free. I've always kept my debts hidden from almost everyone and therefore will probably…
