-
Wednesday 23rd May - 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
-
Do we have a leg to stand on??
Hi There I am new to this forum so please bare with me. We are due to get married next year so recently have been delving in to our credit files to see how we are rated etc as we plan to buy our own house after the wedding..... My Partner has a default on his account since 2008/early 2009 after he had his phone stolen on a…
-
How did you tell your significant other?
Ok, so today I did our budget, and it was SCARY. We spend waay more than we earn. I'm too scared to post a SOA yet, but trust me, it's bad. There are a few things I think I can do straight away to start saving (switching utilities, moving debts, flogging a load of stuff), but until I can get my family to manage their…
-
re waking 5 year old debt for better credit rating?
done a few hours searching and not really any clearer on what to do, i owe £288 to lowell portfolio for a debt from december 2006, I was made aware of this by a recent credit check i did. my credit score is showing as 801 and apart from this debt my account is managed well. I want to take a car loan out soon and want to…
-
Feeling so low and stressed...
I really don't know what to do. I was doing so well with repaying my debts and now I seem to have gone completely off track! I have my tax due in June, my MOT in July and I know I need two new tyres and my insurance renewal in July as well. On top of that I go on holiday at the end of July which I still need spends for I…
-
I seem to be stuck - no changes :-(
Well as my title says, I don't seem to be making the progress that I expected. But I just don't know what to do to speed things up, how did you/do you all keep motivated???
-
Off Topic
Sorry i deleted as i posted in the wrong forum
-
Setlling Debts
I have a question guys. I'm new to all this but noticed people seemd to be clearing their debts by offering sums of money to companies. How does this affect your credit report? I have never missed a payment on any debt but I'm half tempted to just ring them up and say "look I'll pay off half my debt if we call it quits:j".…
-
I've just paid off a debt!!
I've just called a company I had a debt with and offered them an amount to settle the account... and they accepted!! 3 debts with payment arrangements 1 debt cleared It feels so good hehe!!
-
First NSD Ever today!!!!
Well today was my first ever no spend day (hope this is what nsd means?) It was hard going as had to pop into shop to get something for someone (Not my money) and i didn't buy a single thing :D Very proud of myself indeed. Bad news though hubby has been laid off for the next 2 days so less money coming in this week :(
-
Feeling positive for the 1st time in a long time..
Hi everyone I have been a long time lurker on this site and have finally felt inspired to post, particularly after reading Coco's posts.. I am up to my eyeballs in debt after burying my head in the sand for far too long. The crazy thing is, I am a (semi!) intelligent woman, have a good career and am used to balancing a lot…
-
teaching daughter the value of money
so i am trying to seperate my money out over the days of the week so i can keep to my budget and pay off my debt. I spend alot of money on my 5year old daughter my question is, is it worth me giving her a couple of pound a week to teach her the value of money so she stops moaning at me about buying her things she is one of…
-
Totally fed up !!!!!!!!!!!
I have no money and its my fault for managing it so badly but today my card was declined in the corner shop and I am so angry with myself. I thought I had a few pounds left but turns out something I bought a few days back hadnt cleared yet when I calculated my balance and by the time I got to the shop it had been taken and…
-
Creditors have not settled paid accounts on my credit file
Hello, In November I settled all of my outstanding debts with the help of my partner and two creditors, Safe Loans and MEM Consumer finance, still have not settled my accounts, despite me paying them over six months ago. The one for MEM is particularly damaging as it keeps showing me as late payments. I have emailed and…
-
We've begun - wish us luck!
Good Afternoon All, well this afternoon I have taken a couple of hours off work to work out our SOA (please see below), I have downloaded the "Budget Planner" and have copied it onto A3 paper so that I can put it up on the fridge to remind us everyday!! I have had a few LBM's, but the last year has been a struggle and this…
-
Do Creation Finance ever play ball when it come to DMP?
I recently contacted Payplan re setting up a DMP... however over the weekend I have read a LOT re my main creditor (19K) Creation finance have 3 loans and 3 credit cards with them :( stories scared me so much re Creations lack of any help and bullying tactics I have put off starting the DMP..... does anyone have ANY mildly…
-
Advice on what to do with my money!
Hi guys and gals, not posted properly on here for a few weeks- been mad saving and doing far too much work, but have been reading how everyone is getting on! Right, I have managed to save £1500 in a couple of months and want you advice on what I should do with it. I have a few options and can't decide which one to go for.…
-
My debt aims
Hi everyone, I'm currently trying to clear some niggling debt I've had hanging over me. Overdraft: £1000 Bank of Scotland, Ultimate Reward account. Pay £12 a month for this account, don't use any of the "benefits" and £1 per day that my account is more than £300 OD. H.B.O.S. Credit Card. £950 debt. Also pay PPI on this,…
-
Made the call to CCCS but now scared to post back papers
Hi all Finally made the call to CCCS to get my debts sorted. I got the papers through today but I am scared to send them back. I know it has to be done or the debts will never go away but not sure how to deal with the calls I am am expecting from the creditors, any advice from people who have started a DMP recently would…
-
Best way to check credit rating?
Hi there :wave: I was wondering the best way to check my credit rating...I have used Experian before but I am unsure if there is another company I can use that won't charge too much or one that I won't get tied into? Thank you.
