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Debt-free wannabe

Archives for December 2018

Wishing you a debt free New Year.
To those of you that cleared their debts in 2018, well done! :beer: To those of you hoping to clear your debts in 2019 - come on, you can do it! It will be the best feeling ever, I promise you. Wishing everyone a Happy & Debt Free New Year!
Skillstrain - Train2Game - Debt/CCJ
Hello, Long story short - When I was a naive 17/18 year old fresh out of high school I joined an 'online course' Train2Game by Sillstrain without doing the research at £130 a month or something stupid. Wised up and thought screw this I'm not paying for this, didn't get what I was promised and I told them so. Think I paid…
Best way to keep track of bills
Hi all, Ok...So I feel like I have tried everything. YNAB, Spreadsheets, EveryDollar, Notepads in my handbag. I am trying to find the perfect way of keeping track of my weekly direct debits, outgoings etc. I can't decide if I want it on paper to hand so that I can keep it updated regularily when I an waiting for children…
urgent help CCJ - Lowell solicitors on behalf of very
my wife has just received a letter which has an issue date of 4th December. were not sure what to do? she's trying to ring the number on the form now. how do we proceed? it mentioned 14 days but the letter has just arrived. also how do we tackle this? we don't have the money to pay the money the claim form says please help
What small DFW things will you do w/c 31st January?
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…
£79k non mortgage debt!!!!
Dear all, I think I'm at my wit's end and desperately need a fresh pair of eyes. Having lost a job due to illness and OH had to quit to look after me, I'm now on the mend and working freelance. He has been job hunting for a few months now. Due to our sudden drop in income 2 years ago, we got into a foolish debt spiral…
Debt, housing, mental illness, low pay
Hi, I am 43, with 1 child. I live in a house work 280k with a mortgage of about 145k. Both are in my ex husbands name. I pay the mortgage £790 pcm This arrangement bailed me out when my relationship broke down 3 years ago. We get on ok. I had a diagnosis of bipolar type 14 years ago and I I haven’t told him. I haven’t…
Urgently need advice. Considering suicide :(
Following serious mental health issues that have had me in and out of hospital for the past year, I fell into serious rental arrears. My partner left me facing the entire rent alone and without an income. Fast-forward.... I was just starting to get back on my feet in terms of my health. Moved into a new, affordable…
What Happens to Debt After You Die?
Hi guys, This question is mainly based at the mortgage Debt I have. So in the last few years, i have got rid of nearly all my debt. My student loan is the only remaining Debt i have. Now as i am in a good position, i have seen good investment opportunity. But this will mean at least for next 5 years I will continue to be…
Advice on large debts please
Hi everyone, I just wondered if someone might be able to give me some advice on what I can do please. Five years ago my husband left very suddenly and completely out of the blue leaving me with my two daughters who were six and three. Over the last few years I have not been as careful with money as I should have been and…
Mental health admission direct debits and no income
Sorry if this is in the wrong part of the forum. I will be going to the doctors tomorrow to talk about my mental health. I don't want to detail the issue here however I am fairly sure based on experiences with friends that I may be put under the mental health act and therefore admitted to hospital. My concern is how my…
Debt payments vs upcoming expenses
Hi all, LBM has well and truly happened! :eek: and the following days will be spent on sorting out our budget/plan of action/cc repayments etc. I am feeling a little overwhelmed with everything, so taking baby steps and sorting a bit each day. But I have a question that probably has a simple answer staring me in the face -…
Self managed DMP
Hi I am trying to help a family member out who is on the verge of going into a DMP due to a relationship breakdown and now only 1 wage coming in. She has also applied for universal credit. I have advised her to speak to Step Change, however they can’t help her at the moment as she is caught in the universal credit…
Help with old debts
Hi can anyone offer advice. Not posted before. I was in a DMP for quite a few years with Money Debt & Credit. They ceased trading as a DMP and suggested using a solicitor to investigate whether my outstanding debts were enforceable or not. Those that were provided proof apart from idem and PRG. PRG had issued a default in…
I am an idiot top tips to clear debt please
Hi, Im 47 and need to sort my life out! I will do whatever this takes. Can you please give me your top tips for clearing debt. (I have about £28k worth :eek: I am going to ask my boss for more hours. Hubby is self employed and is paid irregularly which is a pain when budgetting. I am cutting corners such as meal planning,…
Full and final settlement offers
Hi guys, I currently have just over £5,000 in debt and have been paying £150 per month through Stepchange (a DMP) for around 18 months. In November I sent letters to 2 of my creditors/debtors (I don't know the correct word) with £1 attached as a CCA request (think this is what it's called). I had responses from both of the…
Beginning my DMP journey....
Hope everyone has had a very Merry Christmas I’m so pleased with myself. I rang Stepchange on Thursday 20th Dec, locked myself away and spoke to advisor for an hour! We went through all the figures, set out budget with everything covered and now I am in the process of setting up a DMP. I have just emailed back the…
Can I trust Stepchange's recommendation for deby repayment
Hello, I managed to accrue a debt of ~£55000 before I realised it was no longer manageable! I worked with StepChange in the Summer and received great service. Their recommendation was to enter in to a DMP. After the number crunching it was decided I have £313 per month to pay in to the DMP, which is just about manageable,…
Worrying over debt...again.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1586 Partners monthly income after tax....... 1000…
Help with capquest and credit file
Hi I would be really grateful if someone could give me some advise on this :) I have a really old debt with capquest that I have been paying off at £10 a month for several years now- the account with capquest was opened November 2011 and I have been paying them ever since. This account is shown as a credit card on my…

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MSE News

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