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Debt-free wannabe
Archives for January 2019
Discussion List
Advice before I go too far
Hi all Just want somewhere to rant, gather my thoughts and hopefully get some advice. I rent a flat with my partner in London. We both work, I earn approx 2k every month after tax, and my partner’s income is variable but currently works full time hours bringing in 1.5k per month average after tax. I have a number of debts…
Mortgage shortfall
Hi everyone I wonder if anyone can help me please bit of a long story. I split up from my ex husband back in 2012 due to a really bad relationship where he was an alcoholic and kept loads of financial difficulties secret from me. We also had 2 children aged 10 and 13 at the time, the youngest with severe learning…
Looking for some advice
Deleted post
In search of advice...
Hi everyone, Happy New Year! It’s been a while since I last visited this forum or posted I think. We’ve been steadily away on our DMP since October 2016, and we are due to *hopefully* finish it in august 2019. Some background: we got into a bit of a mess financially as my husband and I have had to support ourselves from a…
Yay me today....
Sooooo I’m exceedingly chuffed with myself today. Sometimes it’s just the smallest of things that make you go phew! I did it! Progress made today is: * opened new bank account (Santander) * opened moneywise credit union account (for EF) * Cancelled overdraft on joint account * Rang barclaycard re: DMP (now on 30 day hold)…
Paying off Debts with Cash- Deduction?
Hi there, hope I have done this right. I am approx in 4k of debt from £1000 down to £150 (7 different debts). I am due to get my private pension in May and was going to pay everything I owe out of it. My question is, have any of you ever had some of the amount written off if paying in cash? I was going to offer each one a…
DMP vs Partial settled
Hi I currently owe £6k on a DMP that has been running for almost 5 years. I want to remortgage but the DMP is obviously causing a few issues with credit score. I am in a position to pay £4400 to all creditors as full and final settlement to which they have all agreed My question is whether there is much impact on my credit…
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National debtline my money steps
Hi, I have filled in I and E on mymoneysteps and am calling them tomorrow to make an appointment to discuss my situation. Does anyone have any advice about them, have used them before, are they free?
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