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council tax avoidance
Hi all. I live in Scotland and have recently split with my partner who left me with a list of debt that she took out in my name. One of which is council tax, both our names are on this but my wages were arrested and I had a payment plan set up with a DCA which I have been paying alone. The DCA has said that they have…
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60th Birthday 'BIG' holiday in November
Not even sure that I am posting in the right forum but here go's. I am 60 in November and will get a pension and lump sum, both small, from the Civil Service. I want to go on a touring holiday to Vietnam, Cambodia and Thailand and this will cost me about £3,500. The lump sum will cover the cost with a couple of thousand…
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£10500 dmp
I’m 19 and I’ve managed to get myself into quite a lot of debt. I recently contacted PayPlan and have set up a DMP. I work part time as I’m a student. I do 25 hours a week and have to go into university 3 days a week. My income is roughly £850 a month so I’ll be paying £125 a month to the DMP. There are 7 creditors, some…
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Asking for a friend...
Hey 👋 So, here goes, my friend is in a situation. Previously, through bad choices and lifestyle racked up 30+k debt, aged 24. As a home owner, remortgaged, used equity and cleared some hefty loans, of which were costing 700 a month in repayments. Fast forward two years it appears they still have £8,200 of debt as follows -…
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Buffy Keeps on the Straight and Narrow
Hello, I used to post here loads and loads, I have been debt free since 2011 but I am due dental work (yes finally!) and need glasses and work done on the car, the house and the garden so am going to do a 0% balance transfer if I can time everything right and then work very hard on paying it off. I do have some savings but…
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Lowells
Hi I'm a newbie. Not sure where to post really as struggling to find my way around on mobile phone. Please direct me if I am in the wrong place. I've had numerous letters from Lo wells regarding what I believe is a very old Orange mobile phone bill. I am sure it's over 6 years old and I am pretty certain I have never paid…
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Decisions decisions...
So, I have paid off £38000 worth of debt, slowly but surely :T I have one credit card left which is set at 0% interest for the duration of the debt. I owe £1350 on this card, paying £30 a month. It's up to date. I am itching to start saving just to get some cash behind me - I do have access to £5000 on credit card for…
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Missed DMP Payment - PayPlan
I missed my DMP payment this month due to various unexpected expenses. I’m just wondering what will happen now? I’m really scared and anxious that PayPlan will cancel my DMP or creditors will take me to court. I’ve emailed PayPlan to explain and offered to make a £10 token payment (£1 per creditor), I usually pay £126 a…
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Young, free and simply stupid; MrCF takes control!
Hi everyone. Think it's my first post on here. Joined up the other day after having a real look at my finances. I've been a long time lurker but thought why not let's soo what joining can help with. I'm hoping this diary can help me save money and get rid of my debt at the same time. It's a saving novel because I read a…
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On my way to a better place...
Hello everyone I am starting my journey, clearing my debts along the way and finding the person I used to be before I became weighed down with money worries, let alone the stresses of everyday life – family, work, health, the list goes on…. Stepchange have been assisting with me with my debts for the last 10 months or so,…
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Let's try this again...
Started a diary a couple of years ago but then came off MSE. Managed to remember my log in details a few weeks back and have been lurking reading other DFD which has prompted me to start a fresh to hopefully clear off what we owe. We currently have the following debts: CC1- 568.35 0% until March CC2-3055.19 0% until March…
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21 days of pain - AGAIN!!
Hiya - I successfully did this challenge near the end of last year and intended to continue it into the next month using £1 less per day at £9 and then £8 per day the following month etc until I found a level I couldn't reduce any further. Unfortunately life, a poorly cat, Christmas, then a poorly husband took over and I…
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2019 to be my year
hi everyone, Even though I've signed up to MSE just over a year ago, it's only this last week or so I've been more active on the forums (even if it's just read them most of the time lol) So my goal is to reduce/remove my credit card debit of £4180 and increase my saving for a deposit to get back on the property ladder…
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Debt Free by December 2017
I have been lurking on here for a while and decided to start my own debt free diary! We had to buy a new car last year and along with various other circumstances (broken boiler, sick cat, bathroom with tiles falling off and broken shower), we are currently repaying our debt. The amount stands at £6750.02 and I would like…
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16,074.43 Wrong Decisions
Hi All, Thought i would post my debt free diary on here as I see a lot of support and advise from others and maybe get the same advice about my issue. firstly sorry for my spelling but i have dyslexia and struggle with texting let alone making a story :rotfl: Now my story only started about 3-4 years ago as i never had any…
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Blogging my journey
I know that the whole idea of this forum is to track my journey through my debt. What I want to do us write a blog on how i am getting on. Has anyone any idea on good blogging sites that i can use? I have a new twitter feed for this as well. Thanks in advance
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Starting Over
Hi Decided that enough is enough. I need to come over from the "Dark Side" and try to act like an adult.;) I have spend my lunchtime setting up a new email address (not linked to my name) and an account on here and now I have no time left to look on the forums. ;-( Very quickly, I have recently transferred my debt onto a…
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Mulchy Murph's Marvellous Musings
Hello all! I am Murph and I have some debt, a mortgage and an allotment (hence the 'mulchy' bit) I’m keeping this diary as a way of documenting how I go at becoming debt free and mortgage free (or at least as reduced as possible!). I have recently bought a little bungalow. Mortgage is high as I wanted it at short as…
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Things have to change...
Hello all I've been a lurker on MSE for years but i'm finally plucking up the courage to start my own diary. I'm 38, working part-time and raising my two daughters aged 13 and 2.5 by myself. Life is a hectic juggling act and this combined with my natural disorganised nature means that I've struggled to keep on top of…
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Homemade, debt free & clutter free - can it be done?!
Hi! I’m a married mum of 2 monkeys (you’d never have guessed...) who has a small(ish) amount of debt, works a few regular hours and some irregular ones and has been lurking on here, following a few people (that sounds dodgy but it’s not!) for a few years... I’ve always loved crafty things - knitting, cardmaking, baking etc…
