-
Overwhelmed with stupid debt & in desperate need of advice.
Hello everyone, I posted this originally on Reddit and was recommended to post here too for advice & support. I feel completely overwhelmed and I don't know where to turn. Here's the situation: I'm drowning in debt. My first question is - how do I get out of this cycle? Background: I am bad at managing my finances. I have…
-
Yippeee! Debt Free in 2024 sort of (Lowell might disagree)
Here we are, just one more debt to go! No I am not paying anything, not a penny, never have and it will expire in the next few months, I can't even remember what month but by June at the latest I think. I was never given the papers so I only have paperwork from when it was first chased. No DMP, DRO, ABC, CRP or DD, I know…
-
Is there a way out of this?
Hi! This is my first time posting, I am absolutely desperate for help/advice! My husband and I have been in a continuous cycle of debt for years. We have had family help us numerous times by paying off loans and credit cards. This time 4 years ago we were debt free before we purchased our shared ownership property. We…
-
Advice before starting DMP
Im embarrassed to even be here so please be gentle :'( After loosing my job during Covid, I’ve exhausted every credit avenue and now at breaking point, having spent the last year taking cash out from credit cards to pay the same credit card minimum monthly payments and all card companies now wanting me to increase payments…
-
here is moorcroft debt recovery email address
after dealing with moorcroft who manage some of my debts who say contact them by phone or via their website. I have found on their website there is no email address , just generic sections you click on which the asks you more questions ,blah ,blah. so today I phoned them and asked email address please…
-
Minicredit (remember them?) / Kapama / Opos
Just a heads up, I received a letter at my parents address from Opos stating I owe £827.42. I haven't lived there in over a decade and the only engagement I can recall having with Minicredit was in c.2011 (a PayDay loan of *I think* £100). So, I called Opos who helpfully told me they had the CCA. When I queried the dates;…
-
Feeling helpless - mental health, redundancy, physical health
Please be kind. I can't categorise my thoughts very well as brain fog and anxiety. So I've tried to bullet point: * I've worked all my life, in professional role and have a mortgage with my husband. Two kids - teenager/nearly teenager * Two years ago I suddenly fell ill, was signed off on long term sick, told by NHS urgent…
-
Stepchange says, 'Check it, trust it' to ensure you're getting trustworthy debt help
Stepchange is running a Check it, trust it campaign to highlight that not all debt advice is trustworthy, and helping those in debt to check they're seeking help from the right people. Sadly, there are less-than-legit companies using names similar to real debt advice charities and organisations. Don't be caught out. To…
-
Searching for a Debt Free Happy ever after
Morning! I've been reading some diaries and lurking for a while and am taking the plunge to make changes for my family and to get debt free. I don't want to make too many excuses but at 40 years old need to start to take charge. I'd really love help and advice too with how to tackle things. I have a gorgeous husband and…
-
Debts debts debts
Hello. I hope someone can give me a gentle shove in the right direction please? I am struggling with depression and can’t seem to sort out my spiralling debts. I am currently just about able to afford my minimum payments on cards and have cut down on everything else I can. My husband is great and pays the rent and…
-
Would appreciate your thoughts...
Hello all, I'm in a bit of a pickle in a few different ways and would appreciate anyone's thoughts on any of it. A bit of background - I am mortgage free (the saving grace in all of this mess!). I'm a single parent to a child with additional needs who struggles with school. Two years ago, I started my own business, hoping…
-
Cabot financial refunds
So, I like many other are sceptical when told you are due a refund, however, I received a letter stating I was due refund on account that was ' statute barred' and therefore extinguished, the total £1948.35. I thought in for a penny in for that amount, filled out form for bacs transfer and although it took only a week I…
-
What Small things Will You Do This Week? 3rd April 2023
When we start 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 canceling 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 in…
-
What Small Things Will You Do This Week? 20th March 2023
When we start 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 canceling 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 in…
-
What Small Things Will You Do This Week? 13th March 2023
When we start 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 canceling 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 in…
-
What Small Things Will You Do This Week?? 20/02/23
When we start 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 canceling 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 in…
-
What small things have you done w/c 6 Feb
When we start 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 canceling 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 in…
-
What small things have you done w/c 16/01/2023
When we start 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 canceling 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 in…
-
What small things have you done w/b 2/1/23
When we start 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 canceling 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 in…
-
Nine ways to digitally detox and stop spending in sale season
Read MSE Katie's blog: Nine ways to digitally detox and stop spending in sale season Let us know if you are trying these digital detox tips and if they are working for you. Have you found it less tempting to spend? Have you avoided buying anything unnecessary? Has it helped you make savings? MSE Katie
A place for MoneySavers to share their journeys towards debt-free living.
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.
1.2K discussions
417.8K comments
Most recent: Fabulous February's No-Spend Days Challenge! by Pinkpieuni
Today at 6:11AM
