Debt-free wannabe

Mutual support and help for those on their journey to becoming debt-free.

Snowball calculator
Hi everyone Been scouring the internet to find a debt snowball calculator (not too complicated - must be user friendly) for my newly divorced friend who has no idea how to tackle her half of the financial mess left at the end of her marriage. Any one got a link to one I can use? I had one ages ago but I must have deleted…
Gas Bill Pickle
My relative has approached me with a problem that goes a little like this: Since they moved into their current home some 18 years ago, they have never had a gas bill. They live in a cottage rent free as part of a salary package. Gas payments are not included however. I think they thought they could get away with it, but…
Back too basics!!!!!!
Hi everyone, I have read some of the posts and i understand how you all feel. I find a good way of making sure that all bills are paid is by doing one simple thing and that is each week i put X amount of money into a envolpe or money bag when i get my wages. E.g electric £10 Gas £5 Phone £5 Food £50 and the list goes on. I…
Advice Needed !!
Hi there all Im new as you can see and im after some help we have got to the stage where we can not go on like this anymore my wife and I have 2 children aged 4 and 2 and because she has been a mum to them we have now come to the stage where all the credit cards are at there limit and I need some advice on how to sort this…
I'm Learning Already
Thanks to all the advice I have already got, I have switched gas & electric companies and saved £152 a year. I have also just visited the shopping forum, got the code of a tesco voucher, done my shopping online and managed to do my grocery shop for under £50 using a £10 coupon :-)) Think this site will be good for my bank…
Debt left by partner
My previous partner has left me with debts amounting to £4800 which was supposed to have been paid from the proceeds of the sale of our house. I have agreed to pay £50 per month to the debt collecting agency and would like some advice as to how I can repay this debt, either by taking out a loan for a specific period or…
Which way to go...
Hello All, Just thought i'd give this forum a try as it seems great to have a place to discuss these matters with complete unbias. To cut a long story short, I have got myself into a situation where I need to either become bankrupt or go for an IVA. My main debts are credit card, bank loan, overdraft and a upcoming demand…
Try and try but never manage
Hi, I have been reading this site for a while but this is my first post. I have got the book and read lots of posts on this site but sometimes it seems as though we will never be in a situation to actually save any cash. My husband works and earns a good wage, about £2000 a month after tax. I am a student in my final year.…
Very Depressed And In Debt
:confused: :o :( Hi, I dont know whether the following is real debt or whether I am just panicking over nothing? My Accounts are as follows; TESCO Personal Loan - £5000 - 6.5% APR BARCLAYCARD Personal Loan - £2500 - 24.9% APR BARCLAYCARD Visa - Credit Limit, £1800 - owe nothing - 18.9% APR RBOS Visa - Credit Limit, £475 -…
the "Free Me From Debt" Process has begun!!
Hi All, Well I have taken the plunge to becoming debt free ( if you dont take into account the mortgage!!) I have transferred the Virgin £ 4150 @14.89% to mint @ 6.9% for life. this will then leave me with £14516 A&L loan £354pm £9100 Barclaycard @5% life £200p/m £6491 Barclaycard @5% life £150p/m £4151 Mint @ 6.9% life…
cant cope with debt....please help
situation income which I clear = £800 expenditure: HSBC Bank Loan = £269.96+£49.98 insurance...33 lots to pay off....apr 9.9% HSBC Credit Card = £3898....owe.....this month was £117 payment, £55 interest+£30.55 payment protection 1.527%apr a month Store cards: USC= £890...Not sure what interest rate is on top of this NEXT=…
Newbie
Hello, I have only just registered on here but have been receiving the emails for a while. My partner and I are in debt to the tune of around £16,000. We are currently coping with the repayments as I have already sought advice from the CAB for my personal debts. However, partner also has debts which were brought into the…
Introducing myself.
Hi everyone, I've just joined this board. I hope to be able to help people in here as I have been a former bankrupt (now discharged) and have managed to turn myself around so I am completely debt free with £1000's in the bank and own my own house...all in the space of 3 years. WARNING. I am extremely blunt in the way I put…
Real Stress
Have a £100,000 mortgage on a £200,000 house Owe £20,000 on several credit cards, all up to the limit. Loss of job last july, wages reduced by a third with new job. Just cant meet demand anymore. tried applying for 3 new 0% credit cards to put all on one transaction to give breathing space, but refused as wages now too low…
Do you have to stick to high rate ccs if you can't get further credit?
Hi everyone. My husband has one cc and so do I, they are both near their limit and have quite bad rates. Mine is a student barclaycard (but now I don't work so I can't apply for another), husband's is 18.9% but he has defaults and I don't think would be able to get anything else. We also have a car loan. We think we can…
Son's Debt
My Son will be 20 this year, he has not had full time employment since he left school 4 years ago, he has done a day here and a day there, he is in so much debt, He owes Egg card 5000 pounds, they gave him the card without checking out if he was working he applied for it over the Internet, of course my husband thinks it's…
any help or advice re heavy handed debt collectors
I foolishly got myself into financial trouble about 4 years ago, buried my head and it got worse, ccj's etc. I was "advised" to contact a firm who i could pay each month and they would then in turn pay my creditors (for a fee). This went on for about 18 months when one of my creditors rang me asking why i hadn't made any…
advice on bank debt problems.
I have opened this thread in aid of my young brother in law who is not on the internet. The problem is he has over £800 worth of debt on his "old" bank account. He says his mum started a direct debit on his account a few years ago for her tv liscence. He claims he never knew about this and got a letter in detailing charges…
how do I find out if I have CCJ's??
Been researching composition orders for a friend on Google and in the details about Admin and Composition Orders it mentions about CCJ's. I wonder if I have got any? I have never received anything from a court? Hoe could I find this out?
Must Be A Risk-cos I Keep Gettin Refused Credit ???????
Hi Is There Anybody There Who Could Give Me Any Advice Here Is The Situation. I Have In The Past Tried To Transfer Credit Card Balances -and I Was Successful A Few Years Ago -however Since Then I Would Say All My Payments Have Been On Time ( Although Quite Often Min Pay -but Have Often Paid Off Large Amounts In One Go) I…

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