We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Any advice greatly appreciated!
flutterbyblue
Posts: 3 Newbie
Hi all,
I have been reading the threads and looking at all the challenges and people's amazing achievements for a while now but have only just joined the site.
I have £15688.69 of credit card debt and a reasonable credit rating (can't get any more credit though so no interest free credit cards for me!)
I want to get myself out of debt - which has been created by setting up my own business, living on nothing and getting married - and I want to do it under my own steam by paying back every penny. The problem is I am paying ridiculous interest on the credit cards I have and, as I said above, I can't get any more cards for balance transfers and I can't get a bank loan to consolidate (don't earn enough regularly). I work hard on two jobs and do freelance work whenever I can but I'm keen to earn as much as possible and maximise my income. This is why I'm posting...
Currently I sell stuff on ebay and I have signed up to sliethepie (and done a few reviews although they seem to keep failing when processing which is very annoying!). I've also signed up and been accepted for gapbuster but haven't had the guts to do a Mystery Shop yet as it seems a bit scary and technical (stop watches etc!)
I just wondered if anyone had any other ideas of ways to make extra cash? There are lots of things mentioned on the threads but I don't understand some of them! I'm really desperate to get moving so any help would be ace!
Thanks in anticipation!
I have been reading the threads and looking at all the challenges and people's amazing achievements for a while now but have only just joined the site.
I have £15688.69 of credit card debt and a reasonable credit rating (can't get any more credit though so no interest free credit cards for me!)
I want to get myself out of debt - which has been created by setting up my own business, living on nothing and getting married - and I want to do it under my own steam by paying back every penny. The problem is I am paying ridiculous interest on the credit cards I have and, as I said above, I can't get any more cards for balance transfers and I can't get a bank loan to consolidate (don't earn enough regularly). I work hard on two jobs and do freelance work whenever I can but I'm keen to earn as much as possible and maximise my income. This is why I'm posting...
Currently I sell stuff on ebay and I have signed up to sliethepie (and done a few reviews although they seem to keep failing when processing which is very annoying!). I've also signed up and been accepted for gapbuster but haven't had the guts to do a Mystery Shop yet as it seems a bit scary and technical (stop watches etc!)
I just wondered if anyone had any other ideas of ways to make extra cash? There are lots of things mentioned on the threads but I don't understand some of them! I'm really desperate to get moving so any help would be ace!
Thanks in anticipation!
0
Comments
-
Hi fbb - and welcome to DFW.
Can I suggest that you post your SOA (Statement of Affairs) listing your income, expenditure and debts.
Then you will be overwhelmed with helpful suggestions.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
I agree
DMP Mutual Support Thread Member No 19017/05/08 - Total on DMP: £10025.7007/05/14 - Total on DMP: £1666.20 DFD: July 2017!!Baby Tomos born 5th June 2009 - 6lb 5oz :jWeight Loss Target - to lose 60.8lb by NYE 2015 - 37.6lb TO GO0 -
I will do asap. It's a bit tricky for me as I don't earn the same amount every month because I work for myself. I've been doing consultancy work for the last year but that ends in Sept so feeling a bit scared. I'll try and put an average down of what I earn each month...what I do is quite seasonal. Sorry to be a pain! Thanks for the welcome! x0
-
No joy with your SOA then?? Come on, don't be shy.DMP Mutual Support Thread Member No 19017/05/08 - Total on DMP: £10025.7007/05/14 - Total on DMP: £1666.20 DFD: July 2017!!Baby Tomos born 5th June 2009 - 6lb 5oz :jWeight Loss Target - to lose 60.8lb by NYE 2015 - 37.6lb TO GO0
-
Hi if your income varies then work on the minimum. Also keep a spending diary, it will help stop impulse spending.Find out who you are and do that on purpose (thanks to Owain Wyn Jones quoting Dolly Parton)0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.5K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.5K Spending & Discounts
- 245.5K Work, Benefits & Business
- 601.5K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards