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massive debts no money
Comments
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Also - start a spending diary!
You'd be amazed how the odd bit here for a newspaper and the odd pound there for a sandwich really mounts up and goes totally unaccounted for every month
You'll be offered lots of advice on here so write a list of things to look at so you don't get too over awed by it all.
Look all around Martin's site too as well as the forum, there is loads of information and excellent links to reliable comparison sites for you to check out!
...Linda xxIt's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
We dont count all the runners ahead of us & feel intimidated.
Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.0 -
no but it has all just come to a head end of last month debits were refused and then we were charged will look into changing supplier. thank you
That is good news mate. Keep on top of those mortgae payments whatever you do. Is the Council Tax okay too?
StebizAsk me no questions, and I'll tell you no lies0 -
my car insurance is for two cars entertainment is from smoking i know we should give up we dont go out we get some wine and beer a couple of times from the off licence holiday is just what i have spent in the past days out also with kids0
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Also forgot to add on the list
LOMBARD DIRECT LOAN 6000.00 APR 24.4 165.93 MONTHLY PAYMENT
NATWEST LOAN 16000 APR 7.9 321.00 MONTHLY PAYMENT
MBNA LOAN 9000 APR UNKNOWN 154.00 MONTHLY REPAYMENT
Are all the above UNSECURED loans?
...Linda xxIt's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
We dont count all the runners ahead of us & feel intimidated.
Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.0 -
yes make sure the important ones are paid first0
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yes they are0
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Simon. How old are the oldest debts you have. I mean do you have credit cards or loans going back years?
StebizAsk me no questions, and I'll tell you no lies0 -
dont think i am replying properly to correct people or thanking them which icon do you use0
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yes they are
Good.
Don't let your bank try to push you into taking a secured loan to consolidate everything!
Do at least consult CCCS as other have suggested, they can give excellent advice and unlike the sharks that advertise on TV, they won't charge you.
Is your wife totally on board with sorting all this out?
...Linda xxIt's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
We dont count all the runners ahead of us & feel intimidated.
Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.0
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