First one to clear 15k gets a paper hat

poorandindenial

I think you sound in not bad shape cmd - have you tried that predicter tool thingy on moneysupermarket??? Martin has one too if you go on his page about repairing your credit rating

So long as you are also on the electorol roll and haven't moved house within the last 12 months you might be OK.

clearmydebts

Hi PAID!

We moved home (renting) about 8 months ago but have a mortgage (from a flat we are renting out) that we have never defaulted on in 5 years. My OH sent our electoral info away about a month ago but it wasn't mentioned on the report today so I sent another one away today.We were registered on the electoral roll in all other properties.

How do I get to Martins page (sorry me probably being thick!)

poorandindenial

Hi honey

There is a blue box thing about half way down, the fact that I have been in my flat for less than a year makes the difference between me being the middle category and the second best one (you will see what I mean)

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

I think it is about where you live rather than owning somewhere, although owning somewhere would make you a better prospect I would have thought. You can play with bits and bobs and see what makes the key difference

poorandindenial

Hmmm, I just reread my last post - what a load of waffle. I hope you can sort of see what I was trying to say. :rotfl:

clearmydebts

Thanks PAID,

That's great, I'll have a play around with that and let you know how I get on!

savingholmes

I wrote a long reply but then lost internet connection and the details!:mad:

OH now home from cinema :mad: :mad: :mad: Says he did leave a message on my mobile - but even tho I have since found it on the kitchen floor - no sign of message:rolleyes:

Bank account not looking too healthy due to delayed arrival of £300+ expenses, level of stoozing and spending approx £430 on Asda Xmas savings cards to get an £18 bonus.... Significantly overdrawn currently but since I effectively have enough money on the cards to see us thro grocery wise to 31/12 we should be okay and everything should eventually balance out...

Not done letters yet...:rotfl:

CAFCGirl

Saving?
I presume you've done these letters by now?!

I've reclaimed my work expenses so theres £30 sitting on the side by my bed, so gonna keep hold of that and pay it off next week..
Got a mega sore throat today, which is killing me.

Got to do a dooyoo review this evening and DH is in charge of dinner, MUAHAHAHA!

milliemonster

Hey my bank account is looking a bit bare aswell but I get paid on Thursday thank the LORD!!!!

I discovered I had an ISA myself a couple of days ago so I am cashing that in as we speak, its worth about £1500 now which is pretty amazing considering I had forgotten all about it so I am going to pay that off my debt, that's going to put me a fifth of the way towards that paper hat lol!

I'm also still awaiting £80 travel expenses from an interview I did in July which I am still chasing up, gawd knows when they will pay me

American_Dreamer_2

When talking about being debt free in 18 months, 3 years and so on.... does anyone find it hard too look that far ahead? I really need to develop some patient skills.

tirlittan

Hi American Dreamer.

Atm looks like my DFD will be sometime in 2014, so about 5(!!!) years to go, though I should get it down. But yes, find it really hard to consider that it's gonna be such a long time before all my money is mine again and I can do whatever I like (within budget of course ) It's a long time trying to live frugally and I'm not sure how I'm going to manage it.