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My current debt/story
aquafish_2
Posts: 20 Forumite
Just thought i'd pop in and share my current debt. I owe a total of £4200 over 3 credit cards and I have a loan dripping away at £3000. Not really sure where to go from here. I've stopped spending on the cards but I want to try and get all the debt in one place so I can pay it off. Was thinking about getting another loan to consolodate it all together but not really sure if I can (my credit isn't that good). Nice to kind of get this off my chest anyway lol
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Hi there-
fill in the Statement of Affairs and people will be ablt to offer you deatailed advice. good luck!April NSD Challenge 6/15 :rolleyes:
VSPC £39.88/200 :cool:0 -
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If you could do a SOA that would be great
Sure someone will be along with a linky soon,I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.0 -
Hi there,
Thinking/ hoping that maybe I am ready to help others...! Although as I'm a new poster I'm not allowed to post links?
If you go to the sticky thread around 3rd from top there is a link to the Statement of Affairs.
Cheers LPWBaby on board - EDD 29th Sept0 -
br no 188
AD 17th apr 09:D
mortgage free 22/5/09:D
debt free 11/8/09:D
:j#18 £2 saver = £ :T sealed pot #333silent member of mikes mobi will lose weight :rolleyes: i will sort my house
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Before you add your SOA just some things that have helped me save cash:
- Taking lunch/breakfast to work - I can spend £5 on a Sunday in Asda to cover breakfast/lunch for the week.
- Carsharing to work - not an option for everyone but not sure why I didn't think of it before!
- Cancelling all luxury direct debits that I didn't really need - eg. £58 gym membership :eek:. I now have a bike instead..
- Telling family/friends - now they know why I can't afford expensive nights out/ big pressies/ lots of takeaways - in fact they are annoyed if I do spend a lot on these.
- Cutting down on takeaways and nights out - not been doing much socialising...
- Planning out an accurate budget.
- Doing my own hair colour - at least until I have paid things off.
- Keeping a spending diary - just starting but will be interesting..
Just some thoughts of mine. Baby on board - EDD 29th Sept0
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