Fed up of my credit report - have to check it again

dzug1

Butterfliesarepretty wrote: »

some idiot has cashed one of my cheques late for my gym and its caused me to go over so £25 charge and £5 a day till i get paid the 15th.

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Whilst I have every sympathy with the rest of your post, it's more like some idiot overlooked accounting for this cheque.;)

As to economising, ditch the gym membership. OK maybe there's a tie in period that means you can't do it straightaway but you really don't need to go to a gym to exercise.

Wall-E_3

You earn £1,000 a month (is this net of tax? - if so you earn about £16,000/annum), yet you manage to have a mortgage, how is that possible? I would love to have a mortgage and earn double what you do? Things could be a lot worse, lol.

MacsReturns

have very litte debt and have been in control of it for years, even making overpayments on my mortgage.

Just a thought that might help - are you still making mortgage overpayments now? Whilst that's good, it would still be better if you stopped that for a while and paid the money off your CC and overdraft because these debts are costing you more. This will also help your credit file. Once they're sorted then maybe back on to the mortgage.

Butterfliesarepretty

Wall-E wrote: »

You earn £1,000 a month (is this net of tax? - if so you earn about £16,000/annum), yet you manage to have a mortgage, how is that possible? I would love to have a mortgage and earn double what you do? Things could be a lot worse, lol.

Yes i earn net £1000 a month, but i have been on a joint mortgage since i was 23 got divorced at 34 and got my own mortgage a two bed ex ccl home, lived there 9 months and moved because of noisy ccl tenants, then bought this house 2002 at £34,000 but put money on the house for improvements. I was on £16.5k in 2008 but left on vol redundancy to take a job nearer home but could not get one paying the same. I also pay for my daughter each month.

Yes i like having my own home and i am lucky to have a job, but i struggle to take my daughter out when she stays and myself i cant even go for a drink. so socialising is out totally.

What do you do if you earn double than me?

Butterfliesarepretty

MacsReturns wrote: »

Just a thought that might help - are you still making mortgage overpayments now? Whilst that's good, it would still be better if you stopped that for a while and paid the money off your CC and overdraft because these debts are costing you more. This will also help your credit file. Once they're sorted then maybe back on to the mortgage.

the mortgage overpayments stopped in jan 2010, but have now extended my mortgage term for 6-8months to save a bit more.

jonesMUFCforever

Butterfliesarepretty wrote: »

the mortgage overpayments stopped in jan 2010, but have now extended my mortgage term for 6-8months to save a bit more.

This won't save you money long term as the interest will be charged over a longer period.