Hi from a Newbie

frankiegirl

Hi I just joined the other day and find this site amazing with tips and advice and just posted my letters today to the banks asking for a refund on my bank charges.
last year and I found myself in a huge pile of debts but my house is sold and i will be debt free apart from a mortgage on my new home.

I keep seeing S.O.A mentioned here but have not got a clue what it means can someone enlighten me please.

Mizz_Pink

Statement Of Affairs i.e all your incomings and outgoings. You might also want to do a spending diary to see where all your cash/debit card purchases go.

Well done for posting!

*zippy*

:hello: Hi frankiegirl

If you have a look at the link below it will show you what to include in your SOA

http://forums.moneysavingexpert.com/showthread.html?t=107280

zippy x

sueshells

Welcome frankiegirl.

This is a brilliant site full of brilliant people. It's helped me no end and I will be eternally grateful - it's fun too, even if you have debts to pay and are feeling down it's usually posssible to find someone who's got an amusing tale to tell - usually about how awful one of the banks or credit card companies are!!

Best of Luck

Sue

loulouloulou_2

Hi Frankiegirl

Just wanted to say a BIG dfw welcome..... once you post a SOA people can usually really help - they have with me!! Even if you dont need any help - you can maeet some really nice people here and just have a laugh!!

*stargazer*

Hi, I am new too, frankie, it's incredible the amount of information and help on here, wish I'd found it last year x

frankiegirl

Thank you for the warm welcome, i find this site is amazing and its giving me hope that i can stay out of debt once this house is sold