Help: Bankruptcy & Borrowing!

KingElvis

izools wrote: »

All our furniture was donated.

There's a great store in the industrial estate called Steptoes here, not luxury stuff but fit for purpose and cheap as chips. Picked up a king size devan and matress for 50 notes.

Perfect!

Yes yes but for lots of people, that doesn't have the buy buy buy on finance, got to have something new rush.

No offence to the thread starter intended, but if you check the DFW board further down, you'll see where that gets people.

I'm currently being roasted on there for telling someone to pay their bills before they eat and I quote "authentic Japenese food"...you couldn't make it up :rotfl:

izools

I've bought loads of new stuff over the last year, some of it cash some of it credit card and my current card balances are NIL.

Not hard to not buy what you can't afford, really.

But I can see their point, I mean going out to be waited on sat round a hotplate whilst they cook the Szechuan Pork right in front of you is MUCH more important than, I don't know, having electricity :rotfl:

(I cooked some szechuan pork t'other night. Picked up a pound of pork belly for under four quid. Made pork scratchings with the left overs, too. Then my left arm went numb...)

BugsyBrowne

KingElvis wrote: »

Yes yes but for lots of people, that doesn't have the buy buy buy on finance, got to have something new rush.

No offence to the thread starter intended, but if you check the DFW board further down, you'll see where that gets people.

I'm currently being roasted on there for telling someone to pay their bills before they eat and I quote "authentic Japenese food"...you couldn't make it up :rotfl:

Yeah I ain't visited the DFW board as yet,as with some of my comments think I would be kicked off.

KingElvis

^^^ LOL excellent.

The DFW board is too soft and lovey for me, people don't want honest advice these days, it's easier to hide and then bleat and moan.

We looked at sofas in DFS a few Sundays ago with the view of a 0% deal, they were all ghastly and massively over-priced.

Silvafox

star-fire wrote: »

Quick get your husband to take you off his credit report as a financial associate, if not your husband might struggle to get a blockbuster membership card as they might think he may bring the DVD back 5 days late and don't bother to pay the charges..

As long as the joint account is still open neither of you can remove each other as a financial associate. It can only be done when you have no connection financially whatsoever... otherwise it wouldn't be a true fact of your situations.

BugsyBrowne

Silvafox wrote: »

As long as the joint account is still open neither of you can remove each other as a financial associate. It can only be done when you have no connection financially whatsoever... otherwise it wouldn't be a true fact of your situations.

Agree the OP needs to get down the old bank with her fella, and take him off the accoubt, and as soon as that happens he then needs to contact the CRA..

BugsyBrowne

KingElvis wrote: »

^^^ LOL excellent.

The DFW board is too soft and lovey for me, people don't want honest advice these days, it's easier to hide and then bleat and moan.

We looked at sofas in DFS a few Sundays ago with the view of a 0% deal, they were all ghastly and massively over-priced.

Completely agree about the honest advice, there is loads of times i've told someone the score(truth) not in a nasty way just not very nice way, and then be told by other members ime a !!!!*ng keyboard warrior lol

FayeMuss

No offence taken KingElvis! I got myself in the s**t by wanting things I couldn't afford in the first place and agree with your stance entirely. I now feel a little dense for even posing the question in the first place. Also my own vanity, style and street cred feels the need to stress that I do NOT want a DFS sofa! I actually want an old shabby chic one and have searched second hand shops, Free cycle, Gum Tree and Ebay for the last 2 months. Going new was just a thought. Also we want to sit on it first as we have been soooo uncomfy on our old hand me down for so long! Think I may do a course in upholstery...

Incidentally our bills are paid before anything else, we shop at the market over supermarket wherever possible. We grow what veg/fruit we can in the right seasons and cook 95% of meals from scratch buying cheap cuts and doing fab recipes. We shop second hand for most things to do with the home and many clothes too. I don't drive and my husband cycles to work keeping fuel costs to a minimum.

We do however rather like a beer and a glass of wine and are big Elvis fans!

Thank you all for your honesty and advice. This girl has left the building.

fozmcfc

To be fair to the debt free wanabee board, there are many posts, where people accept they have debt, accept it is their fault and they want advice on how to deal with it and not want to wriggle out of it.

The debt free wanabee board is full of excellent advice and support and I'll applaud, support etc...anybody who posts along those lines.

It's the ones who run up debt and then just want to not pay it back, that really get my goat.