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New Debt Wannabee
Arwen
Posts: 171 Forumite
Hi people
Fairly new to debtwannabee, but hubby was off work for months due to illness and I have ran up my cards with living expenses. They havent become a problem-yet, but I so want to get them down and pay off a couple of loans as well.
I have done my budget planner and I can have a disposable Income on top of my current repayments if I am careful.
Doesnt help that my ex is now out of work, so I am losing £250 per month.Taking on a casual job to repay, and now its Council Tax payments month too.
Have saved on my car Insurance, thanks to the site, Tv/phone/broadband cut down (I need my car for work), and off to see what else I can save on.
Looking forward to picking up tips from you all. Once I get these cleared, hopefully looking on Mortgage Free wannabee.......:rotfl:
Fairly new to debtwannabee, but hubby was off work for months due to illness and I have ran up my cards with living expenses. They havent become a problem-yet, but I so want to get them down and pay off a couple of loans as well.
I have done my budget planner and I can have a disposable Income on top of my current repayments if I am careful.
Doesnt help that my ex is now out of work, so I am losing £250 per month.Taking on a casual job to repay, and now its Council Tax payments month too.
Have saved on my car Insurance, thanks to the site, Tv/phone/broadband cut down (I need my car for work), and off to see what else I can save on.
Looking forward to picking up tips from you all. Once I get these cleared, hopefully looking on Mortgage Free wannabee.......:rotfl:
Debts :Paypal £1981.32
Monzo Loan £4278.16
Virgin CC £2137 0% until Dec 23
HSBC £5471.01 0% until Feb 2025
Emergency pot £404.47/2500
1p Savings Challenge £1.45/660
52 week Savings: £22.00/1400
Monzo Loan £4278.16
Virgin CC £2137 0% until Dec 23
HSBC £5471.01 0% until Feb 2025
Emergency pot £404.47/2500
1p Savings Challenge £1.45/660
52 week Savings: £22.00/1400
0
Comments
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welcome Arwen
to the dfw board, make yourself comfortable 
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HI & welcome to MSe Arwen.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Welcome.
You have done the right thing by noticing you might go into a problem. I was the other way round. WFTC messed up my payments two years ago and we had to live on credit cards and todate we are still paying it back. Cards are cut up and we are really working hard to pay them off but we have learnt our lesson.
All the best:A Tomorrow's just another day - keep smiling0
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