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newbie to the forum

luckymum_3
luckymum_3 Posts: 136 Forumite
in Debt-free wannabe
hi,i have been reading some posts and have decided to join the forum.
my debts :o are as follows......
vanquis visa...£378.73
grattan catalogue...£9.76
scotcall recovery...£59.02
npower....£305.61
great universal...£145.25
kays lifestyle...£311.57
ndr recovery...£729.74....
provident loans....£1400 ( think i have just cleared the interest )
it looks worse when its in front of you :eek:
but i will get there ...i am a single parent with a great son aged ten and a great daughter aged four ,hence the name luckymom :D .....
:oiqor debt recovery for littlewoods £832.73..
kays lifestyle £624.60..
vanquis visa card £503.28..
grattan £200.09..

:T dfw#459

Comments

  • petetidball
    petetidball Posts: 143 Forumite
    Hi and welcome. What about incomings? See the sticky for how to do an SOA and lots of people will show you ways to cut back and get debt free quicker.
    :confused: Pardonez mois, mais votre cheval est dans mon cochon d'inde. :confused:
    Proud to be dealing with my debts: DFW Nerd 610
  • webitha
    webitha Posts: 4,799 Forumite
    hey hunny and welcome

    you need to post a thorough SOA see southernscousers sticky
    then lets see what we can do
    If we can put a man on the moon...how come we cant put them all there?

  • petetidball
    petetidball Posts: 143 Forumite
    http://forums.moneysavingexpert.com/showthread.html?t=107280

    Thats the link!
    :confused: Pardonez mois, mais votre cheval est dans mon cochon d'inde. :confused:
    Proud to be dealing with my debts: DFW Nerd 610
  • luckymum_3
    luckymum_3 Posts: 136 Forumite
    i am on income support ....i didnt plan on being a single mom ,but am looking at doing some training as my daughter is only part time at nursery so its difficult to find a job that works around her...
    i get £122.57 income support and
    child benefit £30.20 a week....
    :oiqor debt recovery for littlewoods £832.73..
    kays lifestyle £624.60..
    vanquis visa card £503.28..
    grattan £200.09..

    :T dfw#459
  • webitha
    webitha Posts: 4,799 Forumite
    what we need is what you pay per week/month on food, utilities,phone, etc anything you pay out on a regular basis and dont be scared no one will judge yo we are all here for the same reason
    and we are all very friendly
    If we can put a man on the moon...how come we cant put them all there?

  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    Hi :hello: and welcome to DFW

    Can you list your other outgoings, and the minimum payments & aprs of your debts please? That will enable us to see where savings could be made.

    Have you managed to meet the minimum payments on these so far, or ahve you defaulted?

    Sorry for all the questions!
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • beanielou
    beanielou Posts: 95,715 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hi & welcome to MSe
    Look forward to seeing your full SOA
    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.
  • luckymum_3
    luckymum_3 Posts: 136 Forumite
    hi there ..my out goings are as follows....
    water rates £ 10 a week
    tv licence £ 4 a week
    food £25 a week
    electric £20
    scotcall recovery £5 a week
    phone , internet £20 a week
    provident £30 a week
    then monthly ...
    ndr collections £15 a month
    great universal £ 10 a month
    visa £20 a month
    kays £5 a month... i tend to pay the weekly bills and hope for the best with the monthly ones if i dont over spend in the week it gives me a bit head start with the monthlys....as yet i havent defaulted :j
    :oiqor debt recovery for littlewoods £832.73..
    kays lifestyle £624.60..
    vanquis visa card £503.28..
    grattan £200.09..

    :T dfw#459
  • yellowmonkey
    yellowmonkey Posts: 7,052 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Hi

    luckymum.

    Just like to say welcome and good luck

    YM
  • luckymum_3
    luckymum_3 Posts: 136 Forumite
    hi ,just wanted to say thanks to you all for not judging me ...its amazing how many people think you put your hand up and say yes pick me i want to be a single parent .....so thank you all ,
    :oiqor debt recovery for littlewoods £832.73..
    kays lifestyle £624.60..
    vanquis visa card £503.28..
    grattan £200.09..

    :T dfw#459
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