Small Steps Out Of Massive Debt!

Options
1…7273757778…186

Comments

  • DrSpendLittle
    DrSpendLittle Posts: 698 Forumite
    Debt-free and Proud!
    Options
    wishingthemortgaheaway wrote: »
    Fast forward to 2017 and because 'hmrc have adjusted your paye contributions to your student loan and you owe use £180' grrrrr hisss incompetence.

    Fortunately I was due a tax rebate due to Mat leave which paid the student loan bill and gave me about £30 to treat myself.

    The moral of this tale?? Don't trust slc or hmrc

    Wish, that is madness! Glad it didn't work out too badly in the end for you.

    A salutary lesson for me and GC when we finally get around to making that last payment!
  • wishingthemortgaheaway
    wishingthemortgaheaway Posts: 2,536 Forumite
    First Post First Anniversary
    Options
    DrSpendLittle wrote: »
    Wish, that is madness! Glad it didn't work out too badly in the end for you.

    A salutary lesson for me and GC when we finally get around to making that last payment!

    It was crazy, I was really surprised at the amount they refunded me, and questioned it at the time. Why they didn't say 'this is subject to hmrc confirming paye payments' I do not know.

    I'm just pleased it's all behind me now. My student loan never bothered me, (and I hate owing people money) I think because it's was such a huge amount, payments taken from my salary since I graduated, and everybody says it's 'good debt' (not that there is such a thing) but when I saw the end coming it started to annoy me and I started mentally spending the money that was going to the SLC.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Options
    HMRC are the bane of my life! I forever get letters from them telling them I owe them money, then on the flip side they tell me they owe me too much. I don't think I've had a single year that it's just been normal and no adjustments need to be made. Nothing has changed! i don't understand how you can't just get my tax right! Grr.

    Sorry for hijacking your thread for a rant :)

    I paid of my student loan this year and it's fantastic to have my whole wage to myself...well, minus the tax, the NI and the pension which eats up such a jolly great chunk of it.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Options
    I've been 24p away from a £20 cash out on PA for aaaaages! Can't someone just run a survey for 24p reward so I can cash out!
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Options
    Haha yes, it's so annoying when that happens, isn't it? Rant away!

    I was cashing out £20 every other week before the summer and now it's taking at least 6 weeks if i'm lucky! I just cashed out last week and I'm only on £2.44... LET ME DO SURVEYS PA!!

    I'll join in on the ranting :)
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Options
    I know, its really slowed down for me too! I had one amazing week in October but practically nothing since then ... hurry up PA! :)
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Options
    I wonder if more people are using it now so there's not as many opportunity? I check it about 5 times a day on a working day and most of the time there's nothing. Hmm... I was quite enjoying the thrill of it all adding up!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • redofromstart
    redofromstart Posts: 4,224 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Options
    Dr Spendless was saying that they signed up and racked up £16 in an evening so it must favour new joiners.
    My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese

  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Options
    Hmm, that would make sense. Annoying though! I need to find another survey site.

    I did get a 50p survey yesterday though, so when that goes through I'll have enough to cash out :)
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Options
    Ooh, just had a £3 survey! I think it really depends on luck, ones like that come and go in the blink of an eye.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.7K Banking & Borrowing
  • 250.2K Reduce Debt & Boost Income
  • 449.9K Spending & Discounts
  • 235.8K Work, Benefits & Business
  • 608.9K Mortgages, Homes & Bills
  • 173.3K Life & Family
  • 248.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards