We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Another newbie, had my lightbulb moment today!!
Comments
-
Thank you for all of your replies, they have been a great help. I have contacted Lloyds and for some reason they say i cannot take a repayment holiday
no idea why as i have never missed a payment.
OH can give me £200 a week, I will use this to pay the next account off, Direct debit came out for this today so it will be paid by next month :j
The £50 I have saved from the next my dad has agreed to me paying monthly to him + I will pay whatever else i can afford.
Have also joined upto pigsback and valued opinions, done all my daily clicks today and I have a big pile of things for ebay/amazon.
Things are looking better already :beer:Virgin CC=£2652, Next= [STRIKE]£102.88,[/STRIKE] Very=£475.60, Natwest=£800, Sainsburys CC=£1777.02, Lloyds CC=£498.29, Lloyds Loan= £13,946.18, Car=£4000Total = [STRIKE]£26,147.23[/STRIKE] £23,849.09:eek:0 -
I am glad to see you are much more positive!
Good luck with Ebay and Amazon and I hope you raise loads!Debt Free - done
Mortgage Free - done
Building up the pension pot0 -
Put some things on amazon today and already one has sold!! £10.77 better off
Virgin CC=£2652, Next= [STRIKE]£102.88,[/STRIKE] Very=£475.60, Natwest=£800, Sainsburys CC=£1777.02, Lloyds CC=£498.29, Lloyds Loan= £13,946.18, Car=£4000Total = [STRIKE]£26,147.23[/STRIKE] £23,849.09:eek:0 -
£49 a month car insurance sounds alot!! (£600/year). Does this include money for your tax, petrol and MOT too?! I'm sure my insurance has never been more than £450/yr fully comp. Could you not run a small cheap car?Should've = Should HAVE (not 'of')
Would've = Would HAVE (not 'of')
No, I am not perfect, but yes I do judge people on their use of basic English language. If you didn't know the above, then learn it! (If English is your second language, then you are forgiven!)0 -
£49 a month car insurance sounds alot!! (£600/year). Does this include money for your tax, petrol and MOT too?! I'm sure my insurance has never been more than £450/yr fully comp. Could you not run a small cheap car?
No this is purely just insurance, I have only been driving just over a year. A little reanault clio 1.2
. This i also got down from £69 a few weeks ago when i turned 21. I save for tax using post office stamps. Petrol I get back from work in my wages, car doesn't need an MOT until this time next year when it will be 3. Virgin CC=£2652, Next= [STRIKE]£102.88,[/STRIKE] Very=£475.60, Natwest=£800, Sainsburys CC=£1777.02, Lloyds CC=£498.29, Lloyds Loan= £13,946.18, Car=£4000Total = [STRIKE]£26,147.23[/STRIKE] £23,849.09:eek:0 -
Another book sold on Amazon for £11.33, that's 2 in one afternoon :eek:Virgin CC=£2652, Next= [STRIKE]£102.88,[/STRIKE] Very=£475.60, Natwest=£800, Sainsburys CC=£1777.02, Lloyds CC=£498.29, Lloyds Loan= £13,946.18, Car=£4000Total = [STRIKE]£26,147.23[/STRIKE] £23,849.09:eek:0
-
Just a quick update as I think I have done really well this month. I have mostly been concerntrating on getting rid of the Next Account. Have managed to pay off £145 so far, which is £100 more this month than I would normally pay. I have another £50 waiting to be transferred from paypal so this will also go towards paying off the next account, that only leaves £328 left. I have set myself a target to have this paid by christmas.
I have been doing approx 15 hours extra at work each week which will help and I am thinking of selling my car and getting a cheaper one, hopefully the money left after buying a new car will be enough to pay off the family loan.
All the bills come out the bank tommorow so this will bring the loan payment down even more :j .
The amount of stuff i have found lying around the house that I have managed to sell on ebay has been amazing. I also have £70 saved in my savings account incase anything goes wrong with my car.
This for me has been a real eye opener to what can be achieved if you really stick to it. I could have saved even more if i hadn't brought things I don't need from the supermarket .
Thank you to everyone on this site for all the help and support you give :TVirgin CC=£2652, Next= [STRIKE]£102.88,[/STRIKE] Very=£475.60, Natwest=£800, Sainsburys CC=£1777.02, Lloyds CC=£498.29, Lloyds Loan= £13,946.18, Car=£4000Total = [STRIKE]£26,147.23[/STRIKE] £23,849.09:eek:0 -
Hello Charlie :hello:
Im fairly new too.
Just wanted to say well done on your start to being debt free :T. Also have you tried looking into benefits on http://www.entitledto.co.uk. Its really worth spending 5 minutes if you haven't. 0 -
mark-indebt wrote: »Hello Charlie :hello:
Im fairly new too.
Just wanted to say well done on your start to being debt free :T. Also have you tried looking into benefits on http://www.entitledto.co.uk. Its really worth spending 5 minutes if you haven't.
Hi Mark,
Unfortunately I can't get no benefits as i'm still living at home but that site may help my mum.
Thank youVirgin CC=£2652, Next= [STRIKE]£102.88,[/STRIKE] Very=£475.60, Natwest=£800, Sainsburys CC=£1777.02, Lloyds CC=£498.29, Lloyds Loan= £13,946.18, Car=£4000Total = [STRIKE]£26,147.23[/STRIKE] £23,849.09:eek:0 -
They could give you working tax credits. Just give it a good guess on the website to see and put not a tenant when it asks about the house status.
When you apply with the inland revenue use the amount you earned in the last tax year (thats more correct) which will be less than you earn now, its on your last P60. I just applied and can get tax credits its not much but it all helps.
PS I also live at home0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604.1K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards