We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
When you owe more than your annual net salary
Options
Comments
-
Sorry to hear about your mum.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 -
I am so very sorry to read about your Mum.Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.0
-
Sorry to read your news but good to see you are back. Yep things do go a bit mental when life throws you a curve ball.Be the change you want to see -with apologies to Gandhi
In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
'On the internet no one knows you are a cat'
0 -
so sorry for your loss Lexielou xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
-
Thank you all, its nice of you to send me your regards
nothing to report,
just checking in to say hi
Ll xx£38,000 and change to £00 -
Lay in bed this morning working out how I can afford to upgrade to a slightly less of a banger of a car than the one I have....which is on its absolute last wheels and I genuinely say a prayer each morning I get into it that it goes.
I also lay in bed trying to work out if my debt is better self managed or managed through SC...I can't be bothered with all the companies contacting me, but at the same time there are some debts I would like to blitz and reduce the number of debts...make sense?
Did my 1% chart - scribbled in 2 boxes cos I threw £28.20 at my credit union...which if I can do that every week plus the £65 I already aim at that account I can have my Credit union paid off by the end of the year...which to be honest is me being lazy..so that's defo a plan to whip into action.
Nowt else to report - this month is going to be tight...but sure...
Night
Ll xx£38,000 and change to £00 -
Dog walked, bought a chippy on the way home (barf), Kitchen and hall floor swept and mopped, car hoovered...shattered!
Found out today that I'll be getting OT pro rata for my weeks holiday - have to say it was a collective sigh of relief. So thats OT @ approx £700 for the month, which is about £150 more than I thought I would get. Inching closer to getting money to upgrade from a teenage banger to a tweenie banger...
Anyway, off to do half an hours work and then bed
Night
LL xx£38,000 and change to £00 -
did an hours freelance work tonight...that's going back into the EF fund that I dipped into for my new glasses...
shattered...fed up working, but also very grateful that I have work...
Night LL
xx£38,000 and change to £00 -
still shattered, still doing top up work, still doing OT, still grateful that I have work....but its hard to paddle all these canoes at once.....
Still here...alot of 'Stills' tonight
Night LL xx£38,000 and change to £00 -
Hi lexie, you have been through a lot in the last year, sorry to read about your mum but glad to read about your new job.
Keep on plugging away, perhaps try to forget all the different loans, just pay what you are paying through sc, it's all running in the background and will take the time it takes. Concentrate on building up your EF as that is what will save you in future when life happens, a bit in the bank can make these events much easier to cope with.
Daisy xx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599K Mortgages, Homes & Bills
- 177K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards