Hello, I'm new!

southernbelle

Hello everyone!

I've just registered, really need to sort myself out financially. I know my debt isn't huge, and the student loan is OK as it just comes straight out of my wages.
I am paying off the Smile O/D (because they cancelled it and asked for all the money back :eek:) at £600 a month, which is really difficult.

Today I have read some of the threads on here, and have registered for survey sites and some competitions so hopefully I'll make a little bit there. My job is well paid, so I should be able to pay off my debts quite soon, but it's just so stressful at the moment. I have about £10 to last me the month, and it was only payday Wednesday.:mad:

Anyway, hello, and I hope to get involved in some of the threads. If no-one minds, I'll use this thread as my "diary".

SB x

Squirrel29

Welcome to the site :kisses:, you will get some great support and advice on here. £600 per month repayment bit steep, Smile seem to have done this to a few people, is there no scope for negotiation i.e £100 per month?

Penny2myName

Hi and welcome, sounds like you are already on the right tracks. Nice meeting ya.

hypno06

Hello :hello: and welcome!!

Lemon_Tree

welcome you're in the best place. If you've read lots of other posts you'll know what i'm about to say - you need to post a SOA and then lots of very good people will be able to help you save money without going without everything. good luck

southernbelle

Sorry, what's an SOA

I sent my outgoings to Smile and they said £600 / month based on what I spend. Have only paid £500 this month as I have literally nothing more to pay - so will be getting charged for that. :mad:

Tomorrow I am going to sort some more stuff for ebay and bag up all my coppers.

It just seems that things like that make no difference at all. I think this is my problem. I always think £10 or so won't make a difference.

Thanks for the welcomes

lunar

Hi and welcome to the boards, why dont you try going to www.whatsthecost.com its a snowball calculator and will give you an idea of when you will be debt free if you keep going with your current payments. Keep on posting, you will get loads of support on here.

Larumbelle

:hello: and welcome!

how to do an SOA here: http://forums.moneysavingexpert.com/showthread.html?t=107280

Snaggles

Hellooooo!! Welcome to DFW, the friendliest forum on the internet!!! :D:D

SPANIEL36

hi, welcome to the forum and be warned... you'll never look at another webite forum again!!!

GettingThingsDone

Hi southernbelle - welcome to DFW!!

Smile are a bunch of @rse - they did a similar thing to me. Took my debit card, cheque book and stopped me setting up any direct debts. Arghh. Anyway, left and went to A&L - all good so far...

Good luck and keep posting

gtd