Missing debt diary? Pls read

MSE_Martin

Hi folks pls read this

http://forums.moneysavingexpert.com/showthread.html?goto=newpost&t=596792

sorry

martin

SarahNeedle1872

No need to be sorry, sounds childish but 'they' started it!

Sarah x

postingalwaysposting

i second sarah, i am sure everyone who visit this site will help in any way they can... i hope everyone at mse towers especially the techies are holding up, thanks for doing the great job that you do

rog2

I would think that there are many people, and organisations, ou there who are becoming increasingly worried about the 'strength' of this site and the impact that it may have by exposing the questionable behaviour of the financial industry and the corrupt and often unlawful sub-culture that this sector has spawned.
No longer content with planting their trolls on the boards, to try to undermine the credibility that this forum has earnt, they now feel the need to deprive people of an invaluable source of information and support by directly attacking the whole fabric of the site.
Their actions are a crystal clear indication of their own guilt.

southernscouser

I'm not doing the bloody first time posters thread again! :rolleyes:

Or the nerds list! :rolleyes:

In fact, I quit!

rog2

southernscouser wrote: »

In fact, I quit!

Not another resignation thread. :rotfl: :rotfl: :rotfl:

fermi

southernscouser wrote: »

I'm not doing the bloody first time posters thread again! :rolleyes:

Or the nerds list! :rolleyes:

In fact, I quit!

:rotfl::rotfl::rotfl::rotfl:

For a starter:

Thought I'd start a new thread as the old one was getting a bit ropey but it also gives us a chance to welcome our new honorary member and the reason why we are all here!

Ladies and gentlemen, MSE Martin. :T :beer:

If you want to joing the Nerd Club then just ask to do so in this thread. I'll update it weekly so please be patient for your number!

000 - MSE Martin (Honorary Member)
001 - Southernscouser
002 - Fairylights
003 - Kathfisch
004 - Jamiedodger
005 - Ms_London
006 - Moozie
007 - Jamesy
008 - Dinkylou
009 - Lewby
010 - Ozzyfan
011 - Pigeongirl
012 - Scottishspendaholic
013 - D&DD
014 - Silverelephant
015 - Palescene
016 - Batgirl
017 - Ali-ok
018 - Montymoo
019 - Gerradene
020 - Queen.Bess
021 - Kevicho
022 - Shazzer22
023 - Skintchick
024 - MinnieSpender
025 - Tine
026 - Ruyareece
027 - Roversbabe
028 - Moxie
029 - Piglet6
030 - Peppa pig
031 - Brummiebird
032 - Bizzy_lizzie
033 - Mummytummy
034 - QueenB.
035 - Kuohu
036 - Alice's mum
037 - Oops a daisy
038 - Little Miss Scrimper
039 - Fizzle81
040 - Amosworks
041 - Carrot
042 - Verbatim
043 - Shellabear
044 - Sunnydoo
045 - Bothered
046 - Avogirly
047 - JollyNolly
048 - Marieb
049 - matty022000
050 - Mountainofdebt
051 - Catznine
052 - Hipkiss
053 - Lydia.42
054 - Magni
055 - Beanielou
056 - Westie666
057 - Snich
058 - Craigp
059 - Pointsofview
060 - Moo842
061 - Hostie
062 - Glitterari
063 - Pixie1
064 - CAFCGirl
065 - Slayerx
066 - Dottyanne
067 - Lennymfo
068 - Old iron balls
069 - Angels960
070 - Debtfree Nessie
071 - Dippy-dora
072 - Tashja
073 - Novice money saver
074 - Tesuhoha
075 - Sophiesmum
076 - Alex W
077 - Aurora borealis/Goldentouch/AB/GT
078 - Catseyez
079 - LookingAhead
080 - GreyPilgrim
081 - Onestep
082 - Purpleprincess
083 - Lynzpower
084 - Aimme13
085 - Jessicamb
086 - Bellie
087 - T.L.C
088 - Ali007
089 - Molanole
090 - Imelda
091 - Saraht
092 - K9cuddles
093 - Melabarrie
094 - Carlih1
095 - Mirtos
096 - Newleaf
097 - Pink Fairy
098 - Nadnad
099 - Dudleyboy
100 - Bethom
101 - Emmzi
102 - Domesticgoddess
103 - Cmc_entertainment
104 - PeachPickle
105 - Rumblytum
106 - Spud30
107 - Ally1974
108 - Boobylou
109 - Fish-face69
110 - Leanne11
111 - Pondsaver
112 - Mrs A.
113 - Andystev
114 - Greenpixey
115 - Devo
116 - Milliejon
117 - OberonSH
118 - Foreverskint
119 - Funkymonkey
120 - Valgron
121 - Toto
122 - Shazamaca
123 - Iriahm
124 - Sickofhavingnomoney
125 - Cmjohnson_86
126 - Rallya
127 - Boobylou
128 - LittleL
129 - Elantan
130 - Methekidsandthecat
131 - Welshgirl78
132 - Wonder_Girl
133 - SeeWeed
134 - Dr.Shoe
135 - Laurajayne
136 - Pattiemay
137 - Starry-eyed surprise
138 - TerminallyShortOfCash
139 - Owesomuch
140 - Saubryn
141 - Nellis10
142 - Seven-day-weekend
143 - Little miss thrifty
144 - Scuba147
145 - Pandora
146 - Corrig24
147 - Sammy_kaye18
148 - Loobyloo1980
149 - Wanna=be=mortgage-free
150 - Oakdale_minx
151 - Macduff
152 - Blissfulbabe
153 - Youngmum
154 - Wannabedebtfree
155 - CathChat
156 - Shopsalot
157 - mrs mug
158 - Lil'H
159 - Us,thecat&thedebt
160 - Sam_b
161 - Maverick007
162 - Ifonlyiknewthen
163 - Cathybird
164 - Hello
165 - Anwen
166 - Rog2
167 - Adypem
168 - Lazy&indebt
169 - Brassic
170 - Jesscat
171 - Flowerofscotland
172 - Smokybabe
173 - LewisC
174 - Janey51
175 - Liberty23
176 - Terriblesaver
177 - Pms
178 - Mrs Sparkle
179 - Hula-hoops
180 - Loopyloulou
181 - Savvykaz
182 - Jenagain
183 - Severussnape
184 - Steven.Chapman6
185 - Ruby Pudding
186 - Bobble_hat
187 - Hannah:-)
188 - JDGB999
189 - Gettingitsorted
190 - Skintasusual
191 - Immoral_angeluk
192 - Itsarichmansworld
193 - Sammyjo
194 - Julie toots
195 - Loren83
196 - Mrs(no)money
197 - Tequilla_slammer2002
198 - Froglette
199 - Lucy7509
200 - Jamtart6
201 - BeckyBloomwood
202 - Kimbo_kim
203 - Whatatwit
204 - Cumbrianmum
205 - Sweetrevenge
206 - HomeJames
207 - Davidm
208 - GettingThingsDone
209 - Pudding06
210 - RACHIE77
211 - Gettingthereslowly!
212 - Newmum1
213 - Bride2be2006
214 - Cattie1
215 - Adrasteia01
216 - BlueSkyDay
217 - Blunder Woman
218 - Serialdieter
219 - Dizzy lizzie
220 - Anniestar
221 - Hobsch
222 - Irishwench69
223 - Sinkingindebt
224 - Nuclear_Tom
225 - 1mmaker
226 - Nemisis_WOF
227 - Misscutiepie1984
228 - Aussielovell
229 - Oscar52
230 - Hypno06
231 - Plymouthscubagirl
232 - Kevster1009
233 - Gemmzie
234 - Bobbie78
235 - Gouldtsa
236 - Mattg2379
237 - Dlb
238 - Lillys mum
239 - Poppycracker
240 - Clarab
241 - Justmarried06
242 - Looby75
243 - Mizmir
244 - Sgx.saint
245 - Maureenjscott
246 - Sharpey79gfc
247 - DoodleBugz
248 - Vix206
249 - BrokeWelshChick
250 - Leebarton
251 - Charl8888
252 - In_over_my_head
253 - MRS-MT
254 - Bambi234
255 - Jmf76
256 - Judi24
257 - Lady Pink
258 - Joe_Millionaire
259 - James&Shell
260 - Inspiremetosave
261 - Scottish_blend
262 - Dubgirl
263 - Snaggles
264 - Doodah
265 - Jillie1974
266 - Calella
267 - Triker
268 - Katierose
269 - Tumbleweed261
270 - Frugal Fox
271 - Liewe heksie
272 - CJG
273 - Ashden
274 - Sallyx
275 - Emzig123
276 - Lightatendoftunnel?
277 - Kitleo
278 - Buddiebabe
279 - DontDoDebtKids
280 - Miss_Moneypenny
281 - Bellsbells
282 - JayneC
283 - Mh1923
284 - Weller711
285 - Pot'o'gold
286 - Giddykipper
287 - Icklejulez
288 - Wannasavemoney
289 - Muppets
290 - Adrasteia01
291 - Hardcore_since84
292 - Wiggly
293 - Spendaholic Chick
294 - Messiah001
295 - Shoe1206
296 - Lucifa73
297 - Crown
298 - Bluesunshine
299 - Funnyflip
300 - Hazzie123
301 - Berah
302 - Sparrer
303 - Artic fox
304 - Thiftykatie
305 - Totallyfedup
306 - Lyndarling
307 - Nuttietart
308 - Jediross
309 - Yellowmoon
310 - Piptiddlepip
311 - Lacoste1985
312 - Nickm122
313 - Aliroo
314 - Ella_ella_ella
315 - Lotte123
316 - Skollieal
317 - Casperthefriendlyghost
318 - Eveyhammond
319 - Sparkyb
320 - Needlessdebt
321 - Catewithers
322 - Pigpen
323 - Lelc
324 - Ijustlovesavingmoney
325 - Alisonbel
326 - 95kelly
327 - GirlRacer
328 - Scorpioto
329 - Spanner-monkey
330 - Andisrat74
331 - Tigzem
332 - Mr2
333 - Andistar74
334 - Pink_butterfly
335 - Smilealot
336 - Deliciosa
337 - Saver03
338 - Spendthrift66
339 - Digill
340 - Grippy
341 - Brownie2
342 - Haughey Harridan
343 - Mouseymousey99
344 - Webbie
345 - Boudica
346 - Cannonball
347 - Beth86
348 - Goldigger
349 - Darkheart
350 - Suki43
351 - Teecee152
352 - Jumps
353 - Fallen Angel Shelley
354 - Katypetal
355 - Cheerfulness4
356 - Pickle81
357 - ~Evanesco~
358 - Onedayiwill
359 - WannabeMortgageFree
360 - Daysieblue
361 - Kf_glasses
362 - AJ_eye
363 - Lauren_1
364 - ThankYouAndEnjoy!
365 - Moneywise22
366 - Yorkie18
367 - J9_gal
368 - Oopalah
369 - Shamhat
370 - Meemo
371 - Tiggers
372 - Wiggysgirl
373 - Tarkers
374 - Kingmadness
375 - Wellgirl
376 - Remotem76
377 - Becks in debt
378 - Smashedbooboo
379 - Gothgirl
380 - Scottishmummy
381 - Melissa177
382 - Mindy
383 - Knightofni
384 - Fiveyearplan
385 - Morgani
386 - Ossie07
387 - Ukpam2000
388 - Fay66
389 - Mrsspendalot
390 - Cat121
391 - Shelovestobuystuff
392 - Rufus t
393 - Sissy
394 - Grimreaper
395 - Ajr21
396 - Debtfreemom
397 - Sweetangel63
398 - Lambanana
399 - Tigger1970
400 - Vixxen
401 - Smartcat04
402 - Grimreaper
403 - Alfredsmum
404 - Dogsrus
405 - Stepha
406 - IOUhowmuch
407 - Addyboy1982
408 - Cheletastic
409 - MKDave
410 - Mrs-d
411 - Mini
412 - Catw0man
413 - Kdean
414 - KellsBells
415 - Lulupense
416 - Sparky03
417 - Mappygirl
418 - Vixxen
419 - Charlie2301
420 - Lisa-b
421 - Starrypuss
422 - Chivas
423 - Jovichick123
424 - Dumb debtor
425 - Momisa
426 - Sandy.l
427 - Auntie pie
428 - Princessscotland
429 - Poohbear59
430 - Lovetobeloaded
431 - Prisonshepherd
432 - Michelle73
433 - Katgirl
434 - Swishter
435 - James21
436 - Brainfreeze
437 - SarahNeedle1872
438 - Lindens
439 - Prophecy_grrl
440 - Ladygrim
441 - Kochanski
442 - Dodgeroonie
443 - Lestinch
444 - Viking Karen
445 - Huxley
446 - Archiesdad
447 - Money bags
448 - Han2502
449 - Purplegrape
450 - Bectoria
451 - Lazy Line Painter Jane
452 - Shamu95
453 - Jandk
454 - Em1982
455 - Sarah76
456 - Brucie24
457 - Kinkypixie
458 - Lulupense
459 - Luckymum
460 - Lewpylew
461 - Ani*fan
462 - Nickyfinney
463 - Amanda4242
464 - Loosechange
465 - Onamission
466 - Chookwoose
467 - MustStopSpending
468 - Sugarhunny1
469 - Elles_belles
470 - Delerious
471 - Ezzauk
472 - Rayday2
473 - Rubywhatashmoo
474 - Chunky79
475 - Fivenations
476 - Nickelodeon
477 - Bagyra
478 - Ccastley
479 - Pork_pie
480 - Clearskies
481 - SkatingMonkey
482 - Princess-laura
483 - Hope78
484 - Lonelytoo
485 - Johngc
486 - Torianut
487 - Pilla
488 - Cptncanary
489 - Geev6
490 - Chica_fi
491 - Dr Hook
492 - Parallel_Universe
493 - Wam73
494 - Russjo
495 - Warriorsith
496 - Jo1972
497 - Isabelle
498 - Midnight Sky
499 - Fedupwithbanks
500 - Saschakeates
501 - Treaclepud
502 - Smoggy62
503 - Jimster999
504 - SuSu1871
505 - Fallen Angel Shelly
506 - Stress_Head
507 - Sea-horse07
508 - HardleyLisa
509 - Blackangeluk
510 - InTheRed
511 - B.W.Fox
512 - Katetn4
513 - Theslickrickster
514 - Meerkat2007
515 - Blewsky
516 - Little Pickle
517 - Chalk_Outline
518 - Lucy1982
519 - Mrs Dawn
520 - Tealady
521 - Countrygirl84
522 - Izzie Wizzie
523 - Jowie
524 - Steven77
525 - Pania
526 - Little Miss Red Head
527 - HardleyLisa
528 - Maisieme
529 - LHew
530 - PoorBecauseILoveToShop
531 - Acc2007
532 - Emmaoxley
533 - Chickenroti
534 - Lvu
535 - Pinkvodkas
536 - Taslovestosave
537 - AlwaysOnTheGo
538 - Costa lot
539 - Melainab
540 - Scottishsuz
541 - PuprleTeddyBear
542 - Bozbear
543 - PanickingHARD
544 - Girl-about-town
545 - Cat4772
546 - Malvena
547 - Irishmist
548 - Cdg1111
549 - Jaysee
550 - Shoeaddict
551 - Headoutthesand
552 - Howskint?
553 - Xgingerx
554 - Buffy the Vampire Bat
555 - Linda1971
556 - Madnessa
557 - JCD_Capulet
558 - MrKev83
559 - Scoobysue
560 - COOKIEWILLOW
561 - Kyrast
562 - Icka
563 - LindseyM
564 - Neil101
565 - Burkey2007
566 - Blutronica
567 - Tomarse
568 - OliveOyl
569 - Little Miss Red Head
570 - Machsmum
571 - Alice-mary
572 - Clairemg
573 - Penguin83
574 - Kookie
575 - Corporate_slave
576 - Sampa99978
577 - Ignatius_A
578 - Nonny27
579 - Smartie12
580 - Debtmummy
581 - Karmacat
582 - Boona
583 - Edsjad
584 - AlexGuiness
585 - Payingitallback
586 - Nahnahnat
587 - GarethR
588 - Joannady
589 - CharliesAngel
590 - Drowned_by_debt
591 - Badmuthar
592 - Mrs Pinkerton Trunks
593 - Trying-very-trying
594 - Tues-Onward
595 - Nuttygirl
596 - Cl0nd0n
597 - Lindoz
598 - Lalala
599 - Coops024
600 - Miss empty piggy
601 - FlashX
602 - Nelmer
603 - Pikeygirl
604 - Mark88man
605 - One step forward
606 - Clairel
607 - Skysky69
608 - Snuffy
609 - Baggiesgal
610 - Petetidball
611 - Mariagti
612 - Lemma1968
613 - Ellyg1824
614 - Normdeplume
615 - Tooties
616 - Toscaredtotell
617 - Linzi1978
618 - Mindspace
619 - SlyOne
620 - Dragonwings
621 - Mountie
622 - Fannyfanackapan
623 - Graham Clubman
624 - The Dragon
625 - Clare1076
626 - Smileysal
627 - Daeheryn
628 - DFW1982
629 - Roselee
630 - Daisydoll
631 - Karatemum
632 - Teacher2301
633 - Skinty
634 - Iwanttobreakfree
635 - Appyjude
636 - Bosco_tommy
637 - Hyder
638 - Jw1096
639 - Panicsetin
640 - Consnmattsmom
641 - Madmoney
642 - Yubyub31
643 - MissKJ
644 - Dusa69
645 - Happymoneysaver79
646 - EmptyPockets
647 - Beemuzed
648 - Aquababe81
649 - Uptomyeyesindebt
650 - Depsina.vandi
651 - Country girl
652 - Hblsc
653 - Noggin
654 - Willbedebtfree
655 - The_Bish
656 - Lunar
657 - Angelicauk
658 - Jacks xxx
659 - Inadream
660 - DisillusionedAnna
661 - Jaks
662 - Lellylion
663 - Martiangirl
664 - Bekibuns
665 - Lilmoi1985lm
666 - Sweetchilly
667 - Pip7890
668 - Pink Fluff
669 - Binty
670 - Hunny
671 - Nomorecredit
672 - Hobbin Rood
673 - Roxy7699
674 - Redfaced
675 - Lynnejr200
676 - Moneyislove
677 - Claireabelle
678 - Thelightisnowon
679 - JillyD
680 - Taz_Sutton
681 - Matthewr
682 - Lubava
683 - Mupeteer
684 - Ciarasdreams
685 - Smiler34
686 - Kazhugs
687 - Trampyblonde
688 - Househead
689 - Tpxxx
690 - Natlou
691 - Icela
692 - Jungleduckling
693 - Asllgreg
694 - Weemac
695 - Amatheya23
696 - Tete en l'Air
697 - Mindspace
698 - Melorac
699 - Miked
700 - Mummabentley
701 - Kcmatt79
702 - Oreo7504
703 - Little Miss Frugal
704 - Hello_petal
705 - AndrewR
706 - Always_amazed
707 - Zoebeth
708 - Slowlylearning
709 - Jackiec09
710 - Brought2justice
711 - Blakeyjo
712 - Doodledo
713 - Lindsay-Lou
714 - Gibbyni
715 - **JJ1986**
716 - Ashbart
717 - Meyore
718 - Sickandtiredofdebt
719 - **Amy**
720 - Blockleys
721 - Coolmum66
722 - Emmey
723 - Kassytbag
724 - DebtFree2015
725 - onamission
726 - Mcnair
727 - Lemon Tree
728 - Skintscotslass
729 - Miss_Marple


Don't forget to add the DFW slogan to your sig;

'Proud To Be Dealing With My Debts'

Nerds rule! :cool:

fermi

Plus this:

This is a really useful thread for newbies to the Debt Free Wannabe Board

New MoneySavers should read this in conjunction with Where To Start With Problem Debts on the main site.



Welcome to MSE and the Debt Free Wannabe board.

Now I know this is a bit of an essay but please read through the whole thing. In the long run it will save you and us lots of time.

This is a guide for anyone who wants to start battling the debt demons but isn't quite sure where to start.


First things first, well done for confronting your debt. This is quite commonly know on here as your "light bulb moment". :idea: This is the biggest and hardest step you will take so if you can do this you CAN become debt free. :T

When I first posted I felt ashamed, guilty, sick, embarrassed, angry! But don't beat yourself up. There are thousands who have made the same mistakes as you and me and I promise you that within hours of posting you will be feeling more positive and willing to tackle your debts head on!

You won’t be judged (certainly not by me, look at my signature :eek: ) so don’t be ashamed to admit everything. Although it pains me to say it there are a lot of top people on this board.

The other members on here are so genuine and helpful it is unbelievable. I don't think there is much between us that we can't help with.

For other MSE users to be able to help you as best we can you need to provide us with as much information as possible. You don’t have to include your life story (although the nosier ones won’t mind if you do ) but we do need to know every penny you have coming in, and every penny going out. The more accurate and detailed you are the better the advice will be. We call this a SOA (state of affairs).

Below is a rough template;

Monthly Incomings:

My salary - £1,330.34
Partners salary - £874.32
Benefits - £100

Total - £2,304.66

Monthly Outgoings:

Mortgage/Rent - £700
Council Tax - £89
Gas - £20
Electric - £20.53
TV License - £10.99
Sky £45.99
Phone - £40.79
Food - £300
Car Insurance - £32.53
Petrol - £80
Life Insurance £20

Total: £1,359.83

Make sure you include EVERYTHING you can think of!

Also give us as much detail about your debts as you can especially with the APR’s. If you don’t know them, phone the credit companies up and get them to tell you.

Egg CC – Balance £2,300 (limit £2,500) APR 12.9%

Tesco Loan – Balance £5,000 APR 8.9% Length of term 60 months, 12 months to go

Overdraft - £800 (limit £1,000) APR 20%

The SOA will be the first thing any other user will ask you for and it's essential you get it as accurate as possible!


Also start a spending diary. Note down every single penny you spend each day. It's amazing where it all goes. I was spending over £30 a month on the drink and snack machines at work! That's a minimum £360 a year! :eek:

This is crucial in telling you where the "spare £300" a month goes!


Also below are the contact details of Debt Management Charities. They will not charge you a penny like other companies and are amazingly well thought of by people on these boards. In fact I don’t think I’ve heard a bad word about them yet.

They offer great financial advice and like I said are totally free to use.

You may have seen the adverts on TV saying "we reduced Mr Blogg's monthly payments from £1200 to only £300 per month and will be debt free in 5 years"! Ignore those (insert swear word here) leaches! The charities below offer you exactly the same service but for no cost!


Consumer Credit Counselling Service (aka CCCS)
Wade House
Merrion Centre
Leeds
LS2 8NG
Tel: 0800 138 1111
http://www.cccs.co.uk/

Payplan
Kempton House
Dysart Road
Grantham
Lincolnshire
NG31 7LE
Tel: 0800 917 7823
http://www.payplan.com/

Citizens Advice Bureau (aka CAB)
http://www.citizensadvice.org.uk/


Now you may have, or been tempted to, consolidate your debts. Now although I wouldn't totally disregard the idea quite often just shuffling your debts around can prove to be a far more cheaper and practical way to go about things!

There is a fantastic online calculator (link below) that you input all your debts and the amount you can afford to pay each month, and the calculator will tell you what debt to pay first and how much to pay each month. It also gives you a debt free date which can be a great motivation and a target to work to.

http://www.whatsthecost.co.uk/snowball.aspx

There are lots more things I could cover on here but I don't want to baffle myself too much, let alone you! :rotfl:

Everything I haven't included will be picked up by the other posters anyway so just concentrate what is on here first and we'll take things from there!


Lastly, if ever you need advice, comforting, encouragement, a shoulder to cry on, someone to rant to, or a kick up the !!!! (you know who you are ), there will always be sympathetic ears and polished boots on this board. :rotfl:

Good luck

SS

southernscouser

:doh:

I thought I'd got away with it!

http://forums.moneysavingexpert.com/showthread.html?t=592712

Thanks fermi! :kisses3:

fermi

southernscouser wrote: »

IThanks fermi! :kisses3:

None of that, I'm a bloke!!!!

:rotfl::rotfl:

southernscouser

fermi wrote: »

None of that, I'm a bloke!!!!

:rotfl::rotfl:

So? I'm not shy!