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Debt, debt and more debt.

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  • Oh my goodness!! What a PIG!! This worries me - I’m fresh out of a relationship and will probably end up on a dating site at some point. I don’t want to meet another cheating, lying, manipulative narcissist 😩

    That’s great that you can run 5K in 33 minutes! Well done 😊😊
  • janb5
    janb5 Posts: 2,673 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Well done Emma for checking his picture and maybe the way to go is to stay on the site but to block him?  Don`t be discouraged by a rotten apple- I`m sure there are some good people around!
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    You're amazing. You just keep picking yourself up and keep going forward. You are so strong and capable I'm in awe of you. I love that you're doing the running and the selling. Talk about taking the initiative! Keep doing what you're doing as you are clearly the most capable person for the job. I don't think I would be as strong as you xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    And sorry about that idiot. I think its just bad luck. Nothing about you. Just idiots like him. Xxxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    I don't believe credit building companies do anything. I wouldn't touch one. Rebuilding your credit is taking out new credit. You need to work out if you are ready to do that. How long has it been since you started your dmp? You might have an easy job applying for a credit card by now. And you know the drill - just put one on thing on it a month and pay it off.
    Hope you get some decent sleep xxxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 15 January 2021 at 12:27PM
    You should not  be applying for credit cards if you are on a DMP. It is an unregulated agreement (just checked) so nothing to stop you applying but you are unlikely to get accepted and it may be too tempting for you not to use it and build up debt on it. 

      Well done on the running. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
    Save £12k in 2025 #1 £12000/£8000
  • Suffolk_lass
    Suffolk_lass Posts: 10,283 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Rather than a credit-building company I would check and follow the guidance on the main site here and on the credit club to check the impact. It fits well with your ethos of being more self reliant and having control, and you are not making money for someone else with a gimmick
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Primrose
    Primrose Posts: 10,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've been Money Tipped!
    Emma,  sounds as if emotions are running high with everybody.  Yiur house, your rules, althiugh everybody needs to try and pull together as a team.
    Is it time for you to get everybody sitting down together for a civilised discussion about how to make this situation work or you will sure risk end up u doing all the emotional progress you've made in recent months.  Perhaps rehearse your tactics when alone out on a run or a walk so you can clear your head and work out the message yiu need to get across.   Good luck.  Life is proving difficult for everybody at the moment but even teenagers and the elderly I'm afraid have to try and master their tempers and exercise a little self discipline if we're all to get through the current stressful times intact. 
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    How much longer will they be with you? I wouldn't stand that sort of behaviour in my house. She can always go back to your sisters if she doesn't like how you run your house .

    However I imagine it's all getting on top of them as well as you. 


    Debt free Feb 2021 🎉
  • Three generations cramped together in one place would be challenging for anybody especially if it is going to be for months! A "clear the air" meeting would be helpful to set boundaries because from your previous posts your mom seem to frequently undermine you in front of your children. Maybe they need to rent a place and move out or help you rent a place so you can sleep and rest properly.

    I noticed every time you are getting mentally stronger and physically fitter, they seem to be somewhat jealous and try to drag you down. Look after number 1 which is yourself!
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