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Mbna
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Just start at the beginning and write as much or as little as you want. We'll ask for extra details if we need them and you might end up saving a few pounds or being debt free a little quicker.He huihuinga taangata he pukenga whakaaro – A meeting of people; a wellspring of ideas (Maori proverb)0
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These stories seem surreal, it easy to see why someone would say get real
It's bound to happen that people get badly in debt. In the middle 80's I owed about £1200 on Barclaycard, the balance just crept up over time and the interest was about 2.2% per month £26 My take home pay at the time was about £750pm so it wasn't that much but I hated it and I just couldn't seem to get it down. I don't think I could sleep at night with the numbers you guys are coming up with. The only interest I pay now is on my mortgage and I make sure I pay as little as possible on that.
I like a little gamble and think I'm good at it, the thing with me is that I only bet what I can afford to lose and enjoy the thrill, anyone who isn't good with money isn't going to make a good gambler, it's very simple.0 -
I'll tell you sommat I have come to realise, Doodle.....perhaps Honey has experienced this strange phenomenon too.
When I owed a relatively small amount.....say, ten or fifteen grand......I couldn't sleep at night.
That kind of debt was payable with a lot of years and hard work.
Now that I owe 100K. I sleep perfectly well.
Because I know I cannot ever hope to pay it off......therefore the stress of worrying how to pay it off has gone.
I merely service my debt nowadays.......thankful that I am a man in his fifties who knows that nowt, including life itself, lasts forever.......and that time marches on inexorably.
I would hate to be twenty years younger and beset with debt.
One day me and Mrs. J will be dead.....and MBNA, Capital One, Barclaycard and all the rest of the usurers who have enticed the ordinary people of this country into a Dantesque existence will be out of pocket.0 -
I am also in debt and on a DMP with CCCS. My debt compared to yours is reletively small 34K but i have to agree that i now sleep at night too. When i owed my father £500 many years ago i scrimped and saved to pay him back as he was coming up to retirement. Ok so yes he has more moeny than i will ever see but he was to become a pensioner. When i first admited that my debts were out of comtrol i was in a terrible state major depression added to a major flare up with a disabillity that i have any way. Since i put it ll into the hands of CCCS and read all i could and still do daily on here i cope extreamly well with it all. I have a problem at the moment with Open + Direct, i just wish they would issue a default notice and send it to debt collection instead of hassling me and adding on £100 charges a time. I would never recommend their services to anyone! CCCS have told me to send the original copy of their letter charging me to the office of fair trading which i shall be doing and to also send the copy of the letter to O+D.
I look at the amount of people on here who are in debt and wonder if the world has gone mad. It seems far too easy to get into debt these days in fact my problems started with LLoydsTsb throwing this loan at me that loan at me which i accepted in order to get out of there. I really didnt know what i was doing and now i'm paying it all back. I didnt have to take the loans out, i did. I signed, its my debt. I really do wish you well and i understand you not telling your partner of the extent of your debt as the only people who know about mine are 3 true friends and my son, my family have no idea and i have no intention of telling them. I did actually lose a friend over my debt problem as i didnt have any money to send for her sons birthday but with hind site she obviously was never a true friend and i'm better off without her. As i said I really wish you well and i hope you manage to get back on track :beer:0 -
Justindebt wrote:I'll tell you sommat I have come to realise, Doodle.....perhaps Honey has experienced this strange phenomenon too.
When I owed a relatively small amount.....say, ten or fifteen grand......I couldn't sleep at night.
That kind of debt was payable with a lot of years and hard work.
Now that I owe 100K. I sleep perfectly well.
Because I know I cannot ever hope to pay it off......therefore the stress of worrying how to pay it off has gone.
I merely service my debt nowadays.......thankful that I am a man in his fifties who knows that nowt, including life itself, lasts forever.......and that time marches on inexorably.
I would hate to be twenty years younger and beset with debt.
One day me and Mrs. J will be dead.....and MBNA, Capital One, Barclaycard and all the rest of the usurers who have enticed the ordinary people of this country into a Dantesque existence will be out of pocket.A clean house is the sign of a broken computer!0 -
>> So I set out every day to make £100 betting.
And you know the sad thing?
I can do it.
I regularly make three grand every month......if I didn't have this debt hanging over me I would be lining on easy street without having to work as such
Are you sure you're not counting the winnings and ignoring the losses?
Must admit it sounds doomed to failure - but then I know nothing about horses and I guess you know a lot.
Interesting lifestyle (would like to say "choice" but...).
How long have you been servicing the debt in this way?
Thought about writing a book or offering a betting advice service?0 -
Nope...I make a topt each day and balance the winnings against the losings and have, fortunately, made an average of £100 a day.
The crunch for me came at the turn of the year when I could no longer pay my debts with what money I had and by shunting one debt on to another card.
I had a long, hard look at my life and asked myself what I could do.
Taking a regular 9 to 5 was out of the question because I would have needed to be taking home in the region of three grand a month just to live on and service my debts.
I don't bet horse as such.....I go for systems regarding points allocated to the favourites and where they finish in a race....or the aggregate distances at race meetings.
Yesterday, for example, I won £130.
Today I made £50.
I just take one day at a time.....and have just now, online, paid my EGG card for this month.
I will see what tomorrow brings....my next pending bill is with HalifaxOne...£70 I need to pay that by Friday.
This is no way to live....but unfortunately it is my last best hope.
Actually, I am trying to write a book at the moment.....all about a man falling from grace and into debt.0 -
betting systems - *sigh*I've heard it before and Ive seen people get burned. Why are the bookies not going bust, but opening more shops and online gaming sites?
The problem with systems is the stake you put down is high for small return and if you lose- its gone. I dont doubt that you can win, but what if you lose? You start chasing your loses...with higher stakes. The immediate problem is'nt debt - its gambling.0 -
Another day, another dollar.
Made £220 today on my system....and I have been able to pay one of my Bank of Scotland cards tonight, before this month's bill has even arrived.
:beer:0 -
Got any tips for me! lolA clean house is the sign of a broken computer!0
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