We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.
📨 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!
Time to start a Fresh part 2, 2022!
Options
Comments
-
You'll get there, Jade, & I have to say I don't think you'll ever get into debt again. It's wonderful paying off the final chunk, making every penny you earn your own at last.
Best wishes for 2022 & lots of paying-off.
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (29/100)
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)2 -
The dreaded lurgy has caught up with you! I’ve put aside 5 holiday days at work to take if I need to self-isolate with this nonsense.
Just reading a post from today and thought I don’t ever recall you mentioning you checking all 3 CRA’s to ensure all data correct etc. Have you done this?If you believe you can, you will. If you believe you can't, you won't.
Secured/Unsecured loans x 1
Credit Cards x 8 (total limit £55,050)
Creation FS Retail Account x 1
Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
0% Overdraft x 1 (£0 / £250)
Mortgage Outstanding - £137,707.00 (Payment 13/360)
Total Debt = £7,400 (0%APR) @ £100pm - Stoozing1 -
MrFrugalFever said:The dreaded lurgy has caught up with you! I’ve put aside 5 holiday days at work to take if I need to self-isolate with this nonsense.
Just reading a post from today and thought I don’t ever recall you mentioning you checking all 3 CRA’s to ensure all data correct etc. Have you done this?
Uh no, I don't even know what that is? How do I go about this?I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Afternoon all,
Not much going on today just chilled day. Sainsburys has had a payrise so now from March I'm on £10PH but between 4am and 7am I'll be on £12.25.which is more than my current job.
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=12 -
Good news with the pay rise.
There are some free Credit Brokers that link in to the 3 main Credit Reporting Agencies (Transunion/Equifax/Experian), if you haven’t already it’s worth signing up and checking each one to ensure all data held against you is correct. You might even find a 0% balance transfer option.
Credit Karma - Transunion reporting
MSE Credit Club - Experian
Clearscore - EquifaxIf you believe you can, you will. If you believe you can't, you won't.
Secured/Unsecured loans x 1
Credit Cards x 8 (total limit £55,050)
Creation FS Retail Account x 1
Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
0% Overdraft x 1 (£0 / £250)
Mortgage Outstanding - £137,707.00 (Payment 13/360)
Total Debt = £7,400 (0%APR) @ £100pm - Stoozing2 -
MrFrugalFever said:Good news with the pay rise.
There are some free Credit Brokers that link in to the 3 main Credit Reporting Agencies (Transunion/Equifax/Experian), if you haven’t already it’s worth signing up and checking each one to ensure all data held against you is correct. You might even find a 0% balance transfer option.
Credit Karma - Transunion reporting
MSE Credit Club - Experian
Clearscore - EquifaxI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
So, due to me being off with covid until Wednesday at my main job my boss has put me in as sick for holiday which is fine. BUT, what's annoyed me is that its unpaid. Yet Sainsburys are paying me in full for being off.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Sick pay is at the discretion of the company and will always be outlined in the Contract of Employment. Statutory sick pay isn’t worth the paper it is written on! Sainsburys do well for things like this.If you believe you can, you will. If you believe you can't, you won't.
Secured/Unsecured loans x 1
Credit Cards x 8 (total limit £55,050)
Creation FS Retail Account x 1
Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
0% Overdraft x 1 (£0 / £250)
Mortgage Outstanding - £137,707.00 (Payment 13/360)
Total Debt = £7,400 (0%APR) @ £100pm - Stoozing2 -
jadewest94 said:So, due to me being off with covid until Wednesday at my main job my boss has put me in as sick for holiday which is fine. BUT, what's annoyed me is that its unpaid.And they wonder why people go in to work when they are sick!!! I'm retired now but when I was working they cut the sick pay down from 4wks to 1 week. The number of people who came in to work after that when they were really too sick to was not good. There were not many of us but a couple of us used to say don't come near me & I'll make my own coffee (even though it's your turn). I think it cost them more in lack of co-operation & productivity than they saved in sick pay.I was thinking what about your career progression that you may not have with Sainburys but sometimes that matters less if they are nice to work for.2
-
badmemory said:jadewest94 said:So, due to me being off with covid until Wednesday at my main job my boss has put me in as sick for holiday which is fine. BUT, what's annoyed me is that its unpaid.And they wonder why people go in to work when they are sick!!! I'm retired now but when I was working they cut the sick pay down from 4wks to 1 week. The number of people who came in to work after that when they were really too sick to was not good. There were not many of us but a couple of us used to say don't come near me & I'll make my own coffee (even though it's your turn). I think it cost them more in lack of co-operation & productivity than they saved in sick pay.I was thinking what about your career progression that you may not have with Sainburys but sometimes that matters less if they are nice to work for.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=13
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.7K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.4K Mortgages, Homes & Bills
- 176.8K Life & Family
- 256.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards