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I dont know where to start to be debt free??
Hi Iam about 4.000 in debt and i dont know where to start to get debt free. Iam 30 and married with 2 children and 1 due in Feb 2011, i have been getting letters saying people will come to my house if i dont pay and saying about court and i have spoke to someone regarding every letter i have got but just finding it so hard…
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Am I safe?
Hi, I apologise in advance because I have a lot of questions and I'm panicing because starting a DMP. I applied online for a dmp with cccs, have sent all my info to them that they need so I'm now waiting but have questions... I opened a new bank account so my benefits will be paid into the new account now- is my money safe…
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Tickle me with a slightly damp fish
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Payrise of £5,670.- in a year - can I do it?
I am fed up with trying to manage with the income I have. Especially after doing benefit calculation it seems that council is underpaying my housing benefit by approximately £100.- per week. Hence being seriously out of pocket and getting in arrears with child care costs and not having been able to pay back money that I…
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Shifting a 24K debt in a year?????
I’ve been lurking for a while and finding a lot of motivation from reading other people’s diaries, so have decided maybe it would help if I start my own! I apologise now as this will no doubt be a lengthy post. I’m 26 and my debt at LBM in April of this year was £24,917. I’m kicking myself for this as I had what I thought…
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time to sort things out- advice please!
Im new here and need advice on how to get my finances sorted! ive got myself into a mess over the last couple of years whilst ive been on maternity leave- ive had 2 children in the last 3 years. this has obviously reduced my income, and now im working again but only part time which doesnt help. my approx debts are as…
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Attack Debt & Begin Life at 40
I have started a diary on here before, so here goes again. All our married life my husband and I have had debt, now 16 years on and 2 children later things have not changed. Our credit card debt has now totalled at just under £34000 at the end of January. We have had many lovely holiday's, have a lovely home, but I could…
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My journey to stay out of debt and hopefully save some along the way!
Firstly, I would like to point out that I am not in debt. Well not a *bad* debt! I do currently have a student loan though. And also have access to a very large bad overdraft which I occasionally go into. I'm currently in my third year of university studying Fine Art. For my first year (2008) I lived in catered halls, and…
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SAHM to 2 boys Money Diary
Well, after reading what seems like every diary on here and loving the information and support people give I have decided its time to start my own. I must be honest and confess that I did have another user name and use to post on the boards regularly however my user name was very similiar to my real name and I got the…
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Spreadsheet help
Hi, I really want to put all my finances on to a spread sheet but struggling with how to lay it out, does anyone have a template or an example they could perhaps share with me? thanks in advance - Moneytroubles xxxx
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Reality has hit home - time to take action
Hello, Well I've only just found this website over the last few days and found it very helpful to deal with my MBNA cc problem earlier in the week. My problem made me sit up and take stock of my current debt as I am finding myself in a recurring cycle - take out a loan to clear of cc's only to run up cc's again and have to…
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Just the beginning of the F&F battle....
Hi All, I'm new to this diaries business, but I thought that as I have regularly searched for other peoples experiences on F&F offers that I would start one as we have just received a lump sum that we plan to use for F&F offers and this way I could record our roller coaster for others to read and see what responses we have…
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Living with the shame : how to keep my self esteem
Is it shame I feel or just a whole host of ghastly emotions. One moment life feels good and the next it feels dark and scary.There are days when I ask myself how did I get here in this mess again!!!! I know my childhood role models certainly had an influence on me and the decisions I make, don't get me wrong , I'm not…
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So much to save for
I've been reading on this site for years posting the odd comment but never really utilising the site to its full potential, so now I'm going to! A bit of background for you I'm 27 (and a half) I've been with my fiancee for 15 months although we've been friends for about 10 years and our daughter arrived in February this…
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Saving for a new SMILE diary
I used to have a diary, but i sorta fell of the MSE wagon so i am going to start a new one. I don't really have debt as such, i owe my OH some money, but he has said i can pay that back when i can, so i'm not going to include it. Obviously i'd like to pay it back ASAP but he knows and is happy that i want to save at the…
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Welcome to Avenue Q
This is me dipping my toe into Diaryland. I need to make myself answerable to myself and keep myself motivated to stick to my budget and pay off my debts. I had my LBM about 2 weeks ago. Since then I have cried, shouted and sulked (very mature lol !!) but realise I have no-one else to blame but myself for burying my head…
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Looking forwards, not backwards
My lightbulb moment came 5 weeks ago. After messy divorce had left me with a huge mortgage and loads of credit card debt. I had been juggling credit cards but was no longer able go get favourable balance transfer rates which forced me to face up to the mess that I was in. I called the National Debt Line and they advised me…
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3 years til DS1 goes to Uni and 6 years for DS2
It is 3 years time when DS1 plans to go to University.He is in yr11 at present studying for his GCSEs. In order to help him as much as possible I figured we need to sort as much as possible out from now. He is adamant that myself and his father will not be going into debt to pay for him to go and he already has a parttime…
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Good times for a change.. See, the luck I've had can make a good man turn bad..
Hello all! I've been lurking on these boards for a while. I feel that maybe I shouldn't be on the DFW boards, as I myself am not in debt - however I feel that I'm wanting to get more of a life out of the pennies I earn, and to try and get nearer to the life I want to live, as opposed to just plodding on with things... Six…
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Project Budget starts here - clear the debt and save for second childhood
OK - very nervously going to start a diary... Well - here's the story - I am in my thirties, married, 3 kids, we bring in a reasonable amount of money between us - but have a massive mortgage (cos we only bought a house 4 years ago, long story - some other time;)). We have about £1400 of debt - which if I stop being lazy…