I’ve contacted uc and got an appointment with them, told work I’m going back beginning of March I just need to find a nursery do you know how to get help with Nursery costs? It really is hopefully I’ll get every thing sorted by next week xxx
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Age 38
No credit cards
£148k mortgage
£50,000 help to buy
No overdraft
I lease my car
No credit cards
£148k mortgage
£50,000 help to buy
No overdraft
I lease my car
When I had my appointment they calculated it all on the gov website. I earn £26k and get around £600 paid of a total of £1000 towards my childcare so it will defiantly help me. This is due to me being a single parent though. I cannot stay at home, I need to work so anything is better than nothing. Good luck x
I’m 23 and have no overdrafts or credit cards. I don’t have a student loan as I didn’t go to uni (baby at 18)
I have a few debts with catalogues and a credit card as a result of financial abuse/fraud by my abuser. The companies are aware and the debts have been defaulted so they don’t keep going up. Since they reached CCJ level I’m working on getting them removed from my credit rating. I probably won’t be able to afford a mortgage until they’re automatically removed anyway so it’s not urgent! I can still rent with a guarantor and don’t drive so don’t need car finance.
My genuine debts are: I owe £4 to eBay (failed listing) and have been banned for not paying it
I don’t agree on having to pay for a listing that didn’t sell. I don’t like their threatening emails over such a menial amount and will pay them the £4 when they speak to me like a human being! I also owe a couple hundred to Severn Trent from when they stopped doing paper bills without my knowledge. No idea how they got my email but it was an old one that I don’t use and only happened to see the overdue bills when I got hacked on FB and needed to access the old email to get back into FB. I also owe £40 to Klarna for some clothes but I’m in the process of moving next weekend and need the money for the deposit/first months rent so I’ve delayed it with them and they’re okay with it.
I personally don’t know any adult that isn’t in some sort of debt. Whether it’s credit cards, overdrafts, car finance, student loans etc. I don’t know if it is truly possible to live your whole life debt free unless you’re a millionaire
I have a few debts with catalogues and a credit card as a result of financial abuse/fraud by my abuser. The companies are aware and the debts have been defaulted so they don’t keep going up. Since they reached CCJ level I’m working on getting them removed from my credit rating. I probably won’t be able to afford a mortgage until they’re automatically removed anyway so it’s not urgent! I can still rent with a guarantor and don’t drive so don’t need car finance.
My genuine debts are: I owe £4 to eBay (failed listing) and have been banned for not paying it
I don’t agree on having to pay for a listing that didn’t sell. I don’t like their threatening emails over such a menial amount and will pay them the £4 when they speak to me like a human being! I also owe a couple hundred to Severn Trent from when they stopped doing paper bills without my knowledge. No idea how they got my email but it was an old one that I don’t use and only happened to see the overdue bills when I got hacked on FB and needed to access the old email to get back into FB. I also owe £40 to Klarna for some clothes but I’m in the process of moving next weekend and need the money for the deposit/first months rent so I’ve delayed it with them and they’re okay with it.I personally don’t know any adult that isn’t in some sort of debt. Whether it’s credit cards, overdrafts, car finance, student loans etc. I don’t know if it is truly possible to live your whole life debt free unless you’re a millionaire
I’m 24 and have £1,550 credit card, £250 PayPal credit, £400 very, £125 Klarna. House paid for in full so have no mortgage, and I manage each month on a disposable income if £2000 after all bills are paid but sometimes don’t have the extra ££ when I want something so I seem to get myself in debt to get it. Silly and vain really.
24. No mortgage currently. Bought my car outright. £100 on Next and £70 on Very. If I can’t afford something I either don’t buy it or I save for it. I use Next or Very for presents mainly, I have 7 birthdays between Nov-Jan one being my sons so it gets expensive around Christmas. Always paid back in full the month after though.
Close to £11k on a 0% credit card. 
I used to be so frugal and apart from our mortgage, my husband and I have never had debt.
My husband really pushed himself to complete a postgrad degree and a professional accreditation within a very short period of time, while working with full-time. He completed both with distinction and immediately received a huge promotion - then he had a nervous breakdown. I think that he just put so much pressure on himself that he burnt out and he ended up with very severe depression.
Luckily, he has private health insurance and received excellent care from a psychiatrist and psychotherapist, but it's been two of the hardest years of my life. I have felt so emotionally drained having to support someone who became like a zombie, and there were times where I felt too scared to go home after work because I thought I might walk into the house to find that he committed suicide.
As a pick-me-up, I started buying clothes, make up, beauty treatments like there was no tomorrow. When I felt low, spending £600 at a time buying clothes online or dropping £400 on make up and perfume perked me up for a bit. I spent thousands and thousands on my credit card without even considering how I would pay it off.
My manager eventually persuaded me to approach our private insurance and request a referral to a therapist for myself, because she became worried about the impact that my husband's depression was having on me. I really should have sought help from the beginning - I might have saved myself £11k and cupboards full of clothes that I don't particularly like or wear!
My husband is getting back to his old self, and our relationship is thriving, and I am so much happier these days. I've cut up my cards and am really committed to saving like mad this year to pay off as much debt as possible. I feel like my debt is a burden and a reminder of such a dark time in my life - it will be liberating to be rid of it.
I used to be so frugal and apart from our mortgage, my husband and I have never had debt.
My husband really pushed himself to complete a postgrad degree and a professional accreditation within a very short period of time, while working with full-time. He completed both with distinction and immediately received a huge promotion - then he had a nervous breakdown. I think that he just put so much pressure on himself that he burnt out and he ended up with very severe depression.
Luckily, he has private health insurance and received excellent care from a psychiatrist and psychotherapist, but it's been two of the hardest years of my life. I have felt so emotionally drained having to support someone who became like a zombie, and there were times where I felt too scared to go home after work because I thought I might walk into the house to find that he committed suicide.
As a pick-me-up, I started buying clothes, make up, beauty treatments like there was no tomorrow. When I felt low, spending £600 at a time buying clothes online or dropping £400 on make up and perfume perked me up for a bit. I spent thousands and thousands on my credit card without even considering how I would pay it off.
My manager eventually persuaded me to approach our private insurance and request a referral to a therapist for myself, because she became worried about the impact that my husband's depression was having on me. I really should have sought help from the beginning - I might have saved myself £11k and cupboards full of clothes that I don't particularly like or wear!
My husband is getting back to his old self, and our relationship is thriving, and I am so much happier these days. I've cut up my cards and am really committed to saving like mad this year to pay off as much debt as possible. I feel like my debt is a burden and a reminder of such a dark time in my life - it will be liberating to be rid of it.
I got into debt during university. As a household our income was high (mums partner earned a lot). However the man had a strong dislike towards me and even when I lived at home never spoke to me.
Anyway, due to his income I got minimum student loan which just about covered my rent.
Bills, food and of course the obligatory drinking was funded from a student loan overdraft.
Then got into private renting on a low income.
Total debt around the £10,000 mark
Anyway, due to his income I got minimum student loan which just about covered my rent.
Bills, food and of course the obligatory drinking was funded from a student loan overdraft.
Then got into private renting on a low income.
Total debt around the £10,000 mark
Aged 32
Debt wise the mortgage has £58,724 left
Credit card has £550
Loans for house renovation £9031 left
Loan for my car £8,000
I have an overdraft but I don't use it. Aim to pay off the car loan in two years and the renovation loan is three years. Money that I save will go towards paying off the mortgage early. If we moved in the next two years like planned then we will have a profit from our home sale which will pay off both loans sooner.
Debt wise the mortgage has £58,724 left
Credit card has £550
Loans for house renovation £9031 left
Loan for my car £8,000
I have an overdraft but I don't use it. Aim to pay off the car loan in two years and the renovation loan is three years. Money that I save will go towards paying off the mortgage early. If we moved in the next two years like planned then we will have a profit from our home sale which will pay off both loans sooner.
£400 overdraft
£1500 car finance
Student loan- god only knows
My partner and I have a joint income of about £50,000. Still need to buy a house and would really like to get married. Seems there's always something to pay for.
£1500 car finance
Student loan- god only knows
My partner and I have a joint income of about £50,000. Still need to buy a house and would really like to get married. Seems there's always something to pay for.
My other half only has his mortgage and he's going to pay it off within the next month or so.I’m 23 and have no overdrafts or credit cards. I don’t have a student loan as I didn’t go to uni (baby at 18)
I have a few debts with catalogues and a credit card as a result of financial abuse/fraud by my abuser. The companies are aware and the debts have been defaulted so they don’t keep going up. Since they reached CCJ level I’m working on getting them removed from my credit rating. I probably won’t be able to afford a mortgage until they’re automatically removed anyway so it’s not urgent! I can still rent with a guarantor and don’t drive so don’t need car finance.
My genuine debts are: I owe £4 to eBay (failed listing) and have been banned for not paying it
I personally don’t know any adult that isn’t in some sort of debt. Whether it’s credit cards, overdrafts, car finance, student loans etc. I don’t know if it is truly possible to live your whole life debt free unless you’re a millionaire
Do you mind me asking how you went around getting a mortgage? Im 23 atm, on a debt management plan that will be paid off around october. Got into too much trouble with payday loans at uni. Credit score isnt that great but doing my best atm to build it up. Any advice would be so appreciated - in the next few years my boyfriend and I would like to get our own house
My credit score is really good now but it’s taken 6-7 years to get to that point and being really careful with money (had a credit card with small limit which I spent a small amount on and paid off in full every month. Also stopped every getting things on finance too). My partner has perfect credit rating and always has done so the mortgage initially went in his name but I’m now on it too.Do you mind me asking how you went around getting a mortgage? Im 23 atm, on a debt management plan that will be paid off around october. Got into too much trouble with payday loans at uni. Credit score isnt that great but doing my best atm to build it up. Any advice would be so appreciated - in the next few years my boyfriend and I would like to get our own house
I was lucky to receive inheritance a few years back, Which went towards a house. A family member lent me the rest of the money towards my home which I pay back monthly. So by the time I am 40, I will be mortgage free which is amazing. I know I am very lucky! I wasn’t able to get a mortgage as I had history of a pay day loan on my credit history so any lender wouldn’t touch me 
i then got into around £10k worth of debt on 3 credit cards. Basically living a life I couldn’t afford so I used credit cards instead. I wouldn’t even be able to tell
You what I put on them. I got a bank loan to control the debt as it was getting out of hand with all the interest on the credit cards. January was my last payment and I can’t tell you how good it feels
i then got into around £10k worth of debt on 3 credit cards. Basically living a life I couldn’t afford so I used credit cards instead. I wouldn’t even be able to tellYou what I put on them. I got a bank loan to control the debt as it was getting out of hand with all the interest on the credit cards. January was my last payment and I can’t tell you how good it feels
Would you mind me asking how long ago your payday loan was before you were rejected by lenders? I took about 3 payday loans out about 5 years ago now, they were paid back early and in full. I haven’t used any since but don’t know if this would have an impact if I try for a mortgage in the near future.I was lucky to receive inheritance a few years back, Which went towards a house. A family member lent me the rest of the money towards my home which I pay back monthly. So by the time I am 40, I will be mortgage free which is amazing. I know I am very lucky! I wasn’t able to get a mortgage as I had history of a pay day loan on my credit history so any lender wouldn’t touch me
You what I put on them. I got a bank loan to control the debt as it was getting out of hand with all the interest on the credit cards. January was my last payment and I can’t tell you how good it feels
Mine was defiantly less than 2 years when I first applied for my mortgage. Halifax accepted me initially and took me right through to the valuation and then rejected me at the last minute. It was awful, I lost so much money in solicitors and I’d reserved my plot so I didn’t get any of the money back. Them pay day loans are so bad. Luckily there not as popular as they used to be. Good luck you should be fine with it being 5 years ago xx
Further to post #31, I just wanted to give an update:
• I won my appeal for PIP against the DWP (they changed their decision before it even got to tribunal) and was awarded enhanced rate for both daily living and mobility. The award is also now 'ongoing' and won't be reviewed again until 2029 (the original decision was only for three years) That means I keep my Motability car and I'm over £260 a month better off with the money that I do see (the mobility part of PIP is paid straight to Motability) as I only received low rate care DLA previously.
• We increased the credit card payment to £1,100 plus interest every month and have just made the final payment today so we have cleared the first £10,000 of debt and we now have no credit card debt at all and actually have money left in our bank account every month rather than being overdrawn
• We still owe just over £19,000 to my partner's parents which we'll start paying back in September. If all goes to plan, we'll be debt free in 19 months or sooner (still no word on the other £3,500 we owe them but I intend to pay that back too)
• My plan to 'do something nice every month' obviously took a hit with Covid and virtually everything has been rescheduled for next year but at least we have lots to look forward in 2021 and it's all already paid for
• I won my appeal for PIP against the DWP (they changed their decision before it even got to tribunal) and was awarded enhanced rate for both daily living and mobility. The award is also now 'ongoing' and won't be reviewed again until 2029 (the original decision was only for three years) That means I keep my Motability car and I'm over £260 a month better off with the money that I do see (the mobility part of PIP is paid straight to Motability) as I only received low rate care DLA previously.
• We increased the credit card payment to £1,100 plus interest every month and have just made the final payment today so we have cleared the first £10,000 of debt and we now have no credit card debt at all and actually have money left in our bank account every month rather than being overdrawn
• We still owe just over £19,000 to my partner's parents which we'll start paying back in September. If all goes to plan, we'll be debt free in 19 months or sooner (still no word on the other £3,500 we owe them
but I intend to pay that back too)• My plan to 'do something nice every month' obviously took a hit with Covid and virtually everything has been rescheduled for next year but at least we have lots to look forward in 2021 and it's all already paid for
Well done!!!Further to post #31, I just wanted to give an update:
• I won my appeal for PIP against the DWP (they changed their decision before it even got to tribunal) and was awarded enhanced rate for both daily living and mobility. The award is also now 'ongoing' and won't be reviewed again until 2029 (the original decision was only for three years) That means I keep my Motability car and I'm over £260 a month better off with the money that I do see (the mobility part of PIP is paid straight to Motability) as I only received low rate care DLA previously.
• We increased the credit card payment to £1,100 plus interest every month and have just made the final payment today so we have cleared the first £10,000 of debt and we now have no credit card debt at all and actually have money left in our bank account every month rather than being overdrawn
• We still owe just over £19,000 to my partner's parents which we'll start paying back in September. If all goes to plan, we'll be debt free in 19 months or sooner (still no word on the other £3,500 we owe them
• My plan to 'do something nice every month' obviously took a hit with Covid and virtually everything has been rescheduled for next year but at least we have lots to look forward in 2021 and it's all already paid for
I am 50
No debt. Don't own a house.
Husband has car loan and we have finance on a few bits of furniture.
I got into huge store card debts in my 20s which took years to pay off and so I am a bit scared of any type of credit now.
No debt. Don't own a house.
Husband has car loan and we have finance on a few bits of furniture.
I got into huge store card debts in my 20s which took years to pay off and so I am a bit scared of any type of credit now.