- Notice
ginge2804
VIP Member
I’m sorry but I don’t feel sorry for her.
SHE chose to quit her secure, salaried job.
SHE chose to continue self employment when it clearly wasn’t sustaining her lifestyle.
SHE chose to take the entire summer off despite being in 40k+ debt
And SHE did all this after already getting herself out of 30k worth off debt.
I hope mr hinge doesn’t help her. She already got a large part of the first debt written off and learnt nothing. She still takes no accountability for her poor money skills and instead blames it on ‘lack of income’ which is apparently not her fault. She needs to take a look in the mirror and realise SHE needs to make changes and fast
SHE chose to quit her secure, salaried job.
SHE chose to continue self employment when it clearly wasn’t sustaining her lifestyle.
SHE chose to take the entire summer off despite being in 40k+ debt
And SHE did all this after already getting herself out of 30k worth off debt.
I hope mr hinge doesn’t help her. She already got a large part of the first debt written off and learnt nothing. She still takes no accountability for her poor money skills and instead blames it on ‘lack of income’ which is apparently not her fault. She needs to take a look in the mirror and realise SHE needs to make changes and fast
MissPiggyLidia
Active member
delulu is not the solulu has me crying
gimmegimmegrace
Active member
I just don’t understand how, in the state this country is in, with food bank usage and homelessness etc, she can happily post one day about going on UC, then the next saying she has turned down a job offer because the salary was only 65k which is ‘considerably’ less than she is looking for, and she gets absolutely no comments calling her out??? I fully believe in the welfare system, I just cannot wrap my head around seeing children on the news who only eat properly thanks to their free school lunches, when a woman who has chosen not to take a salary bigger than many of us could ever dream of is getting benefits to keep on top of mortgage payments on a house many of us could never dream of living in!! Sorry for the rant but god she needs to have a little perspective
Whatever22
Member
Not her trying to queue up for Oasis tickets, because despite being 40k in debt, in a year’s time when the concert will happen “her situation will be entirely different”…
Yeah, probably 80k in debt with this attitude
Yeah, probably 80k in debt with this attitude
Whatever22
Member
Shocker - she paid £700 for 2 tickets.
Yet she has no money to pay her mortgage, and had to go interest only…
She literally thinks she’s playing with monopoly money.
I have 30k in savings and emergency funds, and would never consider paying £350 a pop for a ticket.
Yet she has no money to pay her mortgage, and had to go interest only…
She literally thinks she’s playing with monopoly money.
I have 30k in savings and emergency funds, and would never consider paying £350 a pop for a ticket.
Whatever22
Member
Little insight into her shopping habits. Boots currently has a 3% cashback rate (although I believe they had it for 9-10% temporarily in November).
That means she spent at least £478 on that single order…
And this would’ve been a few months ago when she knew she was in 30k of debt and climbing.
I just can’t imagine spending close to £500 on a single online order for toiletries and makeup.
saltandvinegarcrisps
Chatty Member
Imagine being a hiring manager Googling her and loads of crying videos come up... surely that's going to put companies off??
callum_murray
Active member
Can we also acknowledge the fact that she has NEVER mentioned this £200 expenditure in her budgets. So thats a slip of the tongue that she spends money on the dumbest shit and never tells anyone the truth!
callum_murray
Active member
Who the fuck wants daily news from her? Ahahahaha
"Woke up at 11am cause of my autoimmune/ADHD/ozempic side effects. Ordered £300 worth of tat for the kids, it's fine though as it was on discount and would have cost me £350 otherwise. Got greasy hair done cause #selfcare. Got sitter for the dogs to go to gym with phantom boyfriend, he's so good to me. Ordered in from Deliveroo, my ADHD means I can't throw the rubbish in the bin so will look at that for the next two weeks Xoxo"
ohmyreally!
Well-known member
Goodness me, what did she say to Stepchange for them to be horrific?
Long story short, I've been dealing with step change for 10 years now and I've had nothing but excellent service and advice from them. Due to the nature of my work, I have to be on a DMP otherwise I would be jobless and I still have a good 6 years left before my debt is paid off. They do recommend IVA or bankruptcy as part of their review but every year I have to decline due to my career. Without Stepchange, I would most likely not be here today.
ohmyreally!
Well-known member
Will have to search back and see. Funny really as I was first drawn to her due to budgeting and money worries myself. I came back today from a city break with my little one. We had the best time and not a credit card in sight. I budgeted/saved for the flights from jan-june. Purchase flights in July. Budget/saved for hotel and spends jul-nov. It was lovely to not use credit - first time for me and I'm so proud of myself! We ate cheap (McDonald's and Xmas market food). Had big breakfast at hotel and took pastries for snacks from the breakfast buffet. In the past everything went on credit. Not anymore and I'm so happy I'm sorting myself out.
MissPiggyLidia
Active member
Who else thinks she has the hoover sat in her lounge as she thought amazon would just give her a refund without any questions and she is now kicking up a fuss as she was planning on using that money to 
not pay her debts
not pay her debts
Coconutclub
VIP Member
Shes's got a load of views on her step change posts so I doubt those will be the last.
I'm not sure what they lied about? Her explanation vidoe sems to make sense to me, why is she so shocked by it? I'm so confused.
As others have said why is she so obsessed by her credit score?? I thought she was never going to borrow money again. What does she need this perfect credit score for? If she has a mortgage in place as she has- she can remortgage with the current lender. They have to let you do that and offer a good rate. I've not moved my mortgage for the last 2 rate changes as the rate of interest has been fine - maybe not the absolute most competitive rate on the market, but you have no guarantee of getting that headline rate anyway. I doubt she would have her pick of rates. I was a mortgage adviser until recently and have set up my own business so I'm not keen on moving as my affordability is not as good as when I was employed at the moment and I know how picky lenders are these days, but I have been happy keeping it with the lender and intend to do so for the next rate change. She would be absolutely fine having a hit to her credit score, just sticking with the current lender and having the next say 5 years living on a tighter budget. A perfect credit score, but struggling to make ends meet makes no sense to me.
She says step change want to 'push her' towards a payment plan that reduces payments, but not reduce the debt. So it will take years to pay off. Well yes - the point of a payment plan is to reduce the burden of repayments paying a 'token amount' for a period of time is exactly what many people need to get back in to a place where they can afford to live and not have to declare bankruptcy. She also says she didn't expect to have her debt written off (which is technically what an IVA could do) so what was she expecting them to suggest?? Its either a payment plan which she is outraged at being offered, an IVA (which you CAN have with a mortgage) but is difficult to get through or bankruptcy; thats what step change do they support you through the options for unmanageable debt and they are the options!!
When she says oh they were really vague and said things like 'oh it would impact your acore like a missed payment' thats true! Why is she upset? This is also an exploration call, they explain the options in a basic way - believe me I've helped many people with IVAs and payment plans and you get given a lot of support and information and you have a case manager etc - but 1 - they don't need to do that initially and 2 - the person she spoke too isn't the specialist - they are the first point of call.
I hope she doesn't put people off Step change - my gut instinct is that she wanted an IVA realised or was told she wouldn't get one, or found out that an IVA isn't the easy option she may have thought and your finances are then scrutinised constantly and any 'windfalls' or lucrative bonuses or sponsorships will be taken for creditors even years in.
Sorry long post!! I'm a money geek. Also the audacity of her to be upset that an accountant makes money out of those in debt (lots of people do its a huge industry) when she charges people for money courses and pretends to cash stuff - for views- pretending it helped solve her original money crisis. At least the accountant understands money!!
I'm not sure what they lied about? Her explanation vidoe sems to make sense to me, why is she so shocked by it? I'm so confused.
As others have said why is she so obsessed by her credit score?? I thought she was never going to borrow money again. What does she need this perfect credit score for? If she has a mortgage in place as she has- she can remortgage with the current lender. They have to let you do that and offer a good rate. I've not moved my mortgage for the last 2 rate changes as the rate of interest has been fine - maybe not the absolute most competitive rate on the market, but you have no guarantee of getting that headline rate anyway. I doubt she would have her pick of rates. I was a mortgage adviser until recently and have set up my own business so I'm not keen on moving as my affordability is not as good as when I was employed at the moment and I know how picky lenders are these days, but I have been happy keeping it with the lender and intend to do so for the next rate change. She would be absolutely fine having a hit to her credit score, just sticking with the current lender and having the next say 5 years living on a tighter budget. A perfect credit score, but struggling to make ends meet makes no sense to me.
She says step change want to 'push her' towards a payment plan that reduces payments, but not reduce the debt. So it will take years to pay off. Well yes - the point of a payment plan is to reduce the burden of repayments paying a 'token amount' for a period of time is exactly what many people need to get back in to a place where they can afford to live and not have to declare bankruptcy. She also says she didn't expect to have her debt written off (which is technically what an IVA could do) so what was she expecting them to suggest?? Its either a payment plan which she is outraged at being offered, an IVA (which you CAN have with a mortgage) but is difficult to get through or bankruptcy; thats what step change do they support you through the options for unmanageable debt and they are the options!!
When she says oh they were really vague and said things like 'oh it would impact your acore like a missed payment' thats true! Why is she upset? This is also an exploration call, they explain the options in a basic way - believe me I've helped many people with IVAs and payment plans and you get given a lot of support and information and you have a case manager etc - but 1 - they don't need to do that initially and 2 - the person she spoke too isn't the specialist - they are the first point of call.
I hope she doesn't put people off Step change - my gut instinct is that she wanted an IVA realised or was told she wouldn't get one, or found out that an IVA isn't the easy option she may have thought and your finances are then scrutinised constantly and any 'windfalls' or lucrative bonuses or sponsorships will be taken for creditors even years in.
Sorry long post!! I'm a money geek. Also the audacity of her to be upset that an accountant makes money out of those in debt (lots of people do its a huge industry) when she charges people for money courses and pretends to cash stuff - for views- pretending it helped solve her original money crisis. At least the accountant understands money!!
HmmmReally
VIP Member
Who makes this mistake twice. Honestly
She already took money from her house and paid all her debts. Not even two years later she’s in a worse position than she was
She already took money from her house and paid all her debts. Not even two years later she’s in a worse position than she was
heretoreaditall2019
VIP Member
That is actually insane - at £100ph you could speak to actual FCA regulated wealth manager/IFA, not someone £50k in debt forced to sell their home?
heretoreaditall2019
VIP Member
I’m sorry but £300 on a vacuum when you’re £37k in just credit card debt is insanity 