23 May 2015

Tuesday 4th November

A question about : Tuesday 4th November

When we start out on the DFW trail we do loads of big stuff that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym .

But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in fact the small steps are helping us form good financial habits and helping us get closer everyday to staying in control and becoming debt free, or staying debt free.

23 May 2015

Finally rang Step Change

A question about : Finally rang Step Change

23 May 2015

What to pay off first?

A question about : What to pay off first?


I am new to this and looking for some advice so any would be greatly appreciated.

I have a few loans and credit cards for various things (cars, home improvements), they are;

1. Tesco C/Card ( 0% remaining for 30 months) - Balance Ј5259
Repay Ј100 p/month

2. Halifax C/Card (0% remaining for 12 months) - BalanceЈ4200
Repay Ј100 p/month

3. M&S Loan (7.9%APR) - Balance Ј8483 - Ј161.12 monthly payment (not sure if I can do extra payments)

23 May 2015


A question about : DMP

I have been on a DMP for 2 years now and finally had the courage to see my credit report with Experian. All my credit card companies are shown as defaulted accounts but my accounts with Barclaycard are showing as continual late payments.

My rating is 'Very poor' and it appears that some of this is due to barclaycard not defaulting.

Is my reasoning correct and any advice on this?