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.

A question about : Finally rang Step Change

A question about : What to pay off first?

Evening,

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)

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?

Thanks

A question about : New dmp....what happens to mortgage?

Hi all

A question about : Debt

So, my husband and I have a credit card and it's in his name (but I also have a card).

He's been at sea for last few months and I finally logged into his account to look at statement. We owe around Ј6,000. Although, I did pay Ј700 off straight away. I probably owe next around Ј1k.

I'm a stay at home mum at the moment - we have two children and another on the way.

Money wise my hubby earns around Ј40k per year and we get child benefit plus about Ј100 a month from my ex in maintenance.

A question about : Debt Help / Ideas

Hello all I am just after a bit of advice please.

My current debt is as follow....

Credit Card 1 = Ј2122.65 (18.9%) - I pay min Ј50 a month
Credit Card 2 = Ј6775.72 (0%) for 28 months - I pay min Ј146 a month
Loan = Ј5326.38 (9.4%) 29 payments left !!! - Ј181

I would like to get my monthly payments lower and STOP paying interest. I won't mind getting rid of the loan and credit card 1 by using a balance transfer on a 0% credit card. Is that a good idea? All advise and help would be gratefully received.

A question about : a wee question...

Hello everyone. Hope all the dfw's are doing well with their journeys.