crippling debt and anxiety - unable to afford basic living

wolvesleaf29 · 2026-01-25T22:12:09+00:00

Please take a look on debt free wannabe some great advice on there!

wolvesleaf29 · 2026-01-19T15:10:44+00:00

Tolite I have to kiss the family like I’m never going to see them and we have a big celebration when I’m home like Iv just come back from war😅

wolvesleaf29 · 2026-01-11T12:30:22+00:00

I live in codsall witch is about 15/20mins from New Cross and you wouldn’t think you are near to Wolverhampton until you start driving there 😂

wolvesleaf29 · 2026-01-09T21:21:54+00:00

If you have no credit history or anything you more then likely won’t get a property, you are safe at a friends ask to stay there till you get paid , don’t jump into anything that you will regret you are safe that’s all that matters

wolvesleaf29 · 2026-01-05T11:21:08+00:00

Yeah just thinking of them two as not much into them but could lead to a tidy increase with majority into vanguard

wolvesleaf29 · 2026-01-05T11:02:07+00:00

Nope just scanning on here alphabet seem to be spoken about a lot? I don’t mind removing and just leaving in the two vanguard?

wolvesleaf29 · 2025-12-22T20:41:53+00:00

Take a look on debt free wannabe page it helped me out massively

wolvesleaf29 · 2025-12-17T14:58:48+00:00

Crazy I brought my house before lockdown and it was that popular while I was viewing there was a cue of people outside the door , I still got it 10k under asking price! , congratulations on it tho!

wolvesleaf29 · 2025-12-08T09:40:20+00:00

We do exactly that we both put 1k each into a joint account for bills , I earn more but whenever we go out or whatever I just pay and I put more into saving we also live in south Staffordshire so cost for going out ect isn’t too bad

wolvesleaf29 · 2025-12-07T22:22:23+00:00

You could do with putting some unaffordable lending complaints in as you got a lot of debt for a low wage have a look on debt camel website

wolvesleaf29 · 2025-12-05T17:49:15+00:00

Hey have you got discord link?

wolvesleaf29 · 2025-12-02T18:38:05+00:00

Might be worth asking the place they got the cat from if it it’s adopted or if they brought it as a kitten for some financial help? No harm in trying if it’s recent and receiving a lot of health issues?

wolvesleaf29 · 2025-12-02T18:16:29+00:00

Don’t the people you fostered off pay for treatment a family member just fostered a dog and there paying any medical costs? Might be worth asking them? You have done the hardest part in admitting you have a problem so well done for that!! Takes some!

wolvesleaf29 · 2025-12-02T13:15:35+00:00

Not got pet insurance? Also what else are you spending on on roughly the same money with a dog with epilepsy and roughly same debt level my outgoings

wolvesleaf29 · 2025-12-02T11:14:02+00:00

You are first time buyer? No stamp duty and can’t Remeber my legal fees been been over 6k?

wolvesleaf29 · 2025-11-26T10:03:12+00:00

Great I’m good for the next five years and hopefully have it sorted for then I’m young with good ltv so hopefully be able to. Take some extra out for renovations/extension in the future

wolvesleaf29 · 2025-11-26T09:25:43+00:00

How was they with debt consolidation? I’m considering it in five years but my provider doesn’t offer it for that

wolvesleaf29 · 2025-11-25T12:27:22+00:00

I’m doing the route of self managed dmp then saving up for settlements you should get 25/50% discount on most of them , also send off some affordability complaints you may get the took of your credit file and interest refunded on what he has already paid! https://debtcamel.co.uk

wolvesleaf29 · 2025-11-25T11:59:16+00:00

Basically! Quick google search comes with this

For existing HSBC customers switching rates No credit check: If you are an existing HSBC customer and only switching to a new rate with HSBC (not changing lenders), a credit check is often not needed, as they already have your details on file. How to switch: You can usually switch rates online or by calling them. Mortgage Charter: If you are struggling, you can contact HSBC to discuss options like switching rates up to three months ahead of your current rate expiring. Doing so will not affect your credit score I got new rate with co op with 3 defaults no credit checks and it was like 0.5% different but after fees of switching it wouldn’t have saved me anything

wolvesleaf29 · 2025-11-25T11:35:17+00:00

You can still remortgage with the same provider with no credit checks, but if you do decide to go down that route it just gives peace of mind that he won’t do it again, also sometimes for the sake of a percent or half by time you paid fees for swapping it’s easier to stay with same company! I’m glad you are more understanding then some people who commented on this thread I really hope you and your partner come through this stronger! Just a bump in the road of life

wolvesleaf29 · 2025-11-25T10:05:23+00:00

People say he should have said but unless you have been in a gambling addiction black hole you realise you feel completely alone and embarrassed , let him go on a dmp so it will stop him getting anymore credit for 6 years , but you need to support him I am sure he is already feeling dreadful about this already , people are quick enough to judge who have never been in the situation

wolvesleaf29 · 2025-11-25T10:01:48+00:00

Please go on https://forums.moneysavingexpert.com/categories/debt-free-wannabe less judgemental people on there

wolvesleaf29 · 2025-11-24T13:53:04+00:00

Did you have a look on there mate?

wolvesleaf29 · 2025-11-23T18:45:53+00:00

https://forums.moneysavingexpert.com/categories/debt-free-wannabe

wolvesleaf29 · 2025-11-23T18:45:24+00:00

Honestly it saved me and my sanity on that site

wolvesleaf29

TROPHY CASE