Credit Brunch?
Well, as a debt adviser my appointments diary is running at about 5 weeks whereas this time last year it was running at about 2. What's more, the people I'm seeing this year seem to have more and more complex issues, charging orders, repossession etc so i've never felt so busy. That said, funding for my job was due to end next year but given the current climate im pretty sure the project will be around for several years yet - I cant imagine any government would want to announce cutting a few million for debt caseworkers after just having given the banks billions when they're (for the most part) responsible for the mess we're all in.

On the plus side, i did bag some bargains from Woolies (a hdmi cable for £4!) and have just bought 7 dvds and a blueray from zavvi for less than £40. And I've just been promised a payrise at work that will be backdated to last April, not that i'll be able to spend any of it as my fixed rate mortgage ends in May and i'll be at the mercy of variable rates until i can be remortgage.

So, all in all a mixed bag. Such is life.

By the way, i hope everyone realises that things are going to get MUCH worse over the next year and that the bankruptcy and repossession figures are going to be ridiculously high, the highest ever i'd bet..something i think our politicians and local authorities seem to be underestimating at the minute. Or just dont want to admit.
(Trimble, Sat 24 Jan 2009, 17:08, 2 replies)

end of fixed rate
Isn't that good, as the interest rates are nice and low?

Set up a meeting with the bank to try and get another fixed rate mortgage sorted, but do it in a month or so so you can take advantage of the current lower rates....
( uberdeity Wondered why Owen Lars knew of the term "hell" on, Mon 26 Jan 2009, 11:44, closed)

I was going to say
I'd be climbing the walls in ecstasy if I were you! Your mortgage payments are about to halve!
( Rookie You'll have to speak up, I'm wearing a towel, Thu 29 Jan 2009, 10:07, closed)