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Teaching teens to be debt free
This may not be the right place but I was wondering what is the best way to keep my kids debt free? They have £30 pm pocket money and seem to be coping ok with that at the moment as they have no real chance to run up debts but I do worry about the future as we all know how easy it is :mad:
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How much have you spent today Thursday 19/10?
Good morning DFWs :) One last push now - nearly the weekend!!! I am feeling lovely this morning :rolleyes: Woke up thinking it was Friday and sadly it isn't it. Then I spilled my cereal and milk all over me and had to get changed again. Fell as I was getting in the train and dropped my bag and its contents on the floor but…
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Letter recieved Saturday
Just an update for you, I had a letter from the bank to say they would give me £700 for full and final settlement on the bank chages I brought up. Although it is actually the grand total of £2000 in the last 6 years! Now im in a quandry, do i take the £700 or go for the full amount? :confused: What do you all think? CarliJ…
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Natwest Loan - dodgy deal?
Hi there, I'ver got a 10k Natwest loan that was a quite a competitive rate when it came out 18mths ago (6.5%)... Being moneysaving I wanted to overpay on this loan as my salary has increase but the sneaky people at Natwest add all the interest on the 10k immediately (worked out something like 11,750 in total) so makes _no_…
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How long for DMP to take off
Just advised of DMP by CCCS how long does it usually take to start up?
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What do people pay to live in shared houses?
Hi My son has been to look at a shared house today----it is a lovely town house--shared kitchen, bathrooms and lounge|(think there are 3 bathrooms!).The guy is asking £300 a month which includes all bills.His room is furnished too. I went back tonight to have a look and it really is gorgeous in a lovely part of town. He…
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Done It
I had my appointment with CCCS this afternoon :T .If anyone is feeling anxious about theirs I can say that I found them really helpful & supportive - they didn't make me feel like a fool for getting in that situation in the first place! It was a bit overwhelming having to write down all my debts and read them out to the…
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I'm a newie - help please.
hi everyone! have just joined this forum and am finding it really positve :D I have so far signed up for MS and with Quido. Can anyone give me any more tips? esp with xmas coming up, how are you planning getting everyone prezzies? is there anything i am missing? ie: a way to vouchers etc? as have seen peoples 'vouchers'…
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**cringe** MY SOA
hi folks like so many other folks, i have 'stalked' here for a wee while, but have finally got the guts to seriously look at things. I have done a SOA - which was tough - still need to look at the various calulators etc - but one step at a time is fine. I'm sure I've missed things off here too, but i'm sure you kind folks…
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unregistered address
Hi Not sure if this is the right forum for this question but as it's the one I normally browse I will post it here ! My address is not on the postcode search ie when entering postcode and house nunber only ...we dont exist !!. The house numbers stop at 12 and begin again at 18 and I live at 14. When applying or registering…
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In a DMP & about to come into some money.
I am currently about a year into a Debt Management Plan which I arrange all by myself with my creditors. At the start of my DMP i was £26,000 in debt. Now I feel alot happier that I have agreed reduced payments with my creditors and I can actually see that balances coming down(slowly) and I am not paying extortianate…
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Need to make £65 before 31st October
I need to pay another £65 off the debt to hit my October target. I have no money coming in from quidco/mystery shopping until next month. I've listed a few bits and bobs on ebay that have 5 days remaining and I have a couple of books on Amazon. Sold most stuff a couple of years ago. Any advice on how to do it?:o We have…
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Reclaiming Charges whilst on a DMP
Hi everyone, I have a quick question for you. I am on a DMP with CCCS and was wondering if its possible to reclaim charges whilst on a repayment plan. The charges won't put me back in credit but will help repay the debt quicker. Does anyone have any ideas? thanks. ps. keep up the good work everyone this forum is…
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Job interview - any advice for me?!
So I've been job hunting for a few months now since I graduated... prepared to do whatever really... shop job etc until something better comes up. But I found out yesterday that I've been shortlisted for a really nice job - the interview is on Monday! :j :eek: Its about an hour and half drive away... would mean moving out…
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up to my ears
Hello all, due to various reasons including ill health and unemployment I have found myself in the situation of being in such a mess I don't know exactly who I own and how much :o Most of my debt, if not all, has been sold on to debt collection agencies and I am not sure if I am really at the stage where there is nothing…
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My SOA
Hi gang - I've never posted an SOA on here before (I think) but I have been watching the advice you have given lots of DFW's for the past year or so and I think I've trimmed my budget down quite nicely now but if you can see anything daft, please say so :) Income: £1,342 Rent: £200 Car Insurance: £27 Phone: £37 Halifax…
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Default removal
Not sure if this is correct section, but I do wish to be debt free. I have a irritating and somewhat small default on my credit history which is doing some pretty serious damage IMO. It is for £63 from Telewest, I moved house and didnt realise I owed them anything, no bills came. First I knew was when I checked my report…
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Help with Food Shopping
Hello there just a quicky i have a couple of debts but under control and hoping to have them paid off within the next year. One big problem is when i go to a supermarket or even the corner shop for a pint of milk and come out £40 worse off! There is only my partner and i at home and he works offshore so away at least 2…
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afternoon tea?
After all the talks of politics/labour/the way the world is going I think we all need a little "chill-out" time.:D So I'm inviting you all for afternoon tea once again (I am considering making this a weekly regular occurance-If any1 thinks this is a bad idea please do not hesitate to let me know!:o ) so there is tea in the…
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bad luck/good luck
I just wanted to say that after having a horrible day yesterday (look at moozies how much will you spend today thread) we have had a little bit of good luck today (I think!) oh went 2 get an application form yesterday and was invited for an interview today!:j he was supposed to be interviewed from 11am-3pm:confused: but at…