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open office budgetting spreadsheet - please
Hi there, does anybody have a budgetting spreadsheet in open office that they could send me please :) . I wont have access to excel soon and the spreadsheet on here only runs on excel ( it will not go into open office - have tried ). thanks in advance :D
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Don't know what to do
Hi all I have two credit cards and a loan. The two credit cards are with Monument at 22.476% APR and Capital One at 30.588% APR. The loan is with Citi Financial at about 25% APR. Between these three, I owe a total of £3200 and my monthly repayments are £160. If I could take out a loan to refinance these, I could take £7000…
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Here goes...Newbie biting the bullet
Hi, I really need some help. My debts seem to have got out of control over the past few years and I just dont know what to do anymore. I was managing to keep on top of things before by shifting my cc debt around but now I have run out of places to move it to, and the interest rate is stuck at high. I thought it was time to…
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Under the 10k :D
Well. I've finally managed t get my debt under the £10k mark. Something i never thought i'd have done by now.... If i keep on track i will be clear in 10 months as i pay £910 back each payday. I've sold most of my posessions that i didnt need anymore so anymore ideas on how to cut it by another month? Here's my SOA £10…
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New to big debt
Short of help Early retired, now looking for work after 2 years work gap, Savings gone Over 50, 7 years workable life left. Assets :confused: Small Pension Home owner Holiday home owner Liabilatys :mad: Mortgage 2nd Mortgage Credit Cards Bank Overdrafts Bank Loan I would like to keep my assets, while clearing Debt, but is…
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What to do when you just can't pay?
I have a gas (£38) and a water (£68) bill I have to pay this week. I also have to pay my electrician £675 which is the final amount for him replacing my electrics in my house. The thing is, I only have enough to pay about £400. I have already asked the water and gas for more time to pay, and they have to be paid by the…
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Subject Report Received !!!
Hi all this has probably been answered many times before, but I have just got my Subject Report back from Natwest..........:eek: and not sure what i am allowed to claim back?:o Lots of things on there, like arrangement fees, late payments, un authorised O/D's etc etc!! Should i contact Natwest for a breakdown of…
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Big Problem with Credit File!!!
My dad’s just check his credit file with Experian & Equifax, and it claims that he’s not on the Electrol since 1991. He checked with the Council and he is!!! :confused: What can he do about this? It’s given him a bad credit rating the last 16 Years!!! :eek: Many Thanks
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How far 'south' do you need to live to be a southerner?
Just a quick question. How far south do you need to live to be a southerner? I would class it as any county that is on the south coast (Cornwall, Devon, Dorset, Hants, Sussex and Kent) What's the opinion ?
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Can you earn money on Greasy Palm without spending any?
My Greasy Palm account is on £23 at the moment. They dont pay out until you get to £25. Bit skint at the moment so could do with the money so my question is can you earn any cashback on there without actually buying anything?
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CCA Procedure
Hi I just want to learn the procedure to writing off to a company requesting your CCA. Ok, so i print off and sign the standard letter, and enclose a cheque for 1 pound (can i send something else, seeing as i dont have a cheque book?). They then have 12 days to send me the CCA, and after 30 days they commit an offense when…
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Feeling very proud
Firstly a bit about me, ive been a single parent for the last 5 years and i work full time, i live with my DD who is 6, my debt problems began when me and my ex partner split up, lets just say he wasnt very accomodating about letting me have stuff from the house, so i had to buy everything from beds to plates. This is…
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* Debt free me* Experience?
Has anyone had experience of dealing with these people for managing debt? :confused: Mum had a consultation tonight, and will show me paperwork tomorrow, she said they charge £2,000 in fees :eek:
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Why should your debt be written off!!!
Ok i'm going to receive alot of hate mail but I dont care this is my view and i'm entitled to it. Before I start I am no preacher who stays within his income. At one point I had £33000 of debt and I kbnow how stressful and bad it can make life feel. However I got myself in that situation by overspending and living the live…
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trying to become debt free is making me sad :(
i owe about £4400, My OH raves abotu this site and did me a budget that see me debt free in september this year! i have £150 spends a month, (bearing in mind i used to spend about £400 a month on clothes alone) i have been paid 12 days ago now and i have spent £42.38 (i have receipts for everything and i write down what i…
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My Pledge/Or Add Your Own
I STAND HERE BEFORE ALL YOU GOOD PEOPLE AND PLEDGE THAT..... I THIS YEAR WILL NOT NOW OR EVER TAKE ON MORE DEBT WHETHER IT BE LOAN, CREDIT CARD OR OVER DRAFT. I PROMISE TO SAVE FOR THINGS THAT I TRULY DO NEED AND NOT FALL FOR MIND CONTROLLING ADDS AND BUY THINGS THAT I DO NOT, I WILL MANAGE MY MONEY BETTER AND WILL NOT…
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Your Debt
Morning All, Strange sort of question but how long have some of you been in debt for and how long have you been trying to clear it. Or do you have that much that there is not enough time in your life to clear what you have... I have been in debt for about 7yrs and will be clear in about 1 to 1.5 yrs (Only as I have just…
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dfw the fly-lady way - 31 days
Dear debt-free wannabe fly babies Welcome to the long-promised DFW fly lady thread. What's this all about? Well many of us, and particularly me, have had a couple of light bulb moments in the past and are scratching our heads wondering where all our good intentions went to back when getting debt free was our number one…
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Goals for the week - 29 April 2007
I haven't seen this thread for a LOOONNGG time but always liked it as a reminder and motivator. Here's the most recent one I could find http://forums.moneysavingexpert.com/showthread.html?t=319743&highlight=goals+for+the+week and there's probably something more recent but it's too early on a Sunday morning to search…
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Urgent advice needed
hi everone, i need some advice plz. my sister has been sectioned under the mental health act but before she went into hospital she maxed out her credit cards and overdraft. She is in debt of almost £3000, and every month the bank is charging her interest. I have paid all her utility bills and running her houshold but now i…