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How much did you spend? 28/12
Anyone around today? I hope you all had a very enjoyable Christmas. I am in work today, and tomorrow, its actually pretty busy (just on lunch at moment).. Just had a look around the sales, but its too busy for my liking, so bought one thing & hurried back to work. So today I have spent: £5.77 on groceries £2.98 on a…
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Newbie in debt please help
Hi I am in the same boat as others on this board Gradiated last year, earn about £1300 after tax (NI & Student loan). I pay £350 a month for rent and household bills, but have to pay £230 a month on HP car, plus other bits and pieces. My out-goings are about the same as my incomings. Watched Make me Rich yesterday and all…
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depressing
How depressing is this? I was a very spoilt girl this christmas and was given £1500. my dad asked what I was going to do with it and I had to confess that it's going on repaying my debts! I still hate the thought that my money is now paying for something I have already had as when I look around me, I have a load of rubbish…
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Help Required!!!!
Last night OH and I sat down and did our finances as his business isn't going very well. He's got a part-time job at a well-known supermarket but Nov and Dec paypackets have been bouyed by the christmas run-up overtime. After all caculations it appears that I will be feeding us on £20 a week in the New Year when his pay…
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Newbie - DMP or DIY?
I am new on here, needing advice on my debt. It is all in my name and is around 20K. OH made redundant in April 05 and now money run out. Mortgage paid by protection til April. Have 4 children, from 17 years down to 9 weeks. I am on full pay from work til end of Jan, then will have to go back. My employers are in financial…
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CAB Independent Advice...NOT!
A little while ago I went to two CAB offices wanting to sort out my Debt problems. After a short chat I was sent away with a booklet explaining what to do about it. Booklet 1 It is called "dealing with your debts" "free,cinfidential, independant advice on debt problems" "Money Advice Trust" "Supported by: NatWest The Royal…
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Counting Pennies but not Pounds
Here's something that's really annoying me. I don't seem to have my priorities right. I'm very, very careful that I get the best deal for almost everything I buy. Yet, in the last month I have ignored selling an old car for several hundred (it's done now, but for a lot less than it could have sold for a few months ago when…
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Why should I bother anymore...
Hello all, i've been reading this board and a few others, and here is my current situation... I used to earn circa 2-3k per month with overtime and bonuses etc. My partner used to take home somewhere in the region of 50k. My partner lost her job some three years ago, and now is emplyed again but earning 20k less. In the…
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Student that needs help, I'm slightly scared!
Hello all, (Sorry for how long this post is, I hope it doesn't put you off). I saw this website featured on a BBC program, Click Online and I'm enjoying reading what it has to offer. My family don't talk about money too much, so it's not something I'm clued up on, which is probably why I'm getting myself in trouble. I was…
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What have you spent today - 27/12/05
I thought I would start the thread off this morning… gosh it’s so early. Looked out of the window and Kent is covered in snow…good grief. Was up really early this morning, about 4:30 am as the sleep pattern is shot…. It's all this Christmas excitement….not – hee hee :p Oh yes…what have I spent today? Well nothing at the…
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How do I cancel my Creditexpert free trial?
I followed Martin's advice to get a free credit report from here: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1101485056,23650,#finding Not only have they started charging £4.99 to get your credit score (you can still view your report for free), but I seem to be unable to cancel my free trial! :mad: Anyone…
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87k in Unsecured Debt
Hi, I am married and I split with my wife this summer but decided to give things another go as our child has just been born. The main reason for us splitting up was due to my debt/spending problem. As a conseqence I am currently have 87k approximately in Unsecured debt in my name only - I was also made reduntant in Aug 05…
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I need help
First Off... Merry Xmas everyone!! I desperately need some help/advice... For the last few years, me anfd my hubby have struggled with money, he works and I stay at home with the children, I have not worked full time since 2001. We have claimed benefits to help out but then they clobber us for overpayments. The largest is…
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Martins' article inaccurate?
Martin's article on credit reference files makes no reference to "MCL Software". This is a company that holds information about mortgages, loans etc. Their website is https://www.mclsoftware.co.uk. You would not know about this unless you are an industry insider or have specific knowledge. What is CIFAS? Yes I know what…
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How Much Did You Spend This Christmas?
There maybe a thread similar so apologies if there is! :D I have spent £172.98 but still have to buy my mum a top!
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How much have you spent in the sales?
If you are having money problems don't be tempted by the sales. If you are working through your money problems, this is the time of year to go off the straight and narrow and undo your hard work. You'll only buy things you don't really NEED. Remember, a bargain is only a bargain if you set out to buy a certain thing and…
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GET a Statement of Account
Does your creditor send you a statement of account? If not ask them for one!!! A friend of mine was paying £50 a month for a debt from years ago. Out of curiosity he asked for a statement. They refused, saying they never send out statements! So he persisted, he actually in the end told them he had come into some money and…
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From bad to worse
I was struggling to pay my debts, and now to make things worse, my partner lost his job 2 weeks ago. I just don't know how we are going to cope. My partner does'nt know that i am in so much debt, and i am ashamed to tell him. I gave up work 4 years ago when we had our son and my debts have been increasing ever since. I…
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Experian
is anyone who has got CreditExpert experiencing any problems accessing it? it was briefly working today, but since then: "Sorry, CreditExpert is temporarily unavailable."
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Ant Dec & Scrooge (Humbug)
I was watching Ant and Dec last night (yeah I am sad) I was amazed jus how much we are caught up in the commercial web of Christmas. One lady was featured because she did not like the presents she was given, and did something about it. Oh how horrible, she got her money back on some items, another gift went to eBay. She…
