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how much do you save/pay off debt/live on per month
hi all, just wondered how everyone else split their monies. i currently have an income of 1556 per month. i save £280 per month towards yearly expenses (car tax, mot, clothes, xmas and birthdays etc) i put away £876 for all bills and debts including extra payments off debts i spend £400 on everything else (saving whats…
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Inspiration- If It Wasn't For Mse.....
IF IT WASN'T FOR THIS SIGHT I WOULDN'T HAVE...... 1, saved £140 per year on home insurance 2, saved £90 per year on gas/lecky 3, saved my hubby £116 on his car insurance 4, recieved tons of freebies & extra Kitkash points from tyhe freebies board 5, had the inspiration to recognise my problem and tackle it with e…
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how much longer-getting stressed
hi started a new thread cos we had our big call with payplan last saturday and the girl on the phone said she would post everything out on monday(last week) and we still haven't received anything from them yet. we are both starting to get a bit more stressed as we are expecting the calls from the company's we sent token…
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What to say??
Hi all Just a bit of advice we have are bankruptcy hearing on the 13th of feb all the forms are done just have one problem wife has no idea what to say for reason of bankruptcy All my fault as i was in control of accounts she had no idea of our debt problem till may last year when the cccs told us to go bankrupt i have…
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Outstanding Debt - Time limits?
My sister-in-law had a dispute with a major utility company a number of years ago. She settled with them six months ago but they have now come back to her again and are now trying to charge her another £280 for the period Oct 2000 to Oct 2001. I was under the impression that debts over three years old couldn't be chased in…
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The foolish amongst us
Share boom sparks fears of soaring debt IFAs warn novice investors against taking out personal loans or piling on credit card debt to gamble on the FTSE bull run Soaring share prices are tempting people to remortgage or use credit cards to invest in the stock market - prompting fears of a return to the days of the…
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debt consolidation and remortgaging
Hi, I need some help with remortgage advice. Facts: We have a £83000 mortgage with Northern Rock Our house is worth £125,000 We have £25000 in unsecured debt, inc £3000 on credit Our montly outgoings on mortgage and unsecured debts are £1200 I earn £12,000 per year with extra £3000 as overtime Hubby earns £16000 and £3000…
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Arghhhhhhh - My spreadsheet is giving me headaches...
I'm serious! I can't help but look at the darn thing 20 times aday!! Even when I know nothing much will change on it till my next pay day!! I'm I the only one driving themselves mad with there budget??!! :confused: My rents reckon it's a healthy obsession to have.. but it's really doing my head it! Iv'e run out of graphs…
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Credit cards
I'm trying to rebuild my credit rating and wondered if there are any credit card companies other than Vanquis that may give someone a card who has a poor credit history?
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Money for clicks
Does anyone have any links for sites where you click to earn money? I know there was a list of them on here a while ago, but after trawling through all the forums I can't find it! I want to get Hubby set up so he can do them everyday while I'm at work.
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Help With Loan Company!!!!!!!!!
I took out a loan with welcome in 2001 and defaulted on the account, this was then passed to direct legal & collections who sent me all sorts of threating letters. I finally paid the rest of my balance off last june and it's still on my credit report now! I have contacted welcome finance who say they've not willing to…
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Bankruptcy: Just starting out...
Following several month's of stress, depression, divorce, redundancy, bad advice and dire financial crapness in general ( http://forums.moneysavingexpert.com/showthread.html?t=122862 ), I am writing to my creditors, including mortgage lender, inviting them to make me bankrupt. The CCCS were pretty useless: I have recently…
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Another bankrupcy question
My friend is having a baby and wants to go BR
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How much have you spent today - Sat 14.1.06
I got: Asda: 2 x 4pks of Actimel on BOGOF and milk - paid £0.36 Boots: 2 x Time Delay exfoliator wash - paid £0 (used 2 vouchers) BHS: 3mtrs of gold luxury ribbon - £0.80 (reduced from £2, then £1) 1 x pair of mens boxer shorts - £1 (originally from pack of 3 for £12) Used gift vouchers so technically paid £0 cash M&S: 1 X…
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experian credit report questions
I took the offer of getting my credit report from creditexpert.co.uk and i have some questions some people maybe able to anwser. 1. I have a 20k loan with my bank why does this not appear? I am still paying this. 2. I have the following Name and address: MR PHIL XXX ******************* Date of birth: 21 *** 19** Company…
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Reliable Collections
Hi All I was wondering if anyone has had dealings with reliable collection and was wondering how they got on with them. Thanks. alsavs
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ex-husband left me with huge debt
during our marriage my ex husband ran up huge debts and persuaded me to sign a secured loan for £30k (I had no idea what a bad decision it was at the time). When we separated I discovered that we had arrears on our mortgage, secured loan and coucil tax. I paid these off and have made all subsequent payments on time for the…
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Pick ya brains plz
hi - im a newbie here I have around 32K of debt and im payin 3 of those debts off each month via an agreement made between them and the CAB which costs me approx £170 per month. HSBC £6785 Capital £6245 Tesco £3809 Goldfish loan £7598 Cahoot Loan £7654 the two loans are being paid nothing at all - as they are yet to find…
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Drowning In Debt, Just Want Some Reassurance
I do normally post on mse but under a diff name, the reason Ive changed it for this post is because my work friends know my log-in name and i dont want them to know all my details. Basically I owe thousands, my husband has helped me out twice in the past and unless I sort this mess out on my own my marrage will be over and…
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threatened with bailiffs!!!!
Through our own silliness and a bit of misfortune we owe council tax 1,051 which has been passed to a collection agency. we had an agreement with them to pay them £10 a week but again due to stupidity and husbands forgetfullness some of the weeks went unpaid. My husband has been self employed but no work for 3 weeks so his…
