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Martins Budgeting Excel Spreadsheet
Hi, ok am S/Employed and OH works for me, done a budget and if is pay him what i already do and take £150 per week myself then i can afford all bills/debts - thats the goods news....... However:- A. Dont know if/how the business will manage to pay me this (only time will tell i suppose). B. What to do about the arrears i…
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Always a way out
Hi all Six weeks ago , I had problems. No income , only 8 hours work a week from a part time job. Creditors getting on my back. Phonecalls from 8 am til 10 pm. Was feeling down. Depressed. Thought about using the last of my savings to run away. Six weeks late r, I have a job , I have 24 hours a week at my aprt time place.…
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OK..I think we need a vent thread...
:mad: Ok gang I seriously need to rant (sorry!) or I'm going to end up with a bump under my patio... Just when I'm getting a handle on things OH has decided not only to join a footie team (cue spending over £100 on kit alone this month..)he's just come back asking for some cash where he's been down the pub..oh and for…
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Not quite to plan!
Am a bit bored today so i thought id do a history of what ive paid off, how ive paid stuff off, and anything i thought was a key moment. Having looked at the first month or two of savings, WHAT A MESS, money being transferred around several accounts, late payment fees, calls to banks haggling for lower rates, fees to be…
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What have you spent today - Sunday 26 March
Couldn't find this thread so thought I'd start it. I never posted yesterday but spent £12 on two cinema tickets Today: £30 towards part of our monthly shop £10 towards a microwave (present for mothers day) £2 inside mothers day card for her to buy a lottery ticket (not sure the type she wanted) £15 on petrol Sister gave me…
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Basic Bank accounts
Have had a basic joint bank account for years now without being overdrawn have had past money problems but everything under control now, we have about £2500 going into our account every 4 weeks but the Halifax will still not upgrade out account so that we can get interest on our account, can anyone please help and tell me…
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Please Help Me Stop Doing This
i have done it again i sorted out my buget for the week didnt do a weekly shop just buy what i need when i need well yesterday day one i went to sainsburrys to buy some milk i spent 1500 got some bits for dinner this weekend but i didnt need them as i had a frezzer full of food and cuboards brusting with stuff i reasond…
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a Story of facing up to the truth!
Good morning to all, This is my first post on the forum so apologies if I ramble a bit...I just needed to tell some like minded people of my successes this year to date. January - up tmy eyballs in debt, secured loan, personal loan, credit cards, beginning to miss the odd utility payment. You know the picture, keep…
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paying off credit cards
Please can you give advice. We have the following debt on credit cards and have been fortunate to be given £10,000 by dad to pay them off. In which order or how much to each card should we do? Thanks. here are the cards, the monthly interest rate, and balance : Virgin 1.736% £7000 Halifax 1.66% £9500 Bank of Scotland…
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More to pay out than we have comeing in help!
Ok where do i start have spent the last few years liveing well above our means and since hubby was re posted back to the uk we lost 350.00 per month on wages plus others such as cheeaper petrol for the car and tax free living, just a year after moveing back from germany we are well and truely stuck we owe a complete…
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Newbie with old debts questions
Hello, I have couple of questions about quite old debts. Here goes... I graduated 7 years ago with a 6,000 student loan. I then moved to another country and tried to keep up with payments but after 2 months stopped due to bad judgement on my behalf. I also had two credit cards with balances of about 400 and didn't make…
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1 month since the lightbulb moment - Thanks!
Hi All Well is has been a month now since I realised something had to change and just wanted to share something my husband said to me last night - which made me feel really proud... He said 'your whole attitude to money has changed, and I am really impressed - whereas before you worried incessantly about money but didn't…
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Way Forward???
. I am overdrawn regularly by around £1800 and when I get paid I am either still overdrawn by a couple of hundred or If I'm lucky I break even so by the end of the month when all bills and living expenses are paid I am back to -£1800. My only credit card I have is paid off in full every month (usually around £400) I am…
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jeez is life complicated!
Have just discovered this great website and forum and already received some great advice :j I recently realised that I've spent so long in debt that I'd come to consider this normal. It's funny how in many areas of life I'm quite patient, practical and organised - but I guess money hasn't been one of them! (Until now!)…
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OK - How do i approach the ppl im in arrears with ??
Ok after doing a thorough SOA, i feel that if i stick to a budget (may need some help from you guys to determine a realistic one!). Then i can manage monthly repayments on bills/debts. However the problem i'm in is that if you look at my SOA, i'm in quite a bit of arrears, whats the best way to sort them as if i try to…
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Goals for w/c 26 March 2006?
Hi everyone, Gosh its early and we've lost an hour! I am babysitting all day today, starting at 6.15am, hence being up at this crazy hour (earning money though)! How has everyone done this week? Here is a link to last week's thread - http://forums.moneysavingexpert.com/showthread.html?t=168699. I think I've done okay. My…
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Yay!!!!!!!!!!!
Well thats 2 debts paid off in 1 month. :j I was only going to pay half the mothercare bill today but i had it in the bank so paid it all off, it has left me very short of cash but was well worth it i am just so relieved. Its now time to concentrate on the bigger bills and just hope i can do them as quick!!! We were…
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Do I remortgage or not to rid me of debt ?
I am hopefully starting uni this sept and have 4500 pounds on interest free loans at minute. I live week to week on tax credits thank god they exist and generally go overdrawn by about 200 pounds each month . I am due to give up work and I have this debt which is worrying me ! I can try and pay off as best i can over next…
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DMP & Student Loans
We currently have a dmp with payplan and have had for over a year. I know that one of the conditions of this plan, is that you are not supposed to take on further credit. My question is, if I were to go to university and needed the student loan for tuition fees, would that be allowed on a dmp? as I know student loans do…
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Advice needed please- asking on behalf of my son
Hi My son is 20 and away at University. He is doing a Foundation Degree and finishes in June after two years. He didnt do particularly well at school- he gained 3 GCSES in Physical Education, Information Technology and Drama at grade C and above. In Maths and English he got grade Ds. The local College agreed to let him…
