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How do I tart up my spreadsheet?
CALLING ALL TECHIES!! I'm a bit dumb when it comes to computers and my spreadsheet is v.basic, I just input the figures and then I add up on a calculator. I KNOW that excel can do amazing things like calculate how to turn my wages into millions but how do I do it or more specifically WHERE do I learn this? I have no idea…
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Allied International Credit
I need advice on how to hand these people please. The situation is as follows: today I was visiting another lady in my support group. She was very upset and finally I got her to tell me what was wrong. On Friday morning she got a call from a male representing AIC and asking about a credit card debt she had with RBS. This…
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I Want A House!
I want to buy a house, not just for the sake of it, but to decrease the oh's journey times each day by half. Unfortunately i owe around 18k and pay £650pm on debt. I have 1500 coming in after rent and council tax. Should I buy now or wait till i've paid it off in three years (loan due to finish in 27 months)? I know i've…
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Perks for pennies
Hi All, In my ever increasing bid to live as frugally as possible, I've been getting creative on how I can keep some of my treats without paying the amounts I used to. Like everyone here, we all have the things we enjoy or used to enjoy when we weren't concerned about our finances, and I've been challenging myself to see…
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Were do you want to be at the end of the month? March 31st
feel free to join in.. would be good to see were other ms plan to be by march 31st By 31st march i plan for.... :rolleyes: Vodafone to be less than £100 :rolleyes: Family debt to be less than £2400 :rolleyes: Tmobile to be less than £400 :rolleyes: Argos to be less tan £500 :rolleyes: Council tax arrears less than £140…
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a message to cheer up us people in debt
Hello You will notice that like most people in debt I have my debt free date at the bottom of each post. Well today I have just cleared one of my visa cards :j I now only have one left :j So any one out there feeling crap about debt just keep going with your head down. With this credit card I tried a different tact, as…
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I Have Spent All My Adult Life In Debt...
and to be quite honest I'm sick of it.. I have noone to blame but myself I have never been able to manage money,OH wouldn't even know how to write a cheque so he's no help but I really need to change. We bought a little flat in '88 and struggled along with the mortgage rates going sky high for 8 years til we had DS2.I was…
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Help - need advice with setting up new business to help clear debt
Hello All, Hope someone out there can help out with some advice. :hello: OH and I are trying to work out ways to increase our income and pay off our debt quicker. At the moment everytime we make a bit of head way another suprise bill comes and hits us right between the eyes (car repairs, boiler, computer) - you know? We've…
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Gym Membership
DH cancelled his Gym membership, cause we need the money for a few months, we are fine again come July. They have said that he has to give 3 months notice - what would happen if we cancelled the DD? Thanks All
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A & L CARD
Hi guys I guess this should really go on the good news thread, but i wanted to let people know, even if they had posted on that thread..... Cleared my A & L card this month as the 0% deal runs out on 23rd March. Mainly balance transfer to my Halifax card, but some cash. A few months back i was told by A & L to call a month…
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Where do I start?
Hi, I'm a newbie on this forum, i dont really know where to start, OH leaves me to deal with all the bills side of things which has ok when we both had good jobs and a resoanble income between us, since OH was made redundant and we went into business together its got REALLY HARD.... still have same outgoings and debts as…
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Impatient to get rid of the debt!
Hi, I'm Chris. Been visiting MSE for ages but only just signed up for the forum. Just wondered, how many of you are impatient to get rid of your debt, or are you taking the more measured, controlled route to getting rid of it? It's just dawned on me that I seem to be in competition with myself.....I come up with one way of…
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My cr*ppy day...
Hi everyone, I don't know if anyone remembers me telling you guys this - but I am fairly crafty and have been really flat out in the last few weeks making things day in, day out for a craft fair - as well as keeping up with my eBay orders (also sell same craft on there very successfully as wedding favours and have been…
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Old account not closed down from Bankruptcy
Well, as some of you know, I'm coming up on my bankruptcy discharge date,and I thought I would have a check through some old things. The first was my Cahoot current account, that I had opened just before declaring to that First Direct wouldn't have acccess to my wages. So I logged into my account online, and found it was…
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what do i do next?
With help from CAB l've been paying off my debts for over 4 years now, but out of the blue l got a letter saying l owed over £1000 to a company l'd never heard of. l sent a letter asking for proof of debt on Jan 27th (thanks to Harrassed for template). It's now well over the 30 day limit for replying with a copy of my…
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how far would you walk to save 21p? who's right?
my friend buys 4 pints of milk every 2 days. she lives about 5 mins from tescos/iceland who both sell 4 pints for £1. 10-15 minutes away there is a shop selling 4 pints for 79p but my friend refuses to walk to shop. she could go at any time but can't be bothered walking the distance. my friend buys milk 182.5 days per year…
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Just getting started as a money saver
I picked up Martin's book at the library on impulse, and had a smug moment on the first page when he says "If you've just bought this book, why on earth didn't you borrow it from the library instead?" :D Of course the smug didn't last long, as I kept reading! :p Anyway, I am thrilled to find this site. I'm a US ex-pat who…
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Another day, another SOA...
Hello all, Following a very kind welcome for me last week, it was suggested I post an SOA - think I've got this right, so here goes. I've taken the headings from the Money Diet book. For the sake of honesty I've included everything for last month - I've already made some cut-backs and changes since reading the book and…
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Does this sound familiar?
Hi Every year, without fail, I used to book up to go away for a week in April/May- just somewhere like the Lake District in a caravan/cottage- total about £400 inc spends cos we dont live too far away from there. Then I would get back and think about where we could go later in the year- last year was Cornwall for 2 weeks…
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What a great day!!
Just opened up my coin jar. My £2 coin savings are £32!!!! :j The question is: Do I leave them, put them in savings or pay them off a credit card? Off to count 20p's now
