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HELP ME !! or am I just dim
Okay you guys I need some help with this one, basically we pay everything we have to pay and end up with what ever is left to do petrol and food shopping. we have stopped using credit cards and rely solely on what is in our bank account. We pay everything that we need to and the bills and use whats left to survive the…
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How much to charge??
Need a little help and not sure where to post this but as I'm normally on this board thought I might get more help here :D Right..spent all day yesterday sewing,had to shorten 9 tops (all lovely jersey and chiffon.. :mad: ) and shorten a pair of trousers all just for one person.How much should I charge for this?? I am…
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help me turn £150 in to more quickly
hi all i need to get £500 in 8 days im sat here with £160 cash i need to turn it in to the required £500 im in a credit union but still got 2months of a loan to pay off so cant go there any suggestions welcome but i aint going to the bookies reguards andrew
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Would You Marry A Bad Debtor?
Just a general question. Would you marry a bad debtor who owes alot of money? Most people who use this website are good money savers with debts either payed off or well on there way to being paid. Would you want to risk that debt free position you have achieved? Would you marry them and effectively go back into debt or…
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SOA..difficult to guauge exactly how much spend each month!
Hi all I've just posted my SOA for the first time and going through it I honestly found virtually impossible to state exactly how much I spend each month. The DD's are easy-set amount each month,but looking at what I spent last month it occurred to me there are always a few one offs that need to be paid for during the…
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Help clearing a personal loan
Hi all. I've been here for a while and now need some advice myself now please. I would like to clear a personal loan quicker than the 5 years that it will currently take me so I'm posting my SOA.Its only my own,my wifes part time income doesnt really come into it as it's me thats paying the loan back. Total…
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Pay Now Or Wait???
Hii every1. :beer: Just a quick question, :rolleyes: Me and my partner have a car loan with black horses, however we are now wanting to sell the car and get rid of loan... Do we pay the whole loan off now with some of the savings we have set aside for a mortgage deposit?? or Keep all the savings for deposit and wait till…
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Any advice gratefully appreciated!
Hello to you all, I've been mooching around for a while thinking about my dire financial situation and reading your posts and tips, now I've decided to jump in and to take control and would welcome some advice, a fresh pair of eyes so to speak on what to do with it all. Incoming Full Time £1053 (rising to about £1120 next…
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using payplan
hi everyone, this may sound like a stupid question to some but would using payplan affect my chances of getting a mortgage? regards Luke
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Don't be scared - Check out your Credit Report....
I recently signed up with Experian on a 30 day fee trial to find out the state of my credit report as I was recently refused when trying to switch my current account to another bank. To my surprise the report wasn't as bad as I thought it would be. Yes I do have a lot of outstanding debt committments but my payments have…
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It's finally hit me.....
Hi, My level of debt has finally hit me in the last few days. You know, you go for ages kind of pretending it's not there, then one day it just smacks you in the face? I've spent all morning reading this forum and i want to post and say 'hi' :wave: I'm ashamed of myself to be honest. I owe approx. (don't know the exact…
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Should I leave my debit/credit cards at home?
Okay, so I've stopped carrying my credit card and I was wondering whether to do the same with my debit card. Over the passed two weeks or so I've just grabbed a £1 coin on the way out in the morning so that I have some 'cash' on me, but not enought to waste. Most mornings I pop into the Tesco's Metro on the way into work…
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First positing
Hi, been floating around the site since xmas. Haven't used my c/cards since then. Got myself in a pickle since stopped working full time (7 years ago). Gradually increased debt since then. Husband doesn't know - would go mad as hates debt. He won't use anything but cash (if only I was so disciplined). I took out a…
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In massive debt - should I save?
Silly question? I've just woken up to my financial problems, and I have a mammoth task ahead of me to free myself of debt. Obviously the last thing I should really be thinking of is saving but with three children Christmas can prove to be very expensive. With this in mind surely I would be better to try and save £50 per…
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What have you spent 5th March
Beat everyone to posting this today I see :j Nothing for me today, in pain after 4 hours of various exercise regimes yesterday so not doing ANYTHING! :money:
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Another awakening
I've had debt problems for much of my adult life, some it due to low income and family pressures/necessities, some down to my being irresponsible with money. I am married with three children, both my wife and I work. We have quite large credit card and loan debts of around £40,000 with an annual income of only around…
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Goals for w/c 5th March 2006?
Hi everyone, Is it sad I really look forward to posting on this thread every week and seeing how everyone has got on? :o Here were my goals from last week (Here is the link to last week's thread is anyone needs it:- http://forums.moneysavingexpert.com/showthread.html?t=157522&page=1&pp=10) *4 no spend days - Monday,…
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Property Management fees - Going to Court
Can anyone advise in regards to property management fees? Last year my property management company advised that they would take me to court should i not contact them in regards to the arrears. After a year of 2 redundancies, umeployment and then a car accident, I fell behind on the management fees. I contacted my property…
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possible to leapfrog bailiffs, default costs, CCjs etc???
Hi all again, Is it possible to have an unblemished credit score/rating, then go straight to bankruptcy? avoiding all the nastiness of ccj's default notices etc??? I can cope with being a pauper, but not with the trauma that would come from having endless phonecalls, bailiffs banging on the door/forcing entry etc.. I…
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Hi I am new
Hi. I am new to this forum and even this website, have been meaning to check it out for a while. my husband and I are heavily in debt, I have total debt of just over £30k - its not that I am worried about the amount of debt because I know it has all been for specific purposes - house rennovation, wedding, post grad…
