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fao john kent..hows the no credit going?
hi, couldnt find the original post, but just wondered if john could give us an update on how this week has been for him so far, emotionally and financially. love the idea of only spending cash and living a life without credit/debit cards etc, its going to take me a while to get there but just wanted to know how john had…
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Can I Sell My Cat On Ebay? Trying To Make Some Extra £££
She's really cute. Doesnt cost to much to feed. Very friendly. Keeps your lap warm in winter (saving heating costs :D ) Im only joking, i was just sitting here in my living room pondering over what I can list today in my 'Shop' :D Ok i'll scrap the cat idea. Husband for sale, only one careful owner, not very high…
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What have you spent today? 4th March
HI everyone :j Well my laptop is nearly fixed, Im now able to turn it on but Im still infected by a nasty winfixer virus :mad: I have some kind of techie anti virus update disk on its way to me, so hopefully i will be clean again soon :D Well I have a lovely weekend planned, one which Ive been looking forward to for weeks.…
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Loan from a friend - advice pls!
I was hoping someone might be able to help me out. I have accepted a good friends offer of help with my debt repayment. I have obtained a settlement figure for my student loan and including my credit cards it comes to just under £20k, my friend has loaned me £20k to clear this and she has asked me to repay her £250 a month…
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Signatures Question
Hi When you guys put your debts on your signatures, do you include the cost of mortgages and student loans etc? Fortunately I have no credit cards (even if I get one "for emergencies only" I can't trust myself not to consider needing a new pair of boots an "emergency"!) so my only "debt" as such is my overdraft, which is…
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Losing motivation
Hi Am fast losing motivation Have cut back my spending as much as i can (my spending is around £30 a week) Am trying to save for a deposit for a rented flat which i am putting some spare cash in But the debts I have never same to go down by much as it is starting to really depress me. Am on the lookout for a better (ie…
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TIP - check your direct Debits :)
Ok ok so I am sure those of you who have been doing this for a while already know exactly what goes out of your account! But other newbies like me might find a reminder a good thing :) I was going through my current account as I am going to be moving it soon anyway but first I want a) to get the charges back from the bank…
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An Open Thank You to you all
Thanks to this site I have at long last got my head into gear about our finances. I lurk quite a bit and post the occassional question but the information I have gleaned has been second to none and for that I want to say a big thank you to everyone - for the questions you post, the answers you give and the support you…
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Paper money
So, there I was, sitting at my desk at home, when the door of the cupboard heaved a mighty sigh and an avalanche of bank letters and past statements tried to bury me. Once the St Bernard with a nip of hard stuff had arrived to dig me out (well, the OH with a cuppa, actually), I started thinking about what the hell I was…
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Free Experian Credit Report
Searching through some blogs last night came across one which allows a 30 day free trial to your Experian credit report. Have a look at https://www.mothsinyourwallet.blogspot.com and look at Experian link on right hand side. Allows you to check your credit report for free for 30 days and can text you and email you if…
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I need to earn more money!!
Hello guys, Hoping you can help me! I need to earn more cash but i cant. I have two kids, 6yrs and 2 yrs, i currently work at the weekends doing 17 hours. Few months back My work asked me to work full time which i was prepared to do, if they could cover some childcare costs. They looked into childcare vouchers but at this…
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Charging order update
Ive updated my last thread but it didnt go to the first page! We went to the CAB on Tuesday, the debt advisor knows all about the claimant ans said he is a rogue and a cheat. The CAB advisor is currently dealing with 4 other clients regarding this man, who is charging them 42%, so according to the CAB man we are getting…
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Microsoft Money/Quicken.
:confused: Hi all, Not sure if this is the place for this thread, but, if not, perhaps somebody could either move the thread or let me know where to start it. Basically I was interested in perhaps investing in one of the money management software programs such as those above. Having no experience of using these I had a few…
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Problems with RMA Debt Collecting Agency
Hi I'm new here and my fiance and I are at our wits end with RMA debt collection. Just a little background. In 2004 and 2005, we started getting in to trouble with our debts. Basically beause my fiance is self employed, works during school term time, and when he'd finished for summer, we assumed that he would be able to…
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Check your Loan insurance policy!
I was following the advice on this site and others and went and got a quote for incapacity and unemployment cover for £8.60 a month that will cover my £210 monthly repayments. I called Egg who were VERY nice and helpful and we worked out that my monthly repayments will go down to £166.98 from £210 so saving £34.42. OR I…
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My Friend - PART 2 - Please Help Again!!
As some of you will recall I posted a week or so ago on my friend who against everyone’s better judgement (and a huge amount of debt) has decided to start an ill fated business venture. To briefly recap this guy is beyond skint (2 credit and 1 debit card to the limit, huge student loan, and owes his gf a wedge as well). He…
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Convert your change!!!
You know those bags or bowls full off coppers and 5p coins we all have (well I do...) Well the other day I found that Asda in Milton Keynes have installed a coin sorter in their new super duper shop next to Ikea! So instead of the change sitting doing nothing at home because I never get round to bagging it for the bank I…
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bank want a review
ok ive been on here alot over the last few months due to my OH debts. first i had to get him to face up to his problem which in the end he did and he has been budgeting like mad for a month and he's been really good and he has said he feels better for it this month he got paid less than he was expecting and its caused him…
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Fighting Urge to Spend Today!
Hello! I really love this site as it has made me realise I am not alone in the situation I have got myself in. I don't live a luxurious lifestyle by a long way but I regularly overspend on this and that - mostly food, and it has just added up until I am in a position where I know I have to stop. I have never been good with…
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income outcome guide lines
Hi Anyone know where I can find out what are the guidelines for filling in one of these I have been told that there are set amounts laid down for food,clothing etc any help would be appreciated for a 64 and 65 year old couple on filling this form in for Council Tax recovery after initial offer by use was refused
