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How much have you spent today? 3/3
Bet someone else starts one of these before I post mine! Hoping for a no-spender today - babysigning already paid for, and not a lot else to do! Fingers crossed ... was meant to have a couple of these this week and haven't managed one yet!
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Do creditors ever accept you offer of payment?
Last month I wrote to all my creditors and informed them of my inablility to keep up with the current payments. I used the budget plan and creditors list that the CCCS sent me in my self help pack and sent my creditors copies of these so that they can hopefully see what I am up against. One by one they have all written…
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Earning xtra cash
I'm feeling happy and want to share with fellow MSEs (my friends think I'm a loon for my recent turnaround regarding money) Anyway, I advertised a yoga class and got a good response - looks like I can teach 2 classes a week, giving me an extra 35 quid a week for doing something I love and within walking distance of my…
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urgent advice on debt agencies
ok im hoping someone here knows about debt helplines, has anyone ever used Spectrum? my OH has decided he nneds help to sort his debts out and he has phoned their free phone number and has a bloke coming round this weekend just want to know how it works, do they charge? is there a catch? will be grateful for any help you…
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How much money do you need for IVA?
Hi guys and gals, well other half has just got a new job :j Not amasing money but its still money we were not getting! So now im getting back on track trying to sort things becasue CCCS could not help us whilst OH not working. Ive worked out mine roughly to be 25k in debt :eek: But will only have roughly £50-70 a month to…
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what has been your best ever money saver ?
I do like these post tonight I would like to know what has been the most successful money saving idea you have ever had and did it work ?
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Less Than £31,000 To Go!
Am below the £31,000 barrier and hopefully in the next six weeks that will be below £30,000 which will be a massive psychological boost and rather needed at the moment! :o Thought I would have £100 or so extra to throw at my Egg card this month but have only made an extra payment of £20! :doh: Will have to go through my…
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A slight diversion
Re-read "The Millionaire Next Door" recently and noted that one of the traits of such people, or rather couples, was that the main earner (usually the husband but not always), earned reasonably well but, more importantly, lived below their means. (to use the American Football analogy in the book, has a "good offence")…
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Advice please?!?!
Hi all, I'm new to the forum and I hope you chaps can help me out with a problem.....I have just had a bombshell dropped on me by the father-in-law......basically he is c.£15k in debt on two credit cards and also has a bank loan for a further £5k. He is struggling to keep up the repayments, has no assets (as they live in…
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cant meet the minimum payment on
my credit cards, If my minumum payment is £200, can I make arrangementd with my credit card companies to pay them £20 a month. What will the outcome be? Will this be accepted by them?Will this go down on my credit record as default? Advice please xx
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Creditor wants statements
Hi One of my creditors ahs rejected my pro rata offer. They say they want to see all statments from all my creditors and bank statements. Is this normal , and can I reject their request
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Does anyone know how to become a virtual PA ???
Does anyone know how to become a virtual PA that is about as far as I can stretch my talents ????
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For anyone who has avoided opening statements in the past ...
A salutary tale. Checking OH's bank account today, I found a £45 charge from the AA for Membership from 28 Feb 06. Which is odd, thinks I, because we've got a car with breakdown cover in the warranty. And we haven't needed the AA since we got it 18 months ago and OH cancelled the AA cover from the Ford we used to have. So…
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bANK cHARGES...
Not sure where to post this so here goes : http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632, I want to send a letter of to the bank to ask for charges made onmy account in the last 6 years and these letters are all standard. My problem is i cannot find the letter i need. I need the letter in the…
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snowballing
Hi, sorry if I've put this in the wrong section but I need to know how to get up the snowballing calculator. Couldn't seem to find it anywhere. Thanks guys
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Newbie's SOA - all tips welcome!
Ok, I hope am doing this right! Any advice money saving tips etc are welcome. Should point out that we can't get any more credit as our history is pretty awful so no transfering to 0 per cent. Incomings Total combined wage - various between £2,200 and £2,700 each month. Outgoings on debts :mad: Mortgage - £850 - this is…
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Begging Letter to Crdeit Card Company - Template needed.
I've just registered and this is my first posting. I am hoping to write a begging letter to Barclaycard to ask them to reduce or freeze the interest charges. I'm new to this sorting out lark and I'll go through all the other forums soon for other ideas. I have tried to transfer the balance to a cheaper interest rate but…
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Debt Free/Money Pack
Hi there. Just been clearing out some papers & stuff at home and I found a folder of posts from here and the fool.co.uk to do with wanting to be debt free/tips on how to do it. I also have clippings from magazines. These were a great motivation to me when I was in debt so thought I would see if anyone else would want them?…
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annoying phone calls
I read a post on here about a letter I could send to companies who keep ringing regarding debts, now I can't find it, can anyone post a link please.
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how can i make my debt free date quicker?
Any suggestions on how i can become debt free quicker than 6.8 years. As it is ages away and the thought is quite depressing. ? I have done all i can think of. So short of a windfall from somewhere or a lottery win any ideas??
