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What have you spent today - Mon 24/4/06
So far - £70 on a skip... I will also need milk and other groceries, and have been left the vehicle with virtually no petrol in it... not so much a hint as an instruction there! Have a good day everyone. Edit: £37.01 on petrol (I didn't miss - I was aiming for rounded gallons :p ) £9.94 on groceries 148 points in Boots (I…
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Angry with one of our creditors
Dh has gone back to work today to get called in by one of the clerks, dh's credit card company have gone to the army about what he owes despite us paying through b&e the annoying thing is money to cover this will now be taken direct from his wages untill its paid at a much higher rate than payplan could pay (they are on…
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advice wanted
where to start due to borrowing money for my brother for a business which collapsed,i find my self £44000 in debt.money owed on credit cards and loans.i sorted an i.v.a out,which i can do a one off payment of £22000.thats that,this is the tricky bit,when his business was collapsing,i tried to sort it out and remortgaged…
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I think I've found a motivating factor that works for me!
A few weeks ago I wrote on here that I had fallen off the wagon spending £164 on unneccassary spending and how frustrated I was with my self even though it had not affected my debt payment directly. I have been thinking a lot about how I could keep myself and DH motivated for the next couple of years and then DH bought…
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Monthly goals for May - anyone else?!
I'm going to ty and set a monthly goal for myself to redue the amount that I'm spending on trivial items. Pay day on Friday! So.... for the first month ever I'm really going to try and not use my credit card. I know it sounds bad but it's maxed to the limit and when I pay the minimum amount off, I end up putting it back at…
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How does Payplan etc effect my credit rating?
Hi New to all this and got a few questions for anyone who can help, please! Thinking about applying to someone like payplan as my debts seem to be going no where. Bad credit rating so can't balance transfer anything. So questions are: How will payplan effect my credit rating? Have 2 defaults on my file already so can I…
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Student Debt, Painful.
OK, call me silly, stupid, pathetic, or most offensively, a student, but I need a bit of help. I'm attempting to get into the habit of moneysaving, but the large shadow that is my debt stops me from beginning. I'm wanting to start off on a clean slate, so to speak. (Ideally for the beginning of September) Here's my…
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My lunch challenge for W/C 24 April
I am going to make lunch EVERY night and leave my purse at home so I cant spend ANY money at all. I think this will save me about £25 next week at the very least. In fact am giving my purse to my OH to make sure I cant access my cards at all! EEEEEEEK Im gonna feel lost without them! I figure once I break this habit it…
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Lloyds Account - help am i being stupid?
these are the last two entries on my statement 20Apr06 DD PAYPAL PAYMENT 4.17 88.28 DR 21Apr06 CSQ CASHPOINT 21APR06 200.00 111.72 on my lloyds acc online it shows this, i put in £200 cash into a cash point on fri and my account shows balance of £111.72 but an available balance of £3.42 does this make any sense to anyone!…
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Bank Account
We have a joint current account where all our bills come out of and all salary goes in. One of my largest debts is a credit card with the same company. I have been advisied to change bank accounts. Having problems doing this- should we just change current account into hubbies name only? Tracey
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soa?
Hi, Where do I post an SOA? Thanks
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What else can I do?
Hi, Hubby has been made redundant. He's only officially been out of work for 8 weeks, but has been searching for a job for 7 months, with no sucess (even registered with an agency, but no work) Anyhow, I have cut back in every possible way, examples are: Boiler only on when needed began shopping in Asda Began shopping for…
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What Are Your Goals W/C 23.4.06
Again apologies if a duplicate thread but couldn't see it. Have I got the week commencing date right btw? Starts today? Anyway here is the link to last weeks thread: http://forums.moneysavingexpert.com/showthread.html?t=184046 My goals were: 1. Only spend on some stamps and bus fare if I have to (trying to arrange lifts…
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What Have You Spent Today Sunday 23rd April
Apologies if duplicate - just couldn't see a spend thread today. £43.44 (cheque) at Sainsburys on main weekly shop. This included washing powder & some razors and some lady stuff.
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Super Chuffed !! £1000 paid off cc today
Hi, Am away on business in the US so no-one to talk to and had to share this with someone! My remortage (at the end of old deal) went through this week and the £1000 cash back from Northern Rock arrived in my account this morning. I have avoided the urge to splurge and paid it off my CC by internet banking straight away.…
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Education means $$$s
Or pounds (which on my american keyboard i dont have one lol) I am finally in a position to My first MCP from a financial perspective so am starting to do some hardcore revision to make sure i pass it. Bad news is each of these exams are around 100+ a piece and thats after ive found a site which does certificates to do…
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A cheap treat for DFW's!
Hi, I just thought I'd let people know about a cheap treat which I occasaionally allow myself- I know it gets tough sometimes! I'm a big magazine junkie and rationed myself to one a week with my new budget (a big cut down!). Last month though I bought a magazine subscription instead. It meant that I saved 50% off the cover…
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Bill Payment Dates - don't know if this will help anyone
but doing the bills this morning - well working out when the last possible date for paying them more like! - it struck me that I often forgot about weekends and bank holidays. So what I've done is to put on the statement the date that I have to pay them by in red ink rather than look at the date that the payment has to be…
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Budget planner/SOA
Hi Can anyone post their budget planner/SOA from CCCS? Just wondering what things are included on it? Thanks Tracey
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i know its a good few months off yet
but how do you dfw's cope with christmas do you save a small amount per month and stick to what you have saved to buy your presents etc, do you go in any of these hamper schemes. sorry for the silly question i know we are only in april but im already wondering what we will do this year the kids usually get totally and…
