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Bump growing - debt & budgeting advice required
With a baby due mid-November I thought I'd better get myself as much financially in-check as possible. Due to being pregnant when starting my job 5 weeks ago (yes, it was a surprise to us too!! ;-) ) I will only get OMP which is approximately £109 per week for 6 months. I currently bring home £1950 per month but £200 is…
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Feel like such a loser!
I don't seem to be having he success that others are having with saving and not spending. For the second time since my lightbulb moment earlier this year, I fell off the wagon - I am now £80 overdrawn until payday (end of month) and haven't reached my target of putting money away in the 'wedding fund' account. I am feeling…
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offers to creditors
hi, i finally received help from Payplan, and with their help, worked out what i actually owe (see signiture) Payplan said i didn't really need a DMP as two of my debt were CCJ's (water and local authority loan) so instead worked out a list of pro-rata payments. i have now finally finished all the letters, and am just off…
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equifax report
we've been trying to sort out our money probs for a while now. when it somes to getting credit, I don't seem to have too many problems but my OH does all the time. for instance, when he opened a new bank account they only offered a basic account and he has also been refused credit cards on some occassions. We did expect…
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Half a Million People
Heard on the news this morning over half a million people in Britain have debts over £20,000 and I cant remember the exact figure but theres even more (2 million?) with debt over £10,000. Its no wonder this site is so busy!
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Youve all inspired me! Thank you!
I have been reading through some of the stories on here over the last couple of days and even though i havnt got a great deal of debt i still feel as though its too much. Its mainly the council tax and a loan from my Mother in Law to pay for the deposit on our rented house. We are paying MIL back at £100 a month so should…
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New start, again!
I had my lightbulb moment in Dec. Added up my debts (came to around 30K). DH had been out of work for around nine months at this point, and we had continued to spend as if we still had two wages coming in. Did a budget, cancelled PPI, looked at snowballing credit cards (so applied for HSBC card 0%) rang sky to reduce…
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What have you done today thats DFW Stylee? Mon 17/4
Morning all Well the first thing I did this morning was a) check my freecycle b) come here c) make a cup of tea Not a bad DFW start, what are you lot up to keeping it all DFW!? HAve a happy day Lynz xxx :beer:
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The Chill-out Zone!
Was wondering if the BG's will let us have a little place where us DFW's don't necessarily have to talk about becoming debt free but somewhere where we can just waffle on and chill-out! A bit like The Arms but for the DFW's who don't want to venture out from this board! ;) First round is on me! :D :beer:
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new to forum - hubby on stat sick pay 68 a week
Hi, new to the forum, so apologies if posted this in wrong bit, after working temporary just before xmas for 179 a week and 150 a week was going out on credit card debts, 28th dec, I decided I'd had enough , we bought council house in 2001 cos of debts of 6,000 now debts are 25,000 cos been using credit cards to pay bills…
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Update quickie for you DFW's
Hello peeps - just thought I would let you have a quick update on me as last week I was feeling very low and posted on moneysaving arms. I went away last night to stay with a friend and it was fab - I feel so relaxed now. I'm back on the ball and have cut back on the happy tabs myself to just 1 a day (slowly as the doc…
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credit file Q
ok so im starting the ball rolling with my DMP using pay plan..... sent off the paperwork today ( they should get it tus/wed) my question is i have also sent my first "token payment out todat" to goldfish , payment is due 28th april.... when will the default hit my credit score ( note tish week i will be sending a few more…
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Help with sister's debt
Hi I wonder if anyone can help. My 19yr old student sister was asking for my help on Fri. She currently has outstanding debts with Halfords (store card) and capital one (credit card). She has been managing these up till this month as she has now moved out of our parents house and into a flat with a friend.(I know - but 19…
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Martin's new image - has anyone noticed?
Scroll up to the top - lol
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Hey I'm New.. And Yeah I Have Debt
Hey Everyone, I'm Matt and I have debts... i feel like i'm in a AA meeting lol. Anyhoo heres how it stands... Income £350 Per Fortnight Debt £900 - Student Overdraft £1000 - I owe the NHS *from Uni* £400 - Credit Card £20 - Store Card Total - £2320 Outgoings From Account (per month) £120 - NHS Debt £100 - Credit Card…
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I know this isnt completely money related
But please read this website (this is not at all spam but an interesting story) http://wm3.org/splash.php The story reads 3 young boys were murdered and 3 innocent people have spent 13 years in prison, they were put in proson mainly for there choice in clothes and music, rather than any evidence, ill let you judge for…
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How do you stop yourself feeling bitter when cutting back?
To cut a long story short we have got ourselves into about £10k of debt over the past 2 years, mainly from too many nights out, too many expensive gadgets and relying too much on credit cards to bail us out. We do have enough money to live on, but about 2 months ago we decided to cut out on the 3 visits a week to the pub…
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i have sinned and now it has come back and bitten me on the !!!!!!
Hi all I have not been around much lately and my goodness can I tell. I have been a complete and utter idiot 3 months of living on a strict budget and then I think I can control myself and my spending but guess what I was wrong and I mean totally wrong. I have managed to spend £150.00 on stuff that we did not need but I…
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What more can I do?
Hi, this is my first post here. :) We started working on our debt problems at the begining of the year (using the advice on this site) We had about 35k in debts, now we are down to about 29k. We moved all our credit cards onto 0% cards, and hopefully one of them will be paid off by the time the 0% offer ends. I'm planning…
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Goals for w/c 18th April 2006
Hey everyone, We're late with the goals thread this week! Here is last week's one for you:- http://forums.moneysavingexpert.com/showthread.html?t=180319&highlight=goals My goals for LAST week:- *5 no spend days - have no cash so should be very possible - Not done - ashamed to say only one no spend day achieved! *Sort out…
