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Fell off the wagon
Someone please help me. I fell off the wagon yesterday and blew bearly 2k on a wretched casino online. Now i'm in deep :( I was so happy at getting my charges back, then got dumped and it all went pear shaped. No excuse i know but i did it. feel like crap and need some help. fast! I now have a £2600 overdraft and i'm only…
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Next week I will be a little closer to been DF
Well I just got off the phone with HFC and there sending me a settlement figure out in the post, I have enough funds to pay it off in full it will mean living on a tight budget for the month of June but looking at how much I'm going to save it will be worth it :) Also means I will free up about £35 a month which isn't a…
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Sorry for neglecting you!
Hi everyone. Just a note to say sorry for neglecting the board for the last few weeks. I have had a pretty turbulent time .... let me explain. Last year I made a very serious complaint at work against one of the partners (who is also the Director of the company). 3 other women also came forward (so you may be able to guess…
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cant cope want to give up
Got ourselves in a right mess. Basically have a child with a rare disease (the last 5 years). Cant work( Im Mum ) remorgaged the house several times to pay off credit card debts. Getting to the point of bankruptcy. I feel like I cant cope. Feel guilty and suicidal.
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What have you spent/will you spend today-Sat 20/06/06
Its the weekend again & I'm hoping for a no spend day today but will update later if any money is spent :) DS2 is having his first driving lesson today at 9.30 so fingers crossed it all goes well! :) Have a great Saturday everyone! :j
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contacting creditors,reducing minimum payment
Hi all, how do i go about reducing a minimum payment on a credit card,i am going through a slightly bad patch at the moment,wife has lost income for a short term period and i am having to step up to the plate to pay extra bills,food shopping ect. I am currently paying £120 minimum payment to virgin credit card,would they…
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Debt enlightenment club
Well we have enough piggy bank clubs to provide a years supply of bacon butties so lets evolve into another area and try the above title. The clubs mantra 1. We know credit and all it brings makes us poor, we shall not use it unless it benefits us (ie mortgage or business loans are ok) 2. We shall Not be seduced by clever…
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Dilemma...
OK...have done my first month of being good (still could do better!) and have about 300 in my savings account. WHile I realise that I am paying interest on credit cards I worry that if I have notning saved that I may have to use credit cards which I am avoiding at all costs. In reality I know the answer (pay CC) but there…
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Admin charge from Empire Stores
I received a bill from empire stores yesterday with a £15 admin charge added on because i forgot to pay my bill last month, I only owe £20 on the account and the payment i missed was only £5, is there any way around me not paying the charge? Thanks in advance.
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Advice for a Sixteen Year Old school leaver
I work in a school as a teaching assistant and the kids in the year 11 class I am attached to are leaving school next Friday. Today in class a boy said to me, 'Give me one piece of advice Miss'. So I said to him if theres one piece of advice I can give to you, it has to be, don't get a credit card. Always save up for what…
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Debt free as of yesterday
Hi guys, I said I would update you all with my bankruptcy news. Yesterday I finally went to the county court and was declared bankrupt. I paid my £475, affirmed the info was true, went and had coffee for 2 hours. Returned to the court collected the order, went to the OR office, had a 10 minute interview then left assured I…
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My Poor daughter!
Hi Sorry its not really a debt free post but I always post on this board!! My daughter has started her finals today ---she is doing a Maths Degree. She is really very clever but goes to pieces when it comes to the exams. The first year she got a first and last year she was illshe was able to take them again(think i have…
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Boots point's
Hi everyone seems to have good ways to use boots points. My friend uses them to buy lunch at the weekends! Thought we could start a thread of ways to get the most out of your points! I save them up all year then buy all of my Christmas presents with them. It is twice as good as boots do three for two on Christmas gifts. No…
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GRRRRRR Royal Bank of Scotland
I have just been called from RBS...... " can I just confirm your details before I proceed" I said no but I said I know what it's about and asked him to put in on my file (with payplan etc). He then told me he couldn't do that unless I confirmed the details. I then asked to send out letter and then I will ring…
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Help with my budget.
Hi, I'm wondering if someone could take a look over my new budget and see if I've missed something. I've always felt skint, and can't believe there is some money left over every month! I've tried budgets before and they never worked very well as I always over spent. INCOME Wages: £1039.78 (paid weekly but this figure is…
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Student Loans and Inheritance
Hello all! Does anyone know whether I would be obliged to repay my Student Loan (taken out 1998) if I was to inherit money? Is it only repayable via my earnings? Many thanks!
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Friend needs lightbulb moment - do I bring it up?
This is my first post here but I've often lurked on the boards. I'm fortunately not in debt but a friend of mine is and I was hoping for your advice about what to do with them. I'm known my friend, lets call her Anna, for about 10 years. I see her probably about 3 times per year so whilst she is a friend I wouldn't regard…
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Golden Ticket
Someone has found the golden ticket to get on to Big Brother and has put it on ebay and it is already at 10 millon pounds. I think there is going to be a one skint person who ever wins. Maybe we should email them this website because I think they will need it after spending that much money. Have a nice weekend everyone and…
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*****prom Dress Update!**********
http://cgi.ebay.co.uk/PROM-EVENING-BALL-GOWN-CRUISE-PARTY-DRESS-GREEN-8-10_W0QQitemZ9320862159QQcategoryZ86403QQcmdZViewItem To all you MSE'ers who helped me out last night! THE DRESS HAS ARRIVED! After a fraught couple of hours onto Fedex this morning (who thought the dress was stuck in Paris) the dress just suddenly…
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What have you spent/will you spend today- Friday 19/5/06
Hey all!!! Happy Friday!!:beer: :j :j I haven't spent anything so far, but will have to spend out for a lime and soda at lunchtime (Friday lunch in the pub), hopefully no more than 50p. Bonus was last night I took a bottle of water to the gig with me (empty bottle filled with tap water!:p ) and so didn't buy any drinks!!!…
