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DFW but I just wont give up....
....my ironing lady. I detest ironing so much that I'd give up anything before I pay to get it done for me. It costs me £10 per 30 items (an item can be as small as a pillowcase or as big as a quilt cover) which I think is pretty good. I'm saving as much as I can everywhere else - what could others just not ever, ever give…
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national debt line advice
Just a general question (can supply detailed financial info if requested). OH earns 28k, I get £30 per week child benefit (2 kids), no other income. Gives us about £1780 per month. Outgoings were nearly that until we spoke to National Debtline who said we should say to Company's we owe that we can't afford to pay them so…
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Latest little saving
Haircut, £8.50 a go, normally once every 4-5 weeks. Bought a pair of clippers at the weekend for £16, so we can do it for free now! Will have broke even in two months and save that bit extra every month going forward. It's also quite a nice bonding experience as my wife and daughter hover over me shaving my head. It must…
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What have you spent 08/05/06?
Apologies if this is already started - i couldn't find it. I have spent nothing today but did have a DD for £25 come out of my bank today. Good luck everyone else :)
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DFW Saboteurs
Hi all, Do you find that no matter how hard you try there are always things/ people that sabotage your best efforts? For example, this month I have made a budget for everything I can think of and put a little aside for car service and MOT. My OH owed me £40 for something I bought over the internet for him. This weekend we…
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here we go
At long last folks after waiting 2 months for my CRB to come through...I can start my new job tomorrow:T :j My wages are crap 5.15 ph..... 8 hours per day. My plan is to work as many hours as possible without killing myself....I work in a care home so hours are always available and so is promotion but for now I have to…
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Payplan - a quick question
Hi folks, A really quick question as I cannot seem to get hold of anyone at Payplan and at work at the moment. I set up a repayment plan of £491.89 - £5 going towards the insurance policy they set up and £486.89 going to creditors. For the last 3 months I realise I had changed my standing order to £500 so I have paid £8.11…
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my garden furniture, the saga continues
OK, Well some of you may remember the garden furniture saga from 2 weeks ago. It unfolds more now. I ordered one from woolworths 74.99. Found one cheaper @ LX direct, so cancelled the woolworths one, they refunded me last week, money in account. Still waiting for the LX direct one to arrive. Today the woolworths one has…
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Worried about what's to come & some questions...
'Ello people. Well, high time I tried getting on top of things, but I need some idea of what to expect if I take certain steps... Currently, I'm in about 12K of debt and with another 8K-or-so of student loan from a bailed-out-on Uni course to worry about if I ever get to earning enough. Financially, things would just tick…
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first month of being good isnt going so well
:mad: I am already skint and feeling miserable today. I brought lots of things that I do need, like ink cartridges, paid for vets (vaccinations for cats) and other little things, but i have lost track of where everything has gone! and thought i was being good. i am so annoyed with myself as i thought i would have some…
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Breakdown of debt in signature bar
hi i am actually already a new so newbie money saver but i have logged on again as i use MSE at work and i dont want them to see my debt!!! what i would like to know is how to do the breakdown of debt on the signature bar that says when you are debt free. its time to stand up and be counted and seeing it will help thanks
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how do you all do it
hi i have been lokking at peoples sigs and have noticed that quite a few of have been paying masive amounts of your debts each month some at a rate of a thousand pounds some even higher i have allso noticed that some of you have really high debts 30.0000 +and will be debt free in two to three years so to do that you must…
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A big thanks to all DFWs
Hi guys, i posted some time ago about the problems i was having with the bank and then again about their threats of legal action. have followed the advice from this forum .. and have this morning had my offer of £3.50 per month accepted by the DCA .. am so pleased :j can't say they were overly thrilled about accepting this…
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Spend,Spend,Spend!
At the start of this month, we looked out our budget and realised we were going to be in the poop unless we stuck to our budget ridgidly. We drew up a menu plan for the whole month using the cheapest meals and went to Aldi's for our shop. So a week into the month I have looked at our accounts and our MS Money and have been…
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Casual editing work
I've made the first step in admitting I have a debt problem but now it's time to start working on lowering it. As I'm not the best at cutting back I want to explore the alternative avenue of making more money from a supplemental income. I've been selling on Amazon for a while (and doing pretty well out of it) but it's not…
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Draft letter for settlement please anyone..
Have been in a battle with littlewoods for a while now over my payments. I only owe them £390 (approx) and they are demanding £55 a month. I have been paying them £10, and they`ve been pilling the charges on every month. I am now in a position to pay them off, but am not willing to pay the full amount to them. Do any of…
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Debt Management Plan and claiming bank charges
I'm sorry if this question has been asked before, but I've spent hours reading these forums and the Bank Action Group forums and can't seem to find an answer. I have been running a debt management plan with all my creditors for the past 18 months or so. Most of these I am able to claim unfair charges from. My worry is if I…
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IVAs, are they good? Help needed :(
Ok this is very hard for me and is the first step i am trying to make. Through a combination of overspending and losing job due to illness i have got debts of between 25 - 30k. I was thinking about applying for an IVA but not sure the pros and cons of these. I work 25 hours a week employed and the rest self employed. my…
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Debt Company not accepting offer
I still owe an amount on an old loan and recently recieved a letter from the debt collection company advising that they had turned down my monthly offer of payment but could offer a settlement figure instead and that i should call to discuss it with them. I obviously cannot afford to settle in full but even after i offered…
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Yeah I Messed Up
So, For the last week my friend from the states has visited, and my debt has risen. I now feel really bad. My bank account has gone past the overdraft and i got a £35 bank charge for a £7 card misuse which makes me annoyed at the bank as much as me. Anyway, i'm going to try and start afresh from this Friday *payday*. The…
