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Everyone do a meter reading!
I did and our Gas bill has been reduced by over £200 !!!
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HELP need advice, just split with partner today
Can anyone help me ascertain what money I'm going to have, as I've split with my partner today and no idea how I can afford to live. I'm 20, with a 2yr old child, I work 14 hours a week and am a full time student doing my BA. I have just bought a house (with my partner, but all in my name) and I've no idea how I'm going to…
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Secured Loans - anyone own up?
(This is not about Martin's petition!);) Well I've been reading this board for a couple of months now and not seen anyone talk about or even own up to having a secured loan. Just wondering whether there are others of you out there like me that took what seemed like a last resort at a time when you didn't know about this…
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What have you spent today - Thurs 4/5/06
Hi all, I've not spent anything yet - unless you count three vials of blood... :o and am currently too tired to contemplate going anywhere. It'd be nice to have a no-spender as tomorrow I am going to the land of temptation - a food fair in Tewkesbury :)
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Fed up of boyfy's spending!
RAAAAAAAAAAAAAHHHH! Ah that's better... ;) Okay, so here's the shortened story... Been sorting out our finances the last two/three months, things going well, shopping budget going great, and managed to get boyfy on board. I go on maternity leave at end of May, and money is going to be tight until December. Been doing…
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some specific advice please
need urgent and directed advice please. Husband working as a supply teacher although at mo work is very patchy. We will have money in Aug from exam marking but need to get a loan to tide us over till then.We had been clearing our debts quite successfuly and dont want to slip back into problems. Hubby went to bank like you…
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I feel guilty spending money
must be a side effect of these boards! I have decided that with the good news of my pay rise yesterday I am going to use half of it to throw at my CC and the other half to join my gym at work. I feel so bad spending money on myself tho! :eek: I keep trying to justify it to myself - and I have always wanted to join my gym…
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Advice needed for a friend please!
A friend of mine has found herself in a rather tricky financial situation - she has run up credit card debts of around £27,000 through a combination of naivety and a fear of dealing with her financial issues. She has kept being offered new credit cards when maxed out on others. Sure she has to carry some responsibility for…
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Lightbulb :-)
Hello Again everyone! I don't know if anyone remembers but I was on here a while ago being a little too blaze about how much I owe and how much I spend. I have now been completely brutally honest with myself and worked out I owe a grand total of £14,716.40p and I have savings of £0. I have done some shuffling about to…
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This week's R4 woman's hour drama
I'm not suggesting this provides any useful financial info, but for anyone looking for light hearted distraction on this issue this week's woman's hour drama "Conversations With My Bailiff" makes a good listen. But probably only for those not yet in this position. The listen again page is:…
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0800 3899001
I've just come back to work today and have a message left for me from a colleague asking me to ring Francis on the above number. Can anybody tell me who it is likely to be. Really not happy about them ringing me in work. Should they ring me back what can I say to them about not being happy with them ringing me in work…
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First time poster needing debt advice
Hi all I was wondering if I could get some advice, I have just downloaded the budget planner and on a normal month £430 to spare, but at the moment i am having problems, I owe about £900 on my LloydsTSB overdraft and today i have received a letter saying that if I dont pay within seven days they are taking me to court, I…
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Horoscope
My horoscope from Pigsback today.. the pig is psychic... this is every day!!! You're living in a material world, and there's no denying it today when a parade of bling and conspicuous consumption pass across your radar. Before you run out and join in on a feeding frenzy of the latest trends or techno gadgets, check your…
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Ccj
I've got a CCJ on my file from 2002, which I wasn't aware of until I ordered my credit report the other day. I obviously was aware at the time, but when it came up on file, the court was one miles away where I was living at the time & I could only think of one CCJ i'd had there, which was paid by attachment of earnings.…
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Time to admit I have a Problem!.....
Hello all, I am 25 years old, getting married this year, have a new baby, but am struggling to quit gambling. Tonight for instance, I have just lost again online playing black jack. I know i will wake up with a very sick feeling in my stomach...and rightly so! I have a fairly decent job earining 25k a year but have about…
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Help me Divorse problems and debt
Firstly im very sorry if this si in incorrect place to post this as its not directly money saving but were in need of urgent advice. We have tried for a CAB or advice centre but where I am there isnt any. To explain the situation 11 days ago my brother and his wife and kids were due to move house. On the day of the move it…
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Tax/NI check
I have just been reading loupyloulou's thread on her payrise (:beer: ) and there were a couple of threads posted about checking the tax/NI wepay. The links were these: http://www.wellwoodhoyle.com/ard/calculators/payslip.asp http://www.taxcentral.co.uk/taxcentral/home/employment/payslipcalculator/default.asp I checked my…
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not really coping anymore
Hi, need to expliain my current situation but am so ashamed. Ive not been on the site since 2nd March as I just feel ashamed to post.You are such an inspiaration to me and I have shared your highs and lows for the last 15months.I remember telling DH when Ms London got clear and then the countdown to the great Aussie…
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penalty clauses - Court of Appeal judgment
Repayment Clauses in Compromise Agreements (the principle is the same though IMO) The Court of Appeal has handed down an important decision in CMC Group plc v Zhang. Mr Zhang signed a contract (not strictly a compromise agreement, but that does not matter) settling his claim against CMC for $40,000. It contained a clause,…
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1st time user and I need some advice on IVA if anyone can help!!
Hi, This is the first time I've posted a thread on this site, although I have been a fan of the site for months since my mum recommended it and niw I've recommended it to all my friends. Anyway, my OH and I are in a bit of a rut and don't really know what to do. We have 2 children, a mortgage and appx £30k worth of debt…
