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Feeling very down
Don't think there is much in the way of advice, just need to offload ... Two years ago my husband and I ran a company together. We expanded too fast and had to go into a CVA while the company assets were sold. This is still going on, as one of the major creditors cannot agree their account and the calculation of our debts…
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What have you spent/will you spend May 2
Aha! Beat everyone to it! Need some razor blades so about £4 for me today. Apart from that am on a detox so no booze should equal no spend :) :money:
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Getting there
Woohoo! Love internet banking. My most evil loan is under 10k for the first time ever. That made me smile. Total debts now around 23k. (2 loans and HP on car) Total savings 19k. Now.. I know you guys would say pay it all off.. but I do contract work, and I never know where next job is coming from... looking for permanent,…
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Please help, what are these charges for?
Hi, I have a smilemore account, I wondered where my money was disappearing so checked it out and found this below on the statement. Please can someone tell me what these charges are and how they can get away with it. 26/04/2006 COMMISSION. £25.00 21/04/2006 SERVICE CHARGE £15.00 21/04/2006DAILY EXCESS CHARG £5.00…
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Stupid silly situation i'm in with credit cards
I've been rather silly with regards to my credit card spending and kinda need advice as to how to proceed from here/best way of paying them off. I'll list what I owe first: Co-op clear card (9.9%) - Current balance £886.69, limit £1000 (min 2%) First Direct Gold Visa (15.9%) - Current balance £3784.74, limit £4000 (min 3%)…
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Apossible solution to debts
I ahve been visiting here although I am right now debt free. Several years ago I had a boyfriend who had a huge debt with a high street bank. it was I think 40K. I got on the phone and wrote to them and said that he was distressed, had no assets other than the family home with his children and that I would pay to have them…
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IVA - One off payment
Hi all, I have heard of people paying a one off payment for an IVA. I have debts of £32,000 which I would like to write off. From what I can see I could pay c.25% of this amount off over 5 years and write off the remaining 75%. Is it possible to pay this 25% as a one off payment at the start of the IVA? Would any more…
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I feel like giving up and joining the rest of the world again
I've budgeted up to end of June and to stay on target seems so hard. We have next to no spare money left and all the money we have saved will go on an offer for full and final settlement to Moorcroft (which knowing our luck they will reject). I just feel like taking the money and blowing it on a weekend away or some new…
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i've finally had it....
lightbulb time.. i did have this a while ago but keep putting it off. Old user, new name, new start.. firstly: PLEASE DON'T THANK ME OR CONGRATULATE ME ON HAVING MY LIGHTBULB MOMENT it'll just annoy me, i had it a while back but now i'm sick of having no life. I just want to get on with my SOA and get unskint. Monthly…
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Self employed and in debt
Hi all, I'm in a bit of a strange position, as I have debt but not on credit cards and have no fixed monthly income with which to make budgeting easy. My husband walked out at the New Year, and I've decided to take the bull by the horns and get the finances sorted. I own a craft shop, and as I'm trying to build the…
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FULL WATT MOMENT!!! seeking your advice...includes SOA.
hiya everyone, i have posted here before but have in the last few weeks had that major full watt lightbulb moment and more importantly so has my husband. the snowball calculator says that we will currently be debt free in november 2011......our target however is december 2009. the reason for this is that we become eligible…
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First time post/long time lurker
Hello everyone :o I’ve been reading snippets of this site and forum for a while now, but I’ve finally taken the plunge and decided it was about time my wife and I got our finances in order. This has come about from an embarrassing event in my local bike shop. I’d dropped my mountain bike in for some much needed repairs,…
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Debt Free date?
Hi, I have seen many of you mention your 'debt free date' in your sig. How do you calculate this? Thanks Greenwellies
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Account written off - advice needed!
Quick recap. Had argos additions account, with PPI. OH made redundant - made claim. Twelve months later Insurance company paid out £390 leaving difference of £300 built up over twelve months, insurance payments, interest and charges. Rang debt collection company up on Saturday to be told that following the payment from…
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Suckered Punched
Hi All, This is a bit of a dreary one from me, and I do hope I don't drag anyone else down with me! I feel like I'm letting the side down here but I've just hit a brick wall. I know I haven't been doing the whole DFW thing too long, but in all honesty Im starting to feel like I'm just not cut out for it. My head doesnt…
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lodger advice - help
Hi A year ago I took in a lodger who I used to work with. He has always lived in shared houses or lodged from someone. But I think he takes liberties. He is the first lodger I've had and as he is sort of a friend, I didn’t set any "rules" and didn’t ask for him to pay a deposit either. Number of times I’ve had to remind…
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What have you spent - Sat 29/4/06
Hi - apologies again for a displaced thread, I'm just catching up after a few days ill and wanted to keep my spending diary straight - and I thought others might too. Spending on Sat: £10.00 paid via OH to OH's friend to reimburse his petrol £7.50 paid to OH to reimburse him for fish and chips on Friday night (paid…
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What have you spent - Fri 28/4/06
Hello, sorry for being retrospective and I hope it doesn't confuse anyone having this thread out of sync but I'd like to post my spends per day so I can look back at them and thought others might too. So - Friday. I spent: £2.50 parking (and nearly gave myself a breakdown, trying to parallel park in a too small space.)…
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Is this a good idea
Folks, I've a mortgage balance of around 98K on house valued at 95K last year. Now probably worth 105K. paying 530 a month to NR ( repayment) - no tie in. I have 11.5K on 0% CC and 5K student loans (?3.9%). Should I go to interst only mortgage??? Then have more cash to be able to snowball my other debts quicker.
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what have you done today DFW style 1st may 2006
thought i would start this one off too! loaf in BM and a wash on so far, need to do some ironing too. nothing special planned today as dd has the pox! and ds3 has temperature. have let the chickens out onto the garden today....4 eggs this morning!!! might bake some cakes later!
