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To Second Mortgage or Not to Second Mortgage
Okay, deep breath. We are in a bit of a predicament. We owe a relatively small £53000ish on our mortgage with 17 years left to run. We owe app. £35000 in one secured £7500 loan, a £6000 unsecured loan and various credit cards. The loans and card debts were run up partly through the extension we built being a never ending…
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Spendaholics on now!
Don't forget this is on now - I've missed it the last few weeks! BBC3 Seaxx
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Looking for advice please
Really hoping someone can help me :confused: I've managed to get myself into a situation where I'm buying my groceries on my credit card every month, and I would really appreciate anyone's help or advice on how I might get myself out of this. To cut a long story short, my debts started mounting after I started living on my…
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CCCS Question
For those dealing with CCCS how important is it to update your balances with them? I only ask this because I was curious to know how CCCS know when someone has been completely paid off
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Looking for help
Dear all, I'm finding myself in a financial cul-de-sac at the moment and need some ideas and inspiration to help me out of this. My current take home salary each month averages between £1350-1400 depending on how much overtime I do. My outgoings - £325.74 mortgage £33.00 home/contents insurance £64.00 council tax £30.00…
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Money savvy or stupid?
My husband was offered the chance to buy a car from a guy from work a couple of days ago. He wanted £1,500 for it but my husband haggled to £1,200. Once the M.O.T is done I was assured we could sell it for £3,500 - £4,000 (guy was selling it because he bought a new one and was too lazy to get the M.O.T done himself and…
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For Kevicho- new SOA
Hi Kevicho, I have been thinking about doing this but don't feel like I have made much progress: Income: 1,760 per month (after tax) now: 2,258 (got myself a promotion!) Deductions: 80 Travel 90 Student Loan now 165 as pay has increased 18 AVC now 24.05 as pay has increased Total deductions: 188 now 269.05 Outgoings:…
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Credit unions
Hi I was just wondering if any of you had any experience with credit unions? Do they update the credit agencies- Im thinking this would help build up my credit file? thanks Stella
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My brother the Natural MSE'er!!!!!!!
My 'baby' brother who is in his early mid 20's came over for lunch today and we spent a few hours chatting about everything and anything. To cut a long story short he left home and came to stay with us 5 years ago for about 6 months. I left home under very difficult circumstances when I was 16, he was only 6 then and my…
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New Rule
I think once someone has posted there SOA it should be made compulsory to post an update one month later (with changes or ideas etc) Not only will we be able to congratulate or tut at people, but they will also see how well (or otherwise) they have done *** And also my noseyness is satisfied and im not left wondering if…
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My Diary
So I posted my SOA yesterday and got some good advice. I intend to call Payplan at the weekend and see what they can do. In the meantime I thought it would be helpful to me and others to post a diary on here, as I'm trying out as many money saving ideas as I can find! Current situation is I'm £91 worse off each month, and…
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He spent our money on beer
Hi guys After doing lots of planning for my upcoming maternity leave, factoring in boyfy's student loan so we had some money set aside after buying some stuff we needed, I have recently found out he was spent the last £500 of it - basically on beer. I have rein of pretty much everything financially except for his student…
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What a Good Day it is turning into be
Well not only is it payday today (Got an extra £50 in there), but the overdraft goes down another £150. have sorted my payments out with egg, can afford to pay abit more off on my barclaycard and I have just sold my 2nd item on amazon, that was only £9.01 but it was £9.01 I didn't have. I have £123 pounds left to last me…
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Bank Charges Reclaim
Hi Apologies for not reading through all the posts to find this but in work and checking in periodically. Can anyone direct me to the start point of Bank Charges Reclaiming. Sorry but it would save me time, and possibly getting caught at work. Reading the points on here I want to try. Am I ok to reclaim if I am with…
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Save Money on Transit and Get Fit
This thread kind of falls in the same arena as the Debt Free and Fat Free Wanabee, you’ll have to excuse the slight overlap… As a Money Saving and get fit effort, two of us from the office who live close together have been cycling from the outskirts of London to Central London pretty regularly for the last month, I’ve…
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Claiming bank charges bank help pls
I have decided to follow suit and claim back my bank charges...i have a letter asking my bank to tell me all my bank charges they have put onto my account over the last 6 yrs....and put £10 cheque in it....so... Where do i send it to?? My local branch or the main head office? :o :o ty for your help!
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Almost another Month done with!
Payday next Tuesday and im on target for my savings challenge (ie 1100 left in my account) with a total left at the moment of 1270! However im not overly pleased with myself as this is only the case for 2 reasons 1) Selling 90 quids worth of stuff on ebay 2) Winning 140 quid on the eurovision, So in essence im 60 quid down…
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Reality Check Update
Hi All, I had so much brilliant advice last week from you all that I have been working through it all this week and here is what has happened so far! I have a letter from the IFA stating that the policies I had from the bank are totally useless. I have income protection for my hubby that would not even pay out as he would…
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Sisters Full & Final Payment Accepted!!
Morning Guys Been helping my sister to sort her finances. Her son is disabled and on Income Support etc. I drafted a letter for a full and final payment explaining basic details and this morning she has received a letter accepting the full and final payment of £200. The outstanding amount is £813-so thats 75% written off…
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What will you/have you spent 25th May
Meeting my sister for out monthly breakfast treat & its my turn to buy. So have no idea. Depends where we go. Hopefully Debenhams! I need hair conditioner as well. Hopefully Boots will have some offers. Also did a food inventory so need to get a few bits for that, estimate £20 on that. Will post back later with proper…
