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Anyone with debt of around £4k?
I was wondering who is in the same boat as me with a debt of around £4k? I'm just interested to know about others the same as me and how you plan to sort your debt out and what your repayments are etc - if that isn't too nosey.
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what have you spent today? 19th june 06
mornng all. off to tesco this morning for weeklyfood shop and petrol, will update the damage later! what have you spent today?:D
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Just when I thought things were finally sorted...
In February of this year I started a debt management plan with Allclear Finance (biggest mistake ever!). Anyway, I cancelled the DMP in early May. I decided to have my own DMP. I telephoned all my creditors (11) and received up to date balances. I then worked out how much money I had left each month for my creditors…
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How much am I allowed?
New to this bit of the site so be gentle on me please:D Am just about to start a budget plan this week to deal with some debts my OH has. The question I have is regarding what creditors think is a reasonable amount to spend on food, household stuff, and other general bits you buy when shopping for food and household.…
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Sending Good luck to Kath
Not very dfw. I want say `Good Luck` to kathfisch for her degree exhibition for next friday. Does anybody else want to add their good luck wishes. Good Luck Kath Messy
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My debt to the bank has been sold-on
After five years of illness and unemployent, and paying off a large debt to my bank at a 'token' £1/month, the debt has been sold-on to a debt collection agency. I am never going to be in a position to pay off the debt - I have a serious, terminal and progressive illness that prevents me from working. I claim Income…
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Can I post my SOA?
Hi all, I love reading this thread you're all so great :) I was wondering - could I post my SOA for you all to examine - I'm not in any major debt, more like I can't work out why I'm not saving as much as I need to be. I'm by no means extravagant, but I'm saving for a car, and want to be more sensible with money to afford…
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Quick tips.
Just thought i would start a thread for throwing up some real quick tips, anyone can then just have a quick mooch and use them if they want to:-) 1) Bulldog Broaadband only 9.95 per month, and free evening and weekend calls for 2 months til end of June. This is cheap, so get on. 2) Pet plan are offering first 2 months of…
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Just Found out OH has BIG debts
I've been following all the MSE tips for a few months now and as I pay all the bills at home was pleastantly surprised at home I was reducing our bills and managing to put some away now for the kids for the first time ever The wife & I chatted the other night & I was telling her all about the MSE stuff and she started to…
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Why does it cost a fortune to keep fit?
I'm currently looking to lose some weight, get a self esteem boost and improve my health, and was looking to join a gym. Having done some research though, I'm beginning to lose interest due to the sheer cost! The gym local to my work wants me to sign up for 10 months at £28.00/mth + £10 joining fee, and all of the gyms…
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Pay a loan with a credit card.
:confused: How can you pay a loan off with a credit card. i have a cahoot loan which i want to lose and a Lloyds tsb credit card with £15,000 limit. I am going to ask LTSB what is the best transfer for life apr that they can give me first, but if I cannot pay the loan with it then there is no point. Any help welcomed
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Debt advice needed please
Hi there, Firstly Im new to this site, but I hope someone can offer me some advice. Im writing on behalf of my parents. They have had a lot of debt problems over the years, and now, finally, they have contacted CCCS and have sorted out a debt solution problem. They now have a "Debt Management System" where they pay 51%…
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fishface69 - do you need...
a no spend day and exercise buddy? how do you do your exercise sessions? do you have a dvd? i've got an old tae-bo dvd here at home, so if you need a buddy to be accountable to, i'll do you a deal. i'll do one session on the same day you're doing your exercise session (i see you have one session planned for this week). the…
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My New SOA
Now thats it's just past the 1 year mark with IVA and we had to do SOA for IP thought I would also post it Salary Hubby 1,750 (basic without overtime ) Me SSP £70.05 per week 310.00 CSA from ex hubby 260.00 Child Tax Credit 37.00 Family Allowance 75.00 Total 2,432.00 Mortgage 287.00 Home/contents Insurance 29.00 Payment…
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Barclaycard - Stopping the interest
Hi My In Laws have got themselves into all sorts of financial difficuties and we are slowly getting on top of the debts for them. I am hitting my head against a brick wall with Barclaycard - they are contimuing t ocharge interest and late payment charges each month. Has anyone managed to get Barclaycard to stop the…
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70k debt and tax fraud
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Goals week starting 18th June...
Couldnt see this posted anywhere so what are goals for this week? Last weeks are here if thats any help! http://forums.moneysavingexpert.com/showthread.html?t=210672 :o
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My SOA
Income - £1277 after tax a month Monthly outgoings (the water, gas, elec figs are my half of the bill) Rent - £730 Gas - £50 a quarter (EDF) Electric - £50 a quarter (EDF) Water - £20 (EDF) Phone/Broadband - £0 Mobile - £35 Council tax - £65 Travel - £60 (£3 a day on tube) + £40 (to go home 'up north' twice at £20 return)…
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Debt Bemusement - Help/Advice request.
Hi everyone, I usually lurk around the freebie forums but have just discovered this forum due to being at my wits end regarding my current money problems, which I am hoping someone may be able to advise me with. Due to mistakes made and giving my trust to someone who took it for granted, i found myself in £7,000 of debt 3…
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Martin SoA
Until last month I was working nights as a social care worker for people with mental health needs and also had a secondary job as a cleaner, my net monthly income was: £975.00. social care job. £300.00. cleaning job. My live in partner also chipped in with: £320.00. An opportunity came up to work days at the project, the…
