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Argh I've got the money spending urge!
Firstly I need some clothes I tend to only buy clothes this time of year wear them almost contantly so they are pretty scruffy within a year. Can't actually find any clothes I like tho, so not much danger od spending on those yet. All I really need is another pair of my staple combats really. I need a vaccum cleaner as the…
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advice please - but not for me....
Friend of mine is about 30k (+ mortgage) in debt at 23. Most of this has come from buying a house with her waste of space ex. Even though it's a joint debt it's in her name as she had a better credit history, approx £10k is secured on the house. Her ex was in and out of work and spending the bill money from the joint…
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what have you spent today sunday 18th June 06
hello there! i dont plan on spending anything today. tomorrow is the start of my week and my weekly shop so i will be spending then instead! what have you spent today?
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Will making this thread and bookmarking it help?
I lack financial discipline, I spend what I have till its gone then borrow until I get another chunk of my earnt money.. Im at the end of my 2nd year in Comp Sci, a bit of a late-starter at 22, living with parents to reduce my debt heres how it stands at the moment though : Year 1 : 3k Student loan, £100 Burtons shopping…
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Reclaiming Bank Charges - Is it a get out of Jail Free Card?
Hi All I know this is going to rub some of you up the wrong way but I have to say I don't think there's anything wrong with banks charging as they do. I know there's a lot of people who reclaim their bank charges but let's be honest - the fact that you can do this relatively easily is a lifeline for you! I've never ever…
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advice please
up until today i was getting dla high rate mobility and low rate for care i now have 2 questions i have got a bank loan of 7120 without the interest and 3 credit cards 2500 on 2 of them and 300 one the other what can i do about them obviuosly i cant pay hem now is there any help second if i transfer my income support…
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The light is beginning to flicker brighter!!
I have been putting my debt management plan into place the last three weeks. I have nearly had replies from all my creditors some helpful some not so but ok. Only one major one left to organize this is the one i am dreading but no reply from them yet!!! But i feel i am getting organized with my bills. I have joined survey…
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Debts bite you on the butt.
Hi. This is great to be able to air my problems with people in the same boat, and among some experts who are here to help, but not judge. Thats excellent. OK. I have defaulted on credit cards, loans, car loans, HP for a long time and it never really bothered me before. It meant i got nice things and never had to pay them…
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It's only material...but
Hi I just want to have a little moan actually, my bag got stolen out of my locker today and luckily I did not take my wallet with me, so was just my bank card which I cancelled asap...but I am really upset. I know it was only material things, my bag, my clothes and £10, but I saved my money from working extra hours to buy…
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Can I survive?
hello i am another newbie - been using the site for ideas for a while but due to a recent change in circumstances, i am now starting to get worried about how I will afford to live. I have recently split up with my boyfriend and next month I will be moving into a one bedroomed flat by myself. Therefore, my outgoings are…
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Pictures
:confused: Off Topic but where are you all getting the pictures under your names from i would love one.:confused:
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getting out of debt
Hi I have around £15k of debt (unsecured) and was hoping for advise on the best way to get out of it. I have spoken to a firm who advise on de bt management and they basically said they would deal with my creditors for me and i would pay around £30 per month to all my creditors. This will happen over a five year period and…
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Clearing an £1,800 overdraft
Newbie to this thread, please be gentle! My OH has an £1,800 overdraft with NatWest and I'm looking for the best way to clear it. Is it possible to switch the debt to a 0% CC? Or is a loan better? Sorry if this has been covered elsewhere, please feel free to point me in the right direction. Thanks :j MM
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Debit card holding amount - online shopping
Asda have charged me twice for my online order. I rang them and apparently they take the guide price out of the bank before doing the order. This ensures that there's money in the account before doing the shopping! They call this a holding amount, until the real amount goes out. I'm pretty sure this isn't allowed, but if…
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Grocery Bill
Ok I have to admit it, no matter how hard I try just cannot get my grocery bill down. I lift £80w from bank for groceries every week and usually end up spending every penny of it. Every Friday I go to bank and withdraw £210 Ex wife £70 Petrol £20 Hubby £20 Daughters lunch money £10 (hope to save this over summer to help…
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What have you done MS today?
Starting thread cos I did something! My gardener has worldcup fever and is nowhere to be found! (I know, gardener. Trust me, as soon as I have a job which means I'm home in the week, he's going. But I can't face laundry hoovering etc AND garden at the weekend.) So as it (finally!) isn't blazing hot, did it myself and saved…
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Time To Throw My Hat In The Ring!
Hi, After a long time lurking and reading these forums I have decided it is time to confess my debt. I have had my lightbulb moment and have decided that sharing my problem with you guys might take some of the weight off my shoulders, then after a good long cry I might feel a bit better! I have had a gambling habit that…
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Nectar surprise
Not a fan of loyalty schemes tbh with the low points to the pound. However since buying my first car and always being asked for a nectar card at BP, I thought this could be worth something combined with the odd visit to Brewers Fayre and Sainsburys. Was just about to order a card and an additional card for my gf .... when…
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Some advice please
Hi, I hope you guys can help me out with some advice. I got my meeting with cccs on the 28th, the same day as all my bills gets paid on. I'm not sure yet if my husbands wage will cover all our bills this month. Today I had two red letters on bills that are overdue. They are threatening with debt collection agencys. One is…
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What have you spent today - Sat 17/6/06
Here's todays spending thread...whooo hooo... how wonderful... :T hee hee. Well after that Spendaholic day yesterday it should be a No Spend Day for me - hooray....:rolleyes:
