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Is this too easy a way out?
I've just joined and after reading some of the posts, I feel a bit of a fraud. My debts total £5,400 and compared to some, I feel that I shouldn't be asking for help. I am a single parent of a 4 yr old and my debt just seems to be growing and getting me down. I have just been rejected for a Capital One 0% card (though…
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Advice needed for a
I am a 31 year old male who would really like to look forward to a debt free future. Hopefully, I will get some good advice from you guys if I tell you my story so far... Debt today: (none of the interest rates are 0%) Student loan number 1 - £12,000 Student loan number 2 - £2,000 Natwest loan - £9,000 Barclaycard - £936…
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On a mission
So, I decided to sell the house! And have found a house to rent :j But, I need to do some work here so this afternoon I have been on a complete mission. I have been quidco-ing and so far have £126 in the pot, also today is 10p listing day on ebay so I have gone through my house and am listing like there is no tomorrow. My…
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I Need A Major Kick Up The A$$!
This is basically an entry from my debt diary but I wanted to make it more public here so I can shame myself back on to the straight and narrow! :doh: Feel free to shout and scream at me and flog me where appropriate! :o Been doing some sums and May really was a bad month for me! I was overdrawn by £439.17 when I got paid!…
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A mixed day in the life of a newbie DFW
Plus points : 1) Managed to spend only 35 quid on next weeks shop, only need fresh fruit and veg from the market. That includes nappies so pleased with that (usually never less than 60). 2) Managed to persuade hubby to cancel National Lottery subscription :j 3) Managed to persuade hubby to cancel Sky and we're now on…
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Heads up- anyone who needs their credit report
Quidco are doing £5 cash back on Creditexpert for doing a free trial!!! :beer: :beer: :beer: :beer: :beer: :j
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BT tried to do me out of £224 quiid!
Hi Some of you may remembeer i postd a while ago about a BT account that hadn't been closed at my old address, even though they provide my service for this address (well they did). After an exorbitant amount of emails telephone calls and letters they finally sent me a revised bill for £10.40!!!! Slight bit of difference i…
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Debt being transferred from DCA back to lender?
Hi, I have an Amex debt which went to a Debt Collection agency (RMA)- but these morons are useless and not helpfull. I have £4500 outstanding balance that i owe and i can clear this with 24 months @ £188.00 per month however RMA are saying i need to clear this within 3 months or they'll take me too court!! I can only…
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Changing small denomination Euros to £
I wasn't quite sure where to put this, I hope its the right forum. My husband has given me 3 x 5 euro notes, and 5 euros worth of change - he got it as a rebate after a trip with work. It's about £12 worth, not a lot I know - but they messed up his wages this month so we're still waiting for an extra £200, so £12 would be…
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OH thinks differently
Hi All My OH aand I have accumulated about 20k of debt in the last 15 months. It really just crept up on us to be honest. Anyway, we had our lightbulb moment about a month ago... I'm trying hard to cut down on costs, and have saved an additional £100 a month but OH's spending habits haven't changed at all. We've had talks…
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£4K of debt - help!
I currently have two separate credit cards - Barclaycard (£3K debt) and Nationwide Classic(£1K debt). I also have two current accounts with different banks. I don't have any other adverse marks against me like CCJs or the like. I'm paying about £71 interest/month on the Barclaycard and £30/month on the Nationwide. My…
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Cant get a bank account
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hello
ok I am facing up to how in debt we are and you all sound friendly. I am married and we both work, DH has the better job financially. No matter how much we earn we never have enough to last the month.we have 4 kids too. per month we bring in aprrox.£2700 we owe aprrox £150,000 £116,000 on the mortgage £12,000 from the…
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What on earth shall we do ?
Hi, First of all thanks for reading this. My Partner and I are in a very bad and unusual situation and just dont know what to do. Ill make the story as short as I can, It all started with a few property sales and purchases, the purchase of a pub lease from a cowboy horrid brewery and a business that went bust after us…
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The DFnR Club
I must admit at the moment my main concern is being debt free but my aim is to become rich. I want to become rich for the following reasons: 1. To make sure my family are secure, and if necessary give them jobs 2. To create employment and wealth for my area 3. To enable me to do things in life that i wouldnt be able to do,…
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Who decides ..... ?
I'm just wondering who the final decision lies with about whether a DMP or IVA is the better option for my personal situation :confused: If I know that at today's I&E levels that it will take just over 12 years on a DMP then is this acceptable? We have about £460 to pay towards a DMP THanks:think:
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DCA/bank account debt
How does a DCA stand with regards to a bank account overdraft debt that doesn't as far as I know have a credit agreement signed? Lloyds threatend me on the phone this morning that i don't have a payment plan in palce which i do with CCCS to send it to a long term debt collection agency, boy am I scared :rolleyes: So is it…
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How much 'treat' money do you allow yourself?
Just wondering whether you allocate yourselves a specific amount per week/month, or whether it's on an 'as and when' basis. Back in the Eighties when the interest rates were so high, all of my friend's salary went towards her mortgage, she lived on a small NHS pension from when she used to be a nurse, and every couple of…
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Automatic millionaire - views please?
following the reading thread on here, I am halfway through the automatic millionaire book. I know some of you out there have read it and would like your views on the book. Has anyone else followed the advice to pay yourself first? Even if you have debts. Seems like a good idea to me! but I am unsure as to whether to pay my…
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Things Couples can do....
Hello Just want to know if you lot have ideas on what a couple who live on a budget can do together,with or without a 2 year old in tow. The cheaper it is the better, little romantic gestures would be helpful, but things I my OH can do together.
