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SOA for perusal please
Hi everyone, I have been a member since February and have taken loads of suggestions on board already. Please take a look and see if you can reduce my outgoings anymore. I have put comments next to the entries. We are 2 adults and an almost 1 yr old. Income 2250 salary jt 68 Child benefit 35 tax credits I have reduced my…
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Food Shopping Bills
Good evening, My partner and I are in a lot of debt but we are definitely spending money unneccesarily particularly on food shopping. We usually shop at Tesco and last week we tried Aldi which turned out to be cheaper but not by a great deal. How do you guys cut back on your food shopping bills, do you shop at a particular…
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Leanne's Debt Diary
Hello! Going to do the same as a lot of people on here and keep a diary of my debts and spending. Dont really want to see it all typed out but it can only help I guess!! S.O.A INCOME £850 - £1000 - As Cabin Crew, this can change from month to month. It can be more than £1000 if I do well on saving my allowences when I'am…
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Fallen off the wagon this month
What a month... 4 birthdays to get presents for, 1 new baby, 1 wedding and 1 christening. The expenses never stop. I have also found out that I am pregnant- a complete shock and definitely not expected with this level of debt. The only comforting thing about this is that I'm only 7 weeks so have a long time before…
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where is the goals for this week thread?
did anyone start one? i find it really useful? carli
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**update** and help please
we got some good news today we got a job offer and it will be full time instead of the part time they were offering for about the same money to so i can get back to clearing debts soon .my question is we wont get paid for a week after starting.but will get about £350 from the old job im tempted to put most of it on the…
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Any advice?
I have a friend who has a completely different outlook towards her debts and bills than I have, in that I want them paid off ASAP to avoid paying interest (if poss) and get into the habit of saving and having money to do that with and enjoy myself with. That and planning (hoping) to start a family in the next couple of…
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Can someone help me please
Hi, I have just joined and was wondering if someone out there could help me and give me some advice.On Friday 9th June I registered with Littlewoods Catalogue online and placed an order.I was sent 2 emails confirming my registration and my account number.I found I couldnt access the account and it gave me a phone number to…
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Which to choose...
Hey guys, Looking to you for help in choosing which to pay first. I have an egg card - 0% until Oct, balance £1984.75 and a barclaycard - 6.9% LOB, balance £2738.62. I have £500 to pay off each month, which do I pay first? I hope that when the 0% rate ends in Oct I will be able to move this money to my empty Abbey card…
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Feeling overwhelmed
I feel overwhelmed today and I don't know what to do. Every time I think I find an answer I change my mind. I don't trust my judgment anymore and I am afraid to make any decision because I am scared it's the wrong one. I am being hit at all angles and every day it seems there is a new problem. And worse I have to carry the…
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My debt list so you can all help me
I am currently in debt with the following Mortgage 75,000 with 20,000 loan on with it as consolidated pay £450 month fashion world catalogue £35 pound pay £5 month provident loan £500 pay £15 a week over draft of 1000 approx tele rent £23 pound a month washer rent £26 pound a month not major but its the over draft thats…
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Bailiff Charges?
We have bailiffs coming round tomorrow (or sometime after tomorrow), in relation to outstanding Council Tax. We have not previously allowed them into the house and they have not previously been able to gain ‘peaceful entry’. The Notice we received from them today stated an outstanding amount owed which seemed excessive, so…
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Help! Your wisdom is required!
Now that I've got your attention...haha sorry.... My friend is paying nearly £300 a month on her mobile bill to her boyfriend who lives in Ireland. (and has been for 4 years!!!!!!) (She is from the UK). I have suggested she get a landline and take advantage of the cheap international offers they have but not being au fait…
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ist credit
hi, can any one advise me on this one for a work associate they have recieved a letter at there current address from 1st credit they owed debt from first marrige at previouse address , the debt i think from what they say is 5 years old whats the law on this one can it still be collected etc do they make contact ive…
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Claiming Back Charges from Bank
I'm sure this information is somewhere obvious on the site and I've missed it, but what charges and for how long can we claim back? Although I'm debt-free now, I did have some charges from a year or two ago when I had a couple of overdrafts.
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Had a dream about wasting money!
Has anyone else had a dream about saving money whilst in the DFW process? Last night I had my first dream of this kind and was so pleased to wake-up! In my dream, I had gone to New York to visit friends and had embarked on a shopping trip. In the department store, as well as buying things for myself, I ended up with 6…
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What would you do?
With the help of this site and being inspired by the posters on here, I am now in a position to be debt free as of next month. Can't believe it! Having not had a social life and only spending on essentials all year, I have saved enough to pay off my car (10 monthly payments left plus final 'deposit') early, saving me about…
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i'm sorry
Before I type anything else can I just say I am sorry. Sorry for the drivel that is about to come out of my finger tips..... I am so so fed up. I started to feel down yesterday and today I feel horrendous. It isn't any one thing - it just seems to be loads of little things - it feels like it's everything (but my logical…
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mackenzie hall
I recieved a letter from empire collections today about debt with mackenzie hall. This was a final demand even though we have recently set up a standing order and payments have come out. I presume they are the same company as the phone number is the same, their is no address on the letter just a phone number! we have been…
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being chased after 6 yrs!
hi can you help i know there are some on here who really know how to deal with this, i separated in 2000 from my husband moved into rented accomadation anyway we got back together im sure it was july 2000 and i moved back to the martital home anyway i just got this letter this morning from a company called LOWELL…
