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Impossible????
I need some good advise please! Debts total around £10k (not a million miles away from my yearly salary-just for some perspective). I give up-i have 4 credit cards and an o/d and i'm paying off minimum payments of around £200 per month. Interest charges around £100 per month. What i want ed to do was get a loan,…
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how do i
get on the old style moneysaving tips board thanks
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worn out...
Hi, I've been sitting all morning, surrounded by paperwork (c/c bills), trying to sort this mess out and to be honest I just don't feel I have the energy to do it. The interest alone is really getting to me. I applied for a 0% c/c last week and was declined! I owe around £24,000, and pay in the region of around £240 pcm in…
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Wont save you money but will make you laugh
Lots of threads on this board are a little depressing. We are all desperately trying to save our pennies and pay off our debts so here's something to make you laugh http://rinkworks.com/dialect/ i typed in this website and chose cockney it certainly made me chuckle. feel free to delete. Just trying to make some people…
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Hopelessly in debt but need new car!
Take a look at my signature and you will see how hopelessly in debt I and OH are......... Problem is our car is just about to choke and keel over; * Haven't got the money to buy one * Haven't got enough time to save up the money * Debt managment plan wont allow for credit/finance Have wife and two children and am postman…
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Things seem to be taking a turn for the worse, here's my SOA
Hi I've been a member of the forums since November last year and have read many, many posts on here. However I have never done an SOA. The reason for this might sound silly but it was because I knew we didn't have enough money coming in but was expecting things to improve. Quick background, I was made redundant from my job…
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National Spam Day?
Am I just paying more attention or has there been a lot more appearing on the boards recently? Is the sun bringing them out? By the way, I must tell you all about a great new scheme. If everyone sends me a fiver, I get rich very quickly. It works, I promise. :j
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Making Full & Final Offers...?
Just a bit of background...I am on a DMP with CCCS and have been with them since November. My debt is approximately £21,000 with 8 creditors and I am paying them £429 a month. The balance would be going down a lot sooner if it weren't for all the interest and bank charges! At the end of the month I am getting a very nice…
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Help please!
I've done the budget planner but things look very dismal. Can't break even at the end of month. Already defaulted on credit cards and store cards but despite explaining things to them, have constant letters and calls. Bank slamming me with Overdraft costs, and calls from them just sending me into panic. No money in bank…
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Am i the only one
please help me. i feel so alone, i am 28 with 2 kids and a husband and baby on the way in 12 weeks, we have an over draft of 1000 plus which has escalated thanks to car repairs sickness and broken tele, washer ect, and baby stuff. We have consloidated all debts and only have a mortgage now nothing else, just want to know i…
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debt management plans
hi new poster and was wondering about this plan. im thinking of going on this plan through payplan. i dont want to bore you with the details but im 34k in debt and have income monthly income of 1100. through last few years ive managed to survive by CC's and living of what ive paid of so they always maxed out (although…
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Reasonable chunk gone!
I sold my motorbike last night and instead of buying a new one (my original intention) I paid the money off my Egg loan! Kind of seems like I've just got rid of my bike and now have nothing to show for the sale, but I know it's the sensible thing to do in the long run... I've also got about £900 overtime money coming this…
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what have you spent today? 14/6/06
morning! i have to pop to tesco this morning as i have ran out of few bits. also need to buy something for fathers day. i intend on making a card so i dont have to pay out for that! will update with the damage later!
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New powers for baliffs?
I was wondering if anyone knew anything further about this letter to this morning's "Indepdendent"...? I have no background information and this is new to me, but if it's true this seems to be a matter of concern for DFWs. Can anyone clarify? Fines bailiffs can invade your home Sir: Are your readers aware that, under the…
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In Debt, Some advice needed
Hello there, I hope that you guys can help us. We are after a bit of advice as we seem to be going around in circles, 1 day we think 1 solution is the best the next day we have changed our minds. The situation is like this, I have become nearly £3000 overdrawn on my bank account and we have approx. £2000 on credit cards 2…
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Feeling low, need help picking myself back up
good morning everyone ! I just want a wee bit of help picking myself back up after a disappointment. OH just found out yesterday that he was turned down for a promotion at work and it has left me feeling really down. We have a baby on the way and desperately need the money as I am now on maternity leave and in a couple of…
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The end of the line?
I really feel now I should go down the bankruptcy route,it's not what I wanted but I have been struggling with this for a year and I know it isn't going to go away CCCs advised there was no other option but I tried my upmost to fight against this Its got to the stage where I am so stressed,continually worrying where I am…
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My Turn for a SOA
Deep breath... Right, bear with me, this might take a while. Statement of Affairs Budget (2 Adults 2 teenage boys) Income: My Salary £900.38 Partners Salary £753.33 Maintenance £150.00 Rent £80.00 Child Benefit £68.00 Total £1,951.71 Expenses: Direct debits Anglian water £34.72 ING Direct transfer[1] £51.00 Interest £31.97…
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Saving on ingrediants?
I have decided that I spend way too much down Tesocs. There is so much in our cupbords that we dont even use! We have a really good juicer and a blender which I often use to juice fruit etc. Anyone got any other advise? I was looking to find ways of making home made soup and putting my juicer/blender to good use! I went to…
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A day in the life of a Trade Union Rep.
Hi All, just wanted to say hello and thank you for an inspirational thread. Al though this is my first posting I feel that i know many of you personally through keeping up with your threads, and will marry Oberon (She is a female version of moi) if she is single:p Anyway, have had my light bulb moment and am crunching my…
