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Need some advice PLEASE :) **update**
hi there; just thought i'd post my current situation, and from reading the other threads; i'd have a go :o Here we go :eek: : Monthly Incomings: My salary - £1000 [takehome without overtime - paid weekly] Partners salary - £0 - Housewife CTC+CB - £144 [soon to rise Baby#2] Total - £1144.00 Monthly Outgoings: Mortgage/Rent…
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DFW Signature Thread
I love reading people's signatures, watching their progress as the debt slowly drops. Post here so I can keep up to speed!! :T
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I need a proper budget
I am trying to reorganise my money and working out a better budget for myself, but I really am having trouble. Can anyone help? This is my 'ins and outs' every month: Income: My take home pay (after deductions) is £1000 Outgoings: £100 Northern Rock car loan (due to end in Jan 07) £30 car insurance (thoroughly researched…
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under pressure
ok update time, big debt, with payplan, all companies invloved aint happy but mint and tesco loan have frozen interest and have agreed to the payments. Biggest problem MBNA (shock horror) they want £90 odd per month they will take me to court and say they WILL get awarded in there favour as my debt to them was due to…
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don't wnat my kids to end up like me
I have been doing a lot of thinking today and am trying to decide how best to teach my kids the value of money. We are in year 2 of an IVA after running up debts of £110k. Child 1 is 16, works part-time earning between £40-£70 per week. I give her no pocketmoney and she buys all her own clothes, toiletries etc. I top up…
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Deliver catalogues
Hi Hoping someone can help i remember seeing somewhere on this site (which im having trouble finding now) about a website which is specific to delivering leaflets/catalogues. I have to post leaflets for my own business so was hoping i could do it for another company also and get paid at the same time! Anyone have any…
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Giving up smoking the second time around
ok, i tried to give up smoking a few months ago, and i failed miserably, so here I am for the second time around!!!!! I really dont want to smoke any more, i dont enjoy it and I am fed up of the smell of it on my clothes and hair :mad: . Cant afford to do it at all. And I am fed up of going into a blind panic every time I…
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Please help!!!
I am looking for a basic bank account, I have been declined by Natwest and Co-op even though they are supposed to be for those with bad credit. I have been under an IVA since January this year. I have got an account with Halifax at the moment but they have threatened to close it since I am trying to reclaim bank charges.…
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c.a.b advice
i have got £42000 worth of debt with 4 creditors, i went to the c.a.b for advice and he gave me a letter with my income and expenditure form to send to each of my creditors, which i did. the big one of £24850 accepted a reduce payment of £90 per month for six months, and the smallest creditor of £1250 accepted a reduced…
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International debts?
I am being chased by our friends RMA for an outstanding debt that I have with MBNA. I have been in contact with MBNA (phone and letter) to explain that I am not in a position to discharge the debt as yet, but should be able to begin a repayment programme as from August. (I have moved to South Africa and do not begin work…
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Loans to pay off Debts
Good Idea or not .. i have posted in the Loans bit but no luck .... my Partner suggested taking out a loan to pay the debts off at once and then just make the one repayment a month ... is this a good idea or not ?? opinions please ? thanks again xx
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Please help - need some advice
Hi, My husband and I are in debt and have trouble paying our bills. Our outgoings are more than our income and it is a real struggle to make ends meet. (I have also run out of stuff to sell on eBay to help paying our bills) Only my husband is working at the moment. I have trouble finding a part time job and a…
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DFW Childrens Activity Holidays
Hello DFWs I have booked for my kids to go on activity holiday for a week this summer. We have never been able to afford such a thing normally as they are several hundred each child. This one seems to be be sponsered by the national lottery & cost £100 for a child who hasnt been before, plus transport if required. Its £25…
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Mam's birthday
Hello All, Just wanted to tap into your collective creativity! It's my mam's 61st (don't tell her I told you!) birthday on June 21st and I need a fab pressie for her. Whatever I get her she will say 'awww you shouldn't have', but I'm sure that if I got her nothing she would be miffed! I am on a restricted budget (in…
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my mole hill
i was feeling realy chuffed with my self as i have managed to get my overdraft down from £1,500 to to just £300 and thought i would look at the debt free wannabe [never been on this bit b4] i feel a fraud as my debt is nothing by comparison so my bubble burst good luck to all in this furum i will post another when i am…
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Piratess's Debt Diary
I wanted to start a diary if thats ok! because i always think i work better when i can write things down and know that others are reading about my thoughts etc ! think it stems from being at school! lol Well Im in the process of writing 3 letters to the debt companys i mentioned last week, and im asking them to send me…
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barbecue Ideas
Ive been invited to a barbi friday (poor misguided fools!) and need some ideas for food/drink to take Suggestions most welcome :)
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pay off £25k loans by opting for an interest only mortgage?
these are mine and my husbands outgoings, we are thinking of doing an IO mortgage and saving up what we would have spent on the repayments and then when we've saved up enough or at least enough to pay off our biggest loan (£12k) then we would switch back to a repayment mortgage. would this work is it a good idea??? House…
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I did a major thing at the weekend!
A DFW update for me. After careful thought and deliberation, I have given my 2 lovely pedigree cats to a close friend and her husband to have temp or maybe permanently. Please dont judge me as this took a lot of guts to do and I'm not heartless by any means! Due to them being at my parents house whose 1 out of 2 dogs wants…
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my sorry soa - what to do?
Right, here it is: egg loan 3300 - 300 pm cahoot loan 620 - 192 pm beneficial finance loan - 3800 - 148 pm mint credit card 3850 - 100pm morgan stanley card 1000 - 25 pm halifax card 1750 -35 pm as you can see, i am paying 800 pm in debts - but my income is 1120! I need to reduce my debt repaymets by at least 300, pref 400…
