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This worked for me - Advice offering!
Hi All, Just a really quick post as I am running late, but I thought it might be helpful to some to share this information: Hubby is beginning to understand that money runs out, the way that he has realised is that he gets his income paid into HIS account and he can only spend what's in there. On Sunday morning, he filled…
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HELP! Broken / Damaged window
Hi, Once again I know it's the wrong board but there are so many lovely helpful people here, that I feel at home here! Yesterday my middle child damaged the hinge on our double glazed living room window. I've managed to push it back into place and force the window closed. I could call the insurance co, but I think I can do…
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Selling my stuff - is that the answer?
I'm not having much joy at finding a second job, the part time jobs in my area are all during the working week, which is no help for me at all. But I will carry on looking. I've been thinking that maybe as a short term fix I need to sell my stuff. I don't own a huge amount, but have books, cds, knick knacks etc that I…
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what have you spent mon 12/06/06
morning all :D bit early today but glad as i wanted to be up early, thunderstorm woke me up so i have been sat for an hour watching it :p anyway, should only be a tube of sting/bite cream today, if i can be bothered to leave the house lol. back to work tommorow, oh the joys, but at least i will have more nsd's :rotfl: hope…
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Debt and Bankruptcy Advise
Hello, I have been reading quite a few of the threads on this site and its great. I wondered if anyone could give me some adivce. Ok, I'am female, 25 years old, live with my partner who has a sole mortgage on the flat, so I pay him rent. I am around £28,000 in debt. It hurts to even type it. Broken down, these are the…
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debt and house ownership
Hi everyone. I am looking for some advise..... I have just had a major lightbulb moment or really a weekend of light bulb moments and have decided to get to grips with my out of control debt. I appear to have 28K plus yikees but the good news albeit small is that the mortage is up to date and all the other debt is…
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Expensive week
I am not looking forward to this week as it looks like it will be quite an expensive one. Aside from all the normal bills to be paid and shopping to be done it is that time of month again when the worst CC must be paid, it is never cheap and with the new agenda to be debt free in 3 years it is even more expensive than…
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Hard Times, does it get better
I know there are many worse off than myself, but just having a really down moment. Im trying to sort myself out with my debts (currently getting a DMP set up) but i just cant help thinking what a let down ive been with regard to my debts. Im having to give up my dream job to try and get something more regualr as the ups…
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Some advice on Improving Credit Score Faster
Hi, Haven't posted here much since my lightbulb moment in Feb but I'm pleased to say I'm making progress with my debts and I haven't missed a single payment. I'm not exactly finding it a breeze to get by and have literally been out once a month where I would have gone out once a week before but I'm feeling good about…
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Lightbulb Moments how & when
Just wondered what it was that pushed you towards your lightbulb moment and your start to the road of debt free? With me I guess it was the fact that balances didn't seem to be reducing and the snowball effect meaning I couldn't keep up. I'm worried that my oh hasn't had one and really am worried cos my estimate of his…
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reclaim bank charges help
hi all does anyone know if when making an application to reclaim bank charges whether you have to state all charges or whether you can blanket claim and just say i want all the charges back you have charged me since the account was opened my record keeping leaves a lot to be desired thanks
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Its way too hot today
Im hot, have been working, and my favourite pub EVER has shut down Im quite annoyed and for me in my Zen like state that is annoyed! I felt like having a bit of a rant about spelling 5 mins ago, but then i remembered that mine is just as bad. Still ive made some quick cash and also ive not spent anything today so theres…
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A mate has gone bancrupt
Anecdotal but maybe worth mentioning.A friend,aged 29,has just declared bancruptcy.He ran his own shop but in about 6 years he ran up £60k of cc and loan debt.bearing in mind that he doesn`t own anything bar a £3k car which is in his mothers name I feel that the lenders have been very rash in lending thai amount. So last…
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Need your advice - GF in debt
Hi everyone, I'm on here to see if any of you excellent moneysavers can help out by giving me some advice. Here's the story: I'm living with my girlfriend who after we started going out told me that she had a few debts to pay off. Loans and Credit cards.. She said it was always her problem to sort and didn't want me…
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Extremely threatening letter please help!
Can anyone give any advice? I have received a letter from a company called Bishop Investigations O.B.O Connaught Collections uk to arrange service of a statutory demand issued under the insolvency act 1986. To explain a little bit, I took out a loan in 1999 of £5k, and although the loan was in my name, my partner at the…
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Debt Diet
Hi everyone I am new to the boards, so please be kind ;) I have been reading this thread with interest - I need to clear my debts too. Coincidently I have been watching Oprah Winfrey on tv, and she has a "Debt Diet " series on at the momenrt. It is very much USA based, but lots of useful tips on it too. See what you think…
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Financial Housekeeping
Was just wondering how long you fellow DFW's keep all your financial paperwork? :confused: Not only bank statements, and bills, but things like P45's or whatever it is you get at the end of each financial year? Every so often I just tend to shred all credit card statements and stuff so I only have the last 12 months or so.…
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advice on equity release against property
Hi, It's my first time on the forum. Not sure how to go about this. But I need some advice. My father has just passed away and my mother is left with an outstanding mortgage, a small loan , funeral costs to find, and needs money for some property repair. There are no savings or insurances to come. Someone in the family has…
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advice on equity release against property
Hi, It's my first time on the forum. Not sure how to go about this. But I need some advice. My father has just passed away and my mother is left with an outstanding mortgage, a small loan , funeral costs to find, and needs money for some property repair. There are no savings or insurances to come.
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A message of hope!
hi everyone! this is just a message to everyone who feels that their debt has overtaken their lives Please don't despair, your life is much more important than any debt you may have! my advice would be to get on board with a company like CCCS who i'm with or Payplan, I'm currently £20,000 in debt and used to pay my…
