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Card For Buying Online?
Hi I have bad credit from the past, and i cant get a CC, all i have is a simple savings account with Lloyds TSB. What i want, is a card of some sort, that i can use to buy things online, and that i can hook up to paypal etc, and use on online stores. I cant even get a current account it seems. Where can i go? Any ideas?…
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My start to getting out of debt
Ok, here goes. Thanks to reading purpleprincess' diary I have decided to list my own finances down and see what you think about how I'm doing and if I'm doing anything wrong. I'll do both my finances and joint finances with my husband so you can tell me if there is any better way of doing things. Ok, I'll start with the…
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IVA 1 year on
Well it has now been just over a year since we started IVA. We owed approx £110,733 excluding IP fees and after a 13 months now owe £101,223 so by 5 August we will be below £100k. How our life has changed....... 1...no credit cards for 18 months now and believe it or not we do not even miss them. 2...we now think before we…
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I think this changes things
I have just taken on an additional bit of musician work, as a resident so it's secure. It will give me an extra £600 a month so that is £800 per month (I took off £20 for the extra travel) So now I have a full £800 a month for the creditors. DO you think it is still worth going through the debtline thing or should I pretty…
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Another Newbie!
Hi everyone :wave: I have been lurking now for some time and thought it was about time I said hello and thank you to Martin and all of you guys as you have made such a difference to my attitude and every day life. I have become totally addicted to this board and have been raving to anyone who will listen about how fabulous…
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Debt Dilemna
Hi, I am looking after my stepdads finances, he currently has an egg card with £2850 to pay, it has a 3500 limit. This is a result of consolidating all credit card bills onto a 0% card. He also has a loan from TSB that was for £8000 at 12.29%. (I have posted a letter to request cancellation of PPI today - hoping to receive…
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What food have you thrown out this week?
There are threads on what you have / haven't spent. Threads on what you've bought, what menus you've planned. But I was always horrified at how much food I chucked out before I started budgeting - so come on folks - confession time! I'll start off with: 1 manky lemon 1 rotten chilli pepper - and that's it for the week! Am…
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YAY! Debt under £1,500 now!!!
Like it says - I have reached another milestone!!! I feel like it's within reach now. Fantastic!! :j
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Financial tv programmes
Hello Does anyone know what financial and financial advice programmes are being aired at the moment and when they are on? Also do you know if anything can be watched online? Thanks
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Bankruptcy - what happens if you get a job and start earning ?
My girlfriend is considering declaring herself as bankrupt because she has £10,000 worth of debt and is unable to go back to work. She is unable to go back to work because she has just had a baby and due to high child care costs cannot afford to put the baby into care whilst working. I am concerned about her declaring…
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My SOA
Hi Folks, Following my post yesterday, here is my SOA. My monthly take-home is £1,435. The debts: Student loan outstanding = £6.4k. 3.2%APR. Paying £117 pcm until 04/11. Nationwide loan outstanding = £4.7k (6.7%APR) (Paying £80 pcm until 08/11. Amex 'platinum' card = £4.3k. 4.9%APR - for life of balance. Paying min -…
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Influx Of Finance Adverts On TV
Is it me or are there even more ads on telly from debt management companies? :eek: I tend to have Sky Sports News on in the background all day and this week there seems to be a tonne more of these adverts. The thing is normally they are just consolidation loan ads but all these new ones are offering IVA's. C'mon Martin,…
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Debt Diary of Nerd #100
I have no idea what to write in here, I am sure it will come to me as I go along tho!! As a few of you know I can't exactly post anything too personal at the moment as the OH is a member here and he went up the wall at the idea of me posting our debt so publically. Well yesterday was the mother of all wake up calls for us,…
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what have you spent today?
absolutely nothing since saturday. brought in lunch for work from home as usual. :)
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postings debt free
:j i am debt free :j from the day i first posted about my finances 14/05/06 i have put 100% into this day, many of you might say it was only a little debt but to me it was huge. I must say though it hasnt been easy, i have had to give up and sell things that i loved but today i am happy. I would love to say that i will…
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Britains streets of Debt - Friday
Am I supposed to feel sorry for someone who has spent money she doesnt have on a 28inch wide screen TV and an expensive stereo?
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Dilemma....
it's my birthday today, and I've very kindly been given £75 by my sister and mother in law.They almost always give me vouchers and I was looking forward to spending them, but once I pay this cheque into the bank it will pay a nice bit off my overdraft! I'm so intent on getting rid of it that I will be loath to spend it! So…
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The fightback starts here (I hope!)
Hi guys, I'm currently stuck under a mountain of debt, and I'm looking for some opinions on it please...This is my first post so be gentle?! I'm in debt to the tune of a frankly terrifying £16,000 (3 x 0% CCs, 1 x low-interest loan, 1 x overdraft). It's been this way for about 2 years and I've been treading water (paying…
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Can I transfer an overdraft into a "0% balance transfer" credit card?
Hi, I've just stumbled along this site whilst at work and I'm rather impressed, especially as I've just bought my first house.... Anyway, I bought my first house with a 100% mortgage and also borrowed more so that I could pay off my debts and have a clean slate. I am now left with a £1000 overdraft in a graduate account to…
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reducing grocery bill
apologies if posted in the wrong area! Ive just cheked internet banking and we (when i say we i mean the mrs!!!) spent £615 on supermarket shopping in the last month. We take home about £2100 so thats nearly a third!! i used to think we were quite savvy - ie always getting stuff on offer but it seems not! Can anyone give…
