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Where Is Everybody?
Is it me or has this board seemed really quiet the last week or so? :confused:
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Quidco!
Has anyone else used Quidco? :confused: I've opened a couple of gambling accounts to get the referral fee. For example you get £25 for depositing and gambling £10. Now I normally lose that £10 but I'm still £15 up! Is that the way everyone else see's it or am I missing something? :confused:
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Peer Pressure!
I just wanted to express my views to people who understand!!! You great money saving lot out there. Don't you just feel alone sometimes in your great money saving plans? My husband and I read martins book and since January have really put so many things into practice. We have made great achievements. ie.. trans our cc…
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Debt Advice
Hi I'm new to the board and just wanted to know if what I'm doing is right or is there any better ways to clear my debt. Nationwide Visa £649.13 Limit £3740 14.9% APR Paying £50 a month Bank of Scotland Visa £4439.52 Limit £5300 Currently 0% Interest until October Paying £150 a month Cahoot Flexible Loan £5897.27 Limit…
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payment breaks
Hi all I am currently just looking at the best way to clear my debt have previously posted my soa and got some great help. just been onto the snowball calculator and come up with a idea but don't know if its good or bad . As one or two of my credit cards are high APr detailed below and i also have two loans with lower apr…
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Bankruptcy Info needed please
Hi A friend of mine is in alot of debt and she is considering declaring herself bankrupt. There is no way she can get out of the debt she has over £40k's worth of debt and only earns £700 a month. I'm basically trying to gather as much info about it so I can help her. She has been told that she has to pay £450 and then…
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Debt evening classes in Reading, Berks
There are one-evening classes on debt and creating a budget starting on Tuesday 20 June at a church hall in Reading, Berks. They are free, except for maybe a small contribution to the church towards the room hire. Starts 20 June 2006 and every Tuesday 7-30pm. Please mail for a place, if interested.
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Need a bit of reassurance
Hello, I have a feeling that I may get a barrage of people screaming at me but I just need a bit of reassurance! I have just over a year left to go on a 5 year loan which costs me £260 a month. I have got payment protection on this loan and want to know if it is worth having or should I try and cancel it? I don't know how…
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Is this part time job dodgy?
I'm looking for a second job and saw this in my local paper and it looks ideal: Part time marketing assistant required to develop business opportunities for a small local busienss nurturing existing contacts and developing new within the construction industry. Working from home you will possess an excellent telephone…
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Skipping work tomorrow to save money
I will go through it all another time, but I had a panic today when I realised just quite how much of a financial pickle I am in (ignore my sig). I'm thinking about bunking/skiving/skipping work tomorrow (which saves petrol), and spend the day ringing and going around companies in my area. There is also an informal team…
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Need a bit of advice please...
Hi All, Just after a bit of advice regarding which way to turn with regards to my debts. I am 22 and own a house jointly. I can afford my repayments and never miss one but things are just far too close every month and I am rarely left over with anything to spend generally. Here is my SOA to sum up my current finances…
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Will credit cards freeze interest without a DMP?
Hi Just a quick question on behalf of a friend. Does anyone have any experience where they've asked the credit company directly to freeze interest for say a few months while they get back in control without going down the full DMP route? Thanks ITR
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Nco /mbna
Hi all i first posted here in november 2005, Since then i have Started my DMP with CCCS in Jan , all going okish , Apart from one MBNA account which they have just sold to a Company called NCO. I did all the passing on stuff to CCCs , but today i came home from Nightshift to find a postcard from NCO saying that they are…
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What will you do with all your spare money after your DFD?
I have to say as far far away as it seems I have fantasys of putting my current amount of £600 a month of debt repayments towards savings and then being both sensible and silly with it, like choose a particular target (say 20k) then when I get there spending half of it on a classic sports car I love and leaving the other…
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DMP with CCCS
Hi Everyone! Just wanted to sound you all out before I contact CCCS. I had my phone interview with CCCS a couple of weeks ago (basically have £81k of unsecured debt). Because my SOA showed that I only had £50 left over at the end of each month the CCCS said that I wasn't eligible for an IVA or DMP and that I should either…
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Drained!
Hi all, I've been looking in here for ages aware that things are getting out of control for me and that I should take the reins and do something... and then simply glossing over how bad things are and trying to forget it. I've been in debt since leaving university 8 years ago and the debt has gradually increased - partly…
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Here Goes: my SOA
Hi I was introduced to this site by a friend. I have acquired a huge amount of debt within a very short space of time! I'm married with 2 children but my husband is not aware of the amount of debt I have. To be honest neither did I until I did the SOA!! I work fulltime. I don't pay the mortgage my hubby does that so the…
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Here Goes: my SOA
Hi I was introduced to this site by a friend. I have acquired a huge amount of debt within a very short space of time! I'm married with 2 children but my husband is not aware of the amount of debt I have. To be honest neither did I until I did the SOA!! I work fulltime. I don't pay the mortgage my hubby does that so the…
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Question for Tesco's Workers
OK, I've been a house wife for the past 2 years. But recently my husband has been turned down by many credit cards, and as his interest free period is due to run out in July, I need to get a job to pay for it. So far, I've looked at a full time job, however where I live there are only 6 childminders locally, so I'd have to…
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it going to stop
ithink my wife suppermarket spending is going to stop the only suppermarket in the town has been set on fire looks like they are going to have to rebuild it could take months and the next suppermarket nearst to us is a three mile walk away and as she dont drive so we should save loads now:T :rotfl:
