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Credit Card Minimum Payment Calculator
I know there is a mortgage overpayment calculator but is there one for people who make the minimum payment each month as it might help them see the dangers of it.
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What did you spend today, Friday 25th August?
Today's pay day :j I treated myself to a latte - £1.45 How about you?
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Anyone watching BBC2 interesting programme
Hi guys Interesting programme on pricing, the value of things and how much we are willing to pay..... enjoy
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Claiming bank charges – urgent question
Hi there all, hoping someone can clear up my confusion. I'm just sorting out a claim to Barclays for £320 in unauthorised overdraft charges which they levied on my bank account between October 2002 and September 2003. I understand that I can charge them 8% interest on this amount, and the spreadsheet I've used from…
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CEL Want to be Debt Free - SOA
Hi Guys, We have finally had our Light Bulb moment. Although our situation is not as bad as many others we need to get things sorted out as soon as poss!! Here is our SOA, if anyone has any ideas please let me know. A/S/U/ Insurance 57.08 Tv Licence 8.63 Car insurance 39.92 Council Tax 97.00 Water 18.97 Car tax 15.00 Car…
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Anyone fancy a quick drink, im on nights tomorrow so will miss the reg Sat party !
Ive just opened a box of wine, Im not in work till 19:00 tomorrow, so intend on polishing it iff. Anyone fancy a glass ? Oh, BTW - Got my contract for new job today & have started BKY online forms ... yippppeeee.... Mikey x
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Redundancy - Mortgage Question
Hi guys will thank all who give constructive advice. Found out today that I am being made redundant in April 2007 with £50k sweetner and £150 pension per week. Now I have no other debts than a £75k mortgage. Do I pay as much off at once or use the money elsewhere. There is little chance of me getting another job with the…
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How do you do it? Please help (SOA now included)
I am in a bit of a pickle at the moment. Having been debt free for years, all of a sudden I find myself in a bit of a mess, and getting stressed out about it. I have a couple of loan payments, the credit card is mounting up, the overdraft is accelerating away from me, the mortgage has gone up, the utility bills have…
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Securing unsecured loan
Hi everyone! atlast I am posting my problem after scouring over a lot of others problems. Well I had been to Natwest with whom I bank (my husband inclusive) to apply for a loan of £10000. Although the loan was approved in principle online, as we are not permanent resisdents of this country we were turned down. Does anyone…
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Costco - tougher than getting a Current Account!!
I'm self employed and have just got off the phone to Costco - I dont have seperate bank accounts for business - what a luxury(!) and I never buy anything for the company so have no invoices .... surely there must be an easier way to save money!! My mum and I were going to bulk shop and then split the cost :confused:
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School Girl Error - Do you ever run away with yourself in effort to be DF?
I made a bit of a school girl error this month and I'm kicking myself!! Just because I ran away with myself. Had planned to pay £600 off my Egg Money card which would pay the balance and for a new desk I have to purchase so my brother can take my current one (his) to his new home. So I changed my DD to £600 so I couldn't…
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Need to stop digging myself holes
Had got out of debt and things appeared to be going well. Have started getting money together for moving house next year. But now, because money wasn't so tight I let go of the reins a bit and have got back into the debt hole. Have a credit card bill of £1300 that I can't clear this month with prob another £500 spend on it…
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My Spending Diary
I thought it might help me to not only write down what I've been spending but to post it here as well, to help keep myself motivated into not spending as much. SO here it goes This month's salary £1078 Direct Debits totalling £692 Leaving me this month with £386 £200 for holiday (put away safe so I dont spend it) £73…
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Short Settlement - Please Help!
I'm within a hairs bredth of being debt free. :j The fly in the ointment is Rockwell Debt Collection who have taken on an old M&S debt. I offered a verbal settlement on the phone and they came back to say it was approved by M&S and could I pay by debit card over the phone there and then. I couldn't and asked for…
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My SOA. Shocking (and long sorry!)
Well, I have done it and am 100% embarassed and ashamed. It's a bit confusing but heregoes..... MORTGAGE: Two seperate loan amounts (second smaller one was for car) £50,000 - 4.99% until 10/06 (half of my house owned by parents) £13,000 - 5.49% until 31/7/08 (can pay up to 10% of this w/o charge p.a) Repayments total £336…
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Under £6000 - It feels so close
Hi all, Finally got debt under £6000 and still dropping :D . Just 10 months left at the latest! Jitsuguy
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DMP and bank accounts
I have a query,, am just about to start a DMP , I have a CC and O/D with my exisiting bank so have got a new Smile bank account as this seemed the best on the market and i need a cheque gaurantee for work BUT is this allowed as it has an O/D facility ( which I will not use) I was swayed by the 12 bottles of wine and good…
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Is bankruptcy really an option?
A very good friend of mine is having a really bad time. To cut a long story short, he has had to leave his wife and children. He is currently staying with his sister. His family home is in his name and so is the mortgage. So is a lot of other debt which he has put in the hands of one of the charities? He can see no way out…
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I wanna be freeeeeeeeeeeeeee!
Hi, I have been contemplating posting for a while. But after reading many of peoples problems, mine seem quite insignificant, to be honest but I thought what the hell! My debts amount to around 6800.00. I think, the main problem is I can only afford to pay the minimum payments on my credit cards because my income is less…
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i just wanna say i think i am addicted again....
since i have come back (about two weeks ago) i have already made another 100 posts :eek: and i must say i am enjoying myself :p you lot are making my recouperation (sp?) much more fun...still bored though :rolleyes:
