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Chillin ...DFW style of course!
Ok folks I've noticed that people are struggling a bit with how to treat themselves without spending a bomb so thought I'd start a nice thread so we can all give each other ideas & hopefully cheer everyone up a bit as peole generally seem a bit glumb (?sp!) at the moment and going through some tough times...Ok so heres my…
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Lidl vs Tesco......
Hi all, Really struggling with grocery budget, currently shop at Tesco (other option in our town is Sainsburys.... however.........just driven throguh town and there is a sign up on a development site saying they are building a Lidl. Is this cheaper than Tesco or similar? Also for those of you well known to both what are…
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reassurance needed
Hi Just need some reassurance. I currently have a loan of £6300 with a credit union paying over 1% interest a month. However I’m hoping to do a balance transfer to a GE credit card at 0% for 12 months. Are there any pitfalls off moving a loan to a credit card, as I have shown my girlfriend the money & time we could…
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My SOA - Advice Needed
Well here it is, my situation! :eek: :eek: Monthly incomings My salary - £1000 (approx, commissioned based) Second job - £25.00 Money from boyfriend- £350.00 Total -£1375.00 Mortgage – 304.96 Water – 17.50 Communal maintenance fund for flat – 12.50 (legally obliged to contribute, part of lease) Contents insurance – 8.84…
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Kids and money - how do we train them so they don't repeat our mistakes?
Hi, I'm new to the board and am in the process of facing up to my mountain of debt. I'm forcing myself to write my SOA - but it's one of the scariest things I've ever done. I'm going home after work today to make myself just get on with it - please cross your fingers for me, I didn't think doing it would be so scary or so…
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Just some advice on heavy debt
Hey y'all, New to all this but I guess I am posting this cos you never know when someone out there may know something you don't. I am a 28 year old guy who has made some bad choices in life and had a bad run of luck (I worked at sea and rented out my flat to someone who then stole my identity and sold my flat pocketing…
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Poor student - how many students aren't!
I am ashamed to admit that I rarely check the emails that I get sent by moneysavingexpert.com, but today saw the post about trainfares, and I decided to have a look. Then came onto the forums, and saw some of the other posts, and I have to say I feel so much better knowing that people are in a similar situation to myself.…
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CCCS called - def going bankrupt.....
We had our call from CCCS this morning and we have been advised to go bankrupt. We have been advised to set up a basic bank account with Nationwide, but are a bit confused about the accounts being frozen and being able to access our wages. How does it work in practise ? If we were to petition tomorrow, how long can we…
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What do collection agencies pay for the debt?
Can someone clear this up for me? Do collections companies really pay as little as 10p in the pound for debts? Please can someone tell me the average paid and the best results in terms of percentage accepted for full and final settlements. Thanks for your advice, experience and motivation x
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A small result but it saves £26.50 a month!!
Thanks to this fantastic site and it's tips toady I have saved £21.50 a month on my Sky subscription for 6 months and £5.00 a month on my House & Contents insurance - just by asking to cancel them both Thats amazing. Thank you all!! xxx
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Summer Holidays Nearly Over Hoorah
I HAVE 2 KIDS BEEN SPENDING MORE MONEY ON FOOD AND TAKING THE KIDS OUT AT LEAST ONCE A WEEK. CANT WAIT TILL THEY ARE BACK AT SCHOOL AS MY LITTLE ONE IS STARTING SCHOOL SEPTEMBER SO I CAN GO TO WORK AND GET MYSELF OUTTA SOME DEBT. ANYONE ELSE FEED UP WITH THE HOLIDAYS AND FOUND THE FOOD BILL HAS GONE UP. NOT TO BAD A KEEP…
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Urgent-ish re bank charges
when applying for the subject access request, as i dont have a cheque book is a postal order ok to send payable to the company. sorry have dated the letters today and need to get them asap. :beer: i'm owed lots :o
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Update and help from you guys needed!
Hello all! Ok I have been a DFW nerd for a couple of months now and am feeling so much better about being in control of my finances, however I seem to have stopped making headway on my repayments now! Current situation is that I'm £1253.22 in debt (if you take of my ISA savings which I'm not spending but simply keeping to…
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what have you spent on 23/08/2006?
me £2 on a magazine, i never buy them usually but this one has a interview in it i want to read so yeah £2 on a magazine, what about you?
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Can I reduce my card payments
HELP PLEASE: I will lay my cards on the table so to speak I need some good advice on which way to turn. 1. I do not live in the UK anymore I live half way round the world and will not be returning to the UK I do all my banking on line. 2. I am retired and my Pension is paid into a UK bank and I do all my banking online. 3…
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Studio catalogue, HELP!
I got my studio catalogue statement this morning, they say I missed last months payment (I didnt receive a statement last month) and have added a £20 admin charge. My balance was only £28 and now its gone up to £48 with the charge. How unfair!! Should I challenge them? How could I pay it if I didnt get a statement.
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Remortgaging/bankruptcy
I have put this on the mortgage board but thought I would put it here as well as I know there are a lot of you here who know quite a bit about bankruptcy. Basically, 2 years ago my husband and I bought our house. As he was still bankrupt at the time the mortgage we took out was in my name with him being named as a resident…
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Don't know if i should be telling anyone this but.....
i followed martins advise a few months ago and switched gas and electric with uswitch and claimed their free bottle of champagne. Well its about 3 months since i did this and (looks round to make sure noone is evesdropping)......i've just recieved my 3rd bottle. They have sent 1 a month so far, has anybody else had this or…
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credit file
As some of you might rember i was trying to get a default removed off my file because the infomation is just wrong. So far i have tryed contracting equifax. they came back with The Client concerned has investigated the accuracy of the information above and have verified its accuracy. Therefore, this information will remain…
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Want to be on TV with Martin?
Morning guys I've just posted this on the Gas and Elec board if anyone's interested :)
