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Ok quick help needed here please
I have spoken to a citizen's help service(like CAB but they didn't have an appointment before August 30th).I had already got Barclays to agree to freeze the interest and reduce payments-everyone else said no or wanted an SOA with a proposal of payments.The lady at the citizen's help service did this and said she would send…
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Easymobile Credit - Ideas
Following on from the Easymobile thread, does anyone have any ideas on what to do with the cash on your sim, that is of course if your not going to use it for calls? Some ideas are: - Text it to a charity - Buy ringtones through quidco - Text entry for competitions / quizzes / gameshows Thats it at the moment, but would…
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Food for thought
Right basically I'm looking to buy a new house, I'm trying to get my mortgage sorted at the minute and I'm going to over pay to pay around £450 a month. I currently make aprox £1170 a month and I have outgoings at the minute of £319.01 (I'm just finishing off clearing my debts so I've not got as much money as I could have…
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Gas and electricity rip off!
Hiya I wonder if someone could give me some advice. Checking my bank account i've just noticed that british gas have put our monthly direct debits up to: Gas: £73 Electricity: £54 We live in a four bedroomed semi. Does this seem like a hell of a lot of money or is it average because of the price hikes? I'd appreciate any…
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Iva?
What are the pros and cons of an IVA. Is it a good idea. I'm at the point where I cannot afford to live on my wages and getting chased for a LOT of money. What are the future consequences? Thanks for reading!!!!
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10 minutes!!!!
Hi guys, I have 10 minutes before I leave for an appointment to open a basic bank account as i may be going on a DMP. What reason do I give as to why i want the most basic account? HELP? Little L xx
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Mandy's savings diary and SOA...
Hi everyone, I have been a long time reader of this forum and have been taking alot of the tips and info into account, but now feel it's time for me to post, both to help me document my progress and savings, and also to get more suggestions from everyone here. I am currently 25 and a postgraduate student with a scholarship…
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Please delete...posted twice sorry!
Please delete...accidently posted twice
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Happy Birthday to dottyanne!
Happy Birthday hun! I saw your username hiding there today. You've not been around for a little bit but hope you're doing good. Hip, hip...
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7 Months on and things are getting brighter!
I feel good ;) I remember visiting these forums in February in a right mess. I hadn't paid bills for 5 months, was receiving calls to my parent's house from bailiffs (no actual visits were made), had debts I could not (read, did not believe I could) handle and was feeling generally very depressed. You guys really kicked me…
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Help,Help with cccs!
I finally plucked up the courage to call the cccs about my massive debt. The girl was very pleasant but could not seem to offer any advice at all :confused: . I explained that I am self employed but have not even covered expenses in the last 2 years much less have any profit, I owe £47,000 plus £59,000 on my mortgage and…
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Any One Help Me B4 9pm?
Help please anyone, need to record channel 4 9pm tonight cutting edge:pram faces, for use with my business, video shut down and none of my mates can do it as they are all linked to sky. Is there anyone on here who could record it, put it on ebay and i'll buy it off you? Easy couple of quid earnt for someone? Not really DFW…
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*grrr*...just when I thought I was debt-free !!!
Since I joined this forum a few months ago, I have learnt lots of useful tips and picked up some great money-saving ideas. Using my new found MSE knowledge I finally paid off my debts last week and am now debt-free (apart from the mortgage). I made myself a budget and have stuck to it for the last month or so. ........and…
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Please Help!!!
can you all please pray and cross your fingers for me. Its to help my gf get the new job for which she has an interview for tomorrow. This job will be a MASSIVE boost for my debt free quest and bring the dfd forward by months. Will take our joint saleries up to 52k and were only 22!!!!!. which is a must as we have 39k debt…
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Another DFW signing up!
As you can see from the sig, I have a fair bit of debt built up, not as bad as some here, but still pretty rotten. Basically been spending more than I have coming in and so on. Ho hum! I've set a budget, and I think I should be able to stick to it and reduce the debts reasonably quickly, but I will probably need moral…
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Anyone Else Had A Spiritual Awakening?
As a result of your lightbulb moment, I just wondered if anyone else had experienced spiritual enlightenment. I guess, for me, when I realised that I had spent years of over-spending which resulted in £4000 worth of debt, I was forced to take a good, hard look at myself and see why I had gone down that road. I realised…
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what is snowballing?
i know i ask a lot of silly questions but could someone please explain what snowballing is? (in detail?!):confused:
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loan or credit card, loan or credit card???
Hi folks - I'm trying to get my debt re-payments down as much as possible per month. I currently have £2,700 of debt (£1,700 on green egg card and £1,000 on marbles card - the 0% interest period is due to run out in October.) I am currently out of work and receiving benfits and I'm in the very lucky position of handing…
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Capital One reduced charges!!!!
Well it seems that capital one is taking note of all of us nerds!!! They are reducing their charges down to £12 which seems to be the standard charge!!! If only the other banks would follow suit!!!! :beer:
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Paid off the credit card!!
Been being a good girl recently by focusing on the debt with the highest interest rather than trying to do a little bit extra off everything (and getting nowhere fast) like I was and have have just managed to settle the credit card for the first time since....well probably since we've had it if I'm honest. :o Of course…
