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Debt Free Wannabee - The Book!
Spoke to my publisher today. As some of you may know we are just finishing the Old Style Book - called 'Thrifty Ways For Modern Days' which has been written off the Old Style Forums. I suggested 'Debt Free Wannabee' the book today and they love it - so it look s like it'll be happening. The basic format is to use the third…
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Top of a slippery slope - advice anyone please!
Hi there I am a bit of a chat forum 'virgin' so please forgive me if i mess this up! I'm a 31yr old male who lives with my partner, no dependants in a rented property. I want to save myself before what I can see is a downward spiral into more debt. I currently have an overdraft at £900, 2 credit cards at £4000 each, 1…
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changed my mortgage payment date and its cost me £152 quid!
i changed my payment date to 10 days later this month due top being a bit strapped for cash and rather than it being returned and incurring charges i thought stuff it il move it, so thats all been sorted but i have to pay an extra £152 quid in % charges is tehre any way around this because its just going to skint me out…
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Im back and ready to be debt free nerd!!!
after a long spell of no internet connection im back and damn does it feel good just wanted to share my goals with you all.. currenly lucky enough to be living rent free due to my grear grandmothers passing at the beggining of the year. we have until june next year to clear our debts, save some dosh and be ready to put a…
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Capital One Harrassment
Hi, just thought I would share this piece of advice about Capital One as I'm sure I'm not the only person tearing their hair out over them. I currently have an agreement through Payplan to pay my creditors an amount each month until my debts are cleared (in 4 years). I started this agreement back in February. All my…
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What next?
Well i sent my 1st letter to Natwest re refunding charges, one to my branch manager and one to customer relations, i have received 2 letters back?!!? One from customer relations saying there is nothing they will do re charges are fair etc, and the other from my branch saying they think they are fair but will refund £180…
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Not completely DFW style but my little success story
Hello, Just wanted to share my little story because I am feeling pretty damn chuffed with myself :D Me and OH decided a few months ago that we deserved a holiday. Three years ago we both got made redundant from the same place at the same time and were unemployed for the next six months (with a mortgage each, a crap job…
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Can I overpay on a fixed loan?
Hi everyone am brand new to this - only found this site a couple of weeks ago and am seriously hooked!! This is my first post. Wish I had found it years ago - used to think we were the only ones with mega debts - never told anyone- ashamed to admit it. :eek: I feel like we are among friends here.:j I have already learnt so…
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My Last 30 Days....
So.. I've never thought about doing this before... so i made a list of everything i'd got coming in and out of my account in the last 30 days... Here it is - Income Salary 1192.58 Other 222.48 Total 1415.06 Outgoings Smile Visa 436 Capital One 86 ATM 240 Rent 40 NHS 192 Supermarket 18.44 Pension 100 Starbucks 14.5 Trains…
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i know where my money is going
i still haven't worked out all my finances yet but am persisting. Its very motivating to see on peoples signatures how the debt is reducing. It seems a long way off Have just totted up july bank statement - for debit payments only in sains, tesco and m&s - some could be cashback but will be balanced by other cheque payment…
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Help, Advice Needed RE Overpayment
Hi Guys & Girls, My Wife received this lovely letter from her previous recruitment agency today for when she was recently doing some temp work.... Dear Mrs ****** It has been brought to my attention that we have in error overpaid you for the period 3rd April 2006 to the 2nd June 2006. The overpayment appears to have been…
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My First Auditions
I applied to go on some gameshows via beonscreen.com and within 24 hours I got two auditions! One is for a top prize of £100,000 and the other is for a job as a TV producer! What if I win both? :money:
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Who suggested the shop Savers for stuff?
Can't find the post.............Thanks anyway! However, it is dangerous.....I could spend a small fortune in there! There's one in my local shopping centre...I'm sure I had a look in when it first opened (? years ago)......I have no doubt that my misplaced logic or something equally as baffling has stopped me from shopping…
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Paying a lump sum towards a debt
I don't know if anyone is able to help but this is basically what I want to know. A couple of weeks ago my car broke down and my husband, angry at what he considered to be an unreliable car (although it wasn't too bad), went out and bought me a newer car. I have since sold my car for £300.00. I decided I would spend…
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Some good news for a change
Hey everyone, As some of you know I had a car crash last week, and was very worried about the financial implications of my £495 excess. Well today I got the news the other driver has stuck to what he said at the scene and has accepted full respnsibility! Whilst it wasn't really desputible this is still a huge relief! So…
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Pocket Money
I've been reading this forum and picked up some good tips, so thought I'd share something with you. We (my wife and I) operate a pocket money system whereby we each have pocket money each week. We have ditched buying stuff on credit card and Switch and only buy things with hard cash. The only time we use Switch is for…
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fingers crossed please
Very quick one. Off to hospital with DH tomorrow for results of his cat scan. Have ben fine about this up untill now. Am getting jittery now. No real reason he seems fine but just worried neverless. So can you all keep your fingers (and everything else for that matter) crossed for us. If we get over this (final?) hurdle…
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When someone's threatening to kill themself, it’s hard not to listen Blog
Hi, Martin's just done a blog you might be interested in reading about. The blog's here :) Please can you discuss it in the blog discussion link though, not here
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*Any help please, loans for people on low income*
OK, my aunt has just gone on holiday for 5 weeks and has left me to pay her bills, I am totally shocked to see how much she owes on so many things! I feel I have to do something to help, she did ask for some financial advice before she left, and asked me to be a guarantor (sp?) on a loan, and now I see why... There is a…
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CC charges help asap
Sorry to be sooo impatient but my internet aint working so im at a friends and could really do with a reply before I go home. My mum is claiming her capital one charges back a total of £1030 she got a letter from them saying they dont agree with what she has said and their charges are legal but as a gesture of goodwill…
