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What would you do?
August is a busy month for me- hen weekend in Preston this weekend (cost= minimal as I've already bought my train ticket + 2 out of the 3 of us won't be drinking), plus 2 BBQs on different weekends (cost= fairly cheap, petrol + the dessert that I'm providing) and a weekend in Brighton. Now the weekend in Brighton will be…
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What makes you feel poor
As many are battling here with being debtfree. I have to ask this question what makes you feel poor? The reason I ask this was because I was listening to the Jeremy Vine show on Radio 2 about debt today. Don't forget :money: is on there tomorrow as well. Anyway they where talking about debt today. I did not catch all of…
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Mixed month for me
I started July with lots of good intentions but didn't do as well as I'd hoped but in some ways it was a good month: 1. eBay selling- items didn't sell for very much. After all the time I spent photographing, listing + queueing in the post office it wasn't worth the effort. 2. Amazon selling- listed 12 books and only 2…
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HAs anyone delivered IKEA catalogues before
How many are you expected to deliver and what is the pay like?
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What Have You Spent Today Thu 3rd August '06?
Couldn't see this so apologies if I have duplicated! I have spent: £0.44 on potatoes £2.00 on return bus fare I marched into Tescos to get the potatoes, paid and marched out again with no distractions. I'm getting good at this....
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loans with a mortgage
how many of you have got a loan on top of your mortgage to pay off all your debt??
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overpaying car finance
currently we have a car on finance at 11% APR. we pay £164 a month with somthing called a ballon payment at the end in the region of £2000 but in the near future I want to start hammering this loan and get it paid off. are you allowed to make overpayments on car finance or not? will it actually reduce the interest or will…
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livinginhope's SOA and help wanted
Hi all,as you all know by now I have massive debts that are being paid by a DMP with payplan,hubby got a better job with more pay after being made redundant again! problem is we still don't have any money left :confused: could all lovely peeps have a look at my SOA and see if you could save me any more money to give to…
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What Do You Think I should Do?
Hi All, I was wondering if any of you could advise me in what to do. I have 2 credit cards, one a Sainsburys,the other Abbey, Both have finished being interest free,but I owe about£3800 on the abbey and £2500 on the Sainsburys. I pay £80 a month of each one(cant afford no more) The thing is im being hit for about £40 month…
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Angry With Payplan
:mad: I'm £26k in debt and Payplan told me on the phone today that I'm not. So the letter from my bank telling me I'm over my overdraft limit...yadda yadda means nothing?! I'm afraid I'm far too angry to do my SOF right now - just needed to let off steam! Aparantly I earn too much. Yeh right, if I earnt too much I wouldn't…
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First Tracking Assignment advice...
Can anyone help? I have my fist assignment and looking at the paperwork it's for a certain film, between 5pm Friday and 10pm Saturday. Dose that mean i'm expected to go to every showing between those times? There are two on Friday and three on Saturday and they are all at least 3 hours apart - so i assume i'm not expected…
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Defaults
I hope this is in the right place, it is relevant to our debts. We have just been refused by the whole of market mortgage companies, except for the highest bracket which will leave us know better off really. We are NOT trying to borrow more money, just trying to leave the evil RBS and First National, and make lower monthly…
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Humiliation part 2...
I apologise in advance if I seem slightly narky, things always seem worse when yr a sleep-deprived new (well second time round anyway) parent with a jealous toddler and a baby that won't sleep :confused: I posted a couple of weeks ago about my run-in with my bank, whereby a horrible CSA was very rude and made me cry. I got…
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Mortgage Overpayments - Reduce Capital or Term ?
I have mortgage of 95K @ 4.37% for 25 Years Repayment - £526.46 Overpayment - £500 a month Is there any benefit in me reducing my term rather then my capital? Please can any one show these in figures as I can only ever find web sites that talk about reducing the term and not the capital. Many thanks
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Just wanted to share my good news...
Hi everyone I hope you don't mind me sharing as no-one else knows about my debt :o Have just managed to pay off £150 from my overdraft meaning that since 17th June I've paid off £650 in total :j :T I know the house is bare with all the ebay selling but it will be worth it won't it :D
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I've Broken The £4000 Barrier!!!
As you can all see from my signature below, My Capital ONE card started with a balance of £9,400 in 2004, This is when I tuned into Martin's Site and he was going on about their 3.9% for the LOB, I duly followed his advice and now two year later, give or take a couple of months my balance is now down to £3,968:j :j target…
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Money Boxes/envelopes/multiple bank accounts ?
Hi All I'm a newbie member and although I'm lucky enough not to owe out too much, I have racked up £1,000 on my credit card from 'living expenses'. I will be in a position to pay that off in a couple of weeks :j but I'm very determined not to rack up such an amount again just for 'living expenses'. I have read some great…
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Who Are RMA?
Hi all I've got a garbled message on my voicemail at work from a company called RMA asking me to call them by 8pm tonight. As I have recently had my CCCS interview and am currently preparing all the paperwork, I suspected it might be something finance related. However, I have informed all the credit companies, so there's…
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ISA & Savings or Debt
Hi all, Its probably a completely stupid question but one I dont know the answer to and therefore any help is greatly appreciated. My savings equals £10K in an ISA and £3K in a savings account. My debt equals 7.5K on credit card (paying £150 a month including payment protection and it goes up by £160 a month)and an…
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Loan / Debt Advice
Hi this is the first time I have done anything like this. Looking for advice on debt. (who isn't?) I am living with my partner and we have run up about £10k worth of debt which is all in my name. Due to recent personal circumstances we are running late on most payments and as such paying more per month etc. As we have no…
