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Great day today - I'm on a high
Just got my exam results through for my last course for my Diploma in Health and Social Welfare and I passed with a distinction :j :j :j :j :j :j :j :j :j :j I'm gobsmacked. I never dreamt I would get that high!!!! Oh, and today is Joshua's 3rd birthday so it doesn't get much better!!!! :D
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It's all going to go wrong again
We sold our house in 2003 and used the proceeds to pay off our old creditors via a IVA as I had been offered a job in Australia,things didn't work out there so we came back,rented a house last June and started again.Thought things were going too well after my refund of charges from smile,now am facing a £440 a month drop…
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Feeling somewhat sick.....
Added up my total Visa balances last night and the total just over £22,400!! _pale_ Feel seriously sick as that doesn't even include my loan (that I stupidly took out to pay off two of the cards and didn't cut the cards up)! Never missed any payments but owing more than my yearly wages, am I likely to be able to get a…
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Pigsback and Quidco
So would you say these are the best 2 sites for money back? Or are there others I'm severely missing out on? :p What do you reckon?
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Update on my SOA
Thank you to everyone who gave me the necessary kick up the backside a few days ago. Since then I've looked in to a few bits: Sky subs have been completely cancelled, saving £20 a month Childrens savings have been frozen, saving £40 a month Food shopping - going to lidl /aldi tonight to stock up, budget £160 for 2 adults…
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I have found the way to stay on budget
Trying to budget for weekly shopping was always a bit of a problem with my other half as if she went in to a shop for a loaf of bread and a pint of milk she would walk out with a trolley full of junk . So now if shopping has to be done I just go my self and just get whats needed staying in budget. And get lots of bogof as…
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REALLY cross with myself
I overslept, missed my coach (which is paid for for the month) and had to get the train. Which cost me a tenner, then as I was SO late I had to get a cab to work (another fiver gone). Im so annoyed at myself that I just wasted £15 on getting to work when I have already paid £207 for my travel for the month. I could scream…
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Amending credit file?
My fiancee has a really good credit score and he applied for some interest free credit of £500 to buy some computer bits and was turned down which he was surprised about, but hey ho he was extremely shocked to discover on his online report that there has been something about a "fraudulent application" on it next to this…
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Can someone advise...
Hi Everyone. Sorry for the length of this in advance.I'm feeling my way through the dark in trying to help out my sister who is in crisis in every area. She's had depression & personal problems & was on the point of a breakdown when she accepted my offer to help - or try. I've done the MSE budget planner and sent off…
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What will you spend / have you spent today 2nd August 06?
I would normally commit myself to a no spender when I start this thread off but it's not worked up til now:confused: . Sooooo, today I shall not be committing to anything of the sort. With the pressure off I might find it more achievable!! ;)
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Debt Free Direct or Payplan
I would be interested to hear of peoples experiences with either Debt Free Direct or Payplan as I am looking to do an IVA. (£160k of unsecured debt) I initially spoke to Debt Free Direct when CCCS referred me to them but they have been so sloooooooow in sending anything out that I have taken to asking my creditors who they…
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Another thread about bank charges...
Im helping my mum claim her bank charges back with the help of this site, she's had her statements, and has wrote off asking for the charges back, they have wrote telling her they have received he request and she will hear from them shortly?? this is with Halifax. She is also claiming her unfair charges from capital one,…
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Does Bankruptcy affect anyone else??
Hi Guys Have a quick question, I am seriously considering bankruptcy as my debts are too large and I just can not manage anymore. Anyway my question is this, If i do declare bankruptcy does it affect anyone else in the household ? I live at home with my Mum and my older brother and wonder if I declare myself bankrupt if it…
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hiya
hi everyone, i havent been around for ages and i bet i have missed loads? :confused: how is everyone? how you all doing with your debts? make sure its good news :rotfl: sorry i cant mention everyone but how is ms london (has she left yet), cantcope, james, southernscouser, kevicho, scottishspendaholic, ljd1 and lynzpower?…
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Feel the pinch, it's the first of the Month
My first substantive payment on my graduate study loan came out today. £500! Last month's was £263, but this wasn't enough for my tastes considering about £60 of that was towards interest. £500 gives a much bigger impact on the balance and makes me feel like I'm finally getting started. Roll on 1 September!
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Qs about bankruptcy.....
Hello all, totally new here, hope you can help me. This is a long post because I want you to see the full picture. I feel like a total failure and can't believe I am considering bankruptcy as a solution. We are in huge debt and have just been refused an IVA. We went with a well known company (don't know if i'm allowed to…
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Got myself in a pickle! (hopefully sorted)
Hi all, Well i started working on 1st may - had a nightmare with the job (couldnt give me 16hr so i got another job on 1st july. Now that job has gone tits up - childcare reasons, plus my state of mind isnt at its best lately. And to top that off I've got carpal tunnel syndrome again but this time its blooming painful!…
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Not really debt related but......
I usually post quite a bit in the house buying forum but need some advice regarding a job. Some people in here give brilliant advice and after posting this on a Job forum and getting no replies I have decided to try posting it here in the anticipation of some fabulous advice........ So here goes.....I have recently had two…
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Don't think I'm going to make it
- clearing my target that is. I feel so down about this - this is not my only debt, far from it - but the physological boost I was getting lowering that present balance figure was unbelieveable. What makes it worse is that this is the 2nd time I will have had to put back the date of clearing it. As for clearing the debts…
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Mortgage Payment Holiday - breathing space.
Hello, My first post although I am an avid reader of all the helpful advice here. Quick question - has anyone taken a break from their Mortgage to allow them to pay off debts sooner, or do you think it is better to keep transferring balances to 0% credit cards and plugging away - I can only afford to pay about £200 per…
