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How much have/will you spend today Wed 30/8?
Good morning fellow DFWs! :) Another day and hopefully many dollars! :rotfl: Going for another non spender unless my soup and pitta bread don't take my fancy at lunch time! In which case I will spice things up with a little houmous from ASDA, say £1.30? I will update later ;) Hope there are many non and low spenders…
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Intrum Justicia!
Hi! Does anyone have Intrum Justicia's telephone number to hand? I have just had the rudest phone call and before I could respond, the obnoxious woman put the phone down on me! I wish to speak to a manager (although it'll probably be fruitless), but at least it'll make me feel better.:mad:
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What one money saver thing have you done today?
I suppose mine is making my packed lunch this morning - although just read an email from my boss who has suggested us go out for a 'team lunch'...may gobble my sarnies before I go and just have a drink (boss might even pay for a coke)....will that seem odd? I was thinking that if I just aim for at least one thing a day,…
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DFW even in my sleep now!
OMG! This is really taking over now. Last night I had a dream that my Mum and I had found a xmas shop and were really excited. But I was picking stuff up, looking at the prices and even though they were really cheap, I was putting them back saying "But do I really need it?" and walking away really happily. It's not fair,…
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What has been the most effective thing you've cut out in your DFW quest?
I'm not sure if the title makes sense, but I was wondering what has been the most significant thing you have cut out of your lifestyle (or reduced) that has helped you towards being a DFW? I guess I'm looking at my life at the moment and what areas I can and perhaps should cut out on....I can hear my husband shouting…
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Happy Birthday Fishface-69!!!
A little reminder comes up on myspace (in case you were wondering how I knew)! Happy Birthday Hun!!! Hope you have a fabulous day. :bdaycake:
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What can be our next step(s)?
Hi all Haven't been on here posting for a while, got little lovely 6 week old baby to contend with as well as crazy toddler! Anyway this next month is my first on purely SMP for my wages. We have been for months looking at our budget, we've made some changes for the better such as working on shopping budget (now down to…
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Dont know what to do now- cccs
Hi everyone, Hope you all had a good bank hol weekend, anyone do anything good ?? Im writing for abit of advise, i posted my soa on here sometime ago, to briefly sumarise my situation, I owe as stated in my sig, the reason we got into problems was due to my partners bad year at work, hes a self employed builder.... he was…
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Friend's hen do dilema
I'm in a bit of a quandry about the hen do of one of my best friends. She is getting married mid November and her hen do is a month before...I've only known about it for a week or so as I've been abroad (and she was keeping her engagement under wraps for a while..long story..) Anyway, I live in Southampton and her hen do…
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Help!!??!!
hi there wondering if you can offer me some advice. long story, but moved in with my partner last year and brought with me around about £18000 worth of debt. THis was built up of a loan with Alliance and Leicester and a loan with Northern Rock (unsecured at same rate as my mortgage at the time). And to date I have done…
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studio accounts help please....
.....how on earh do you cancel your account?......I stupidly i wanted to buy a pool when they were on offer (£50 for a 12ft) so ordered one thinking after you put in your address etc etc it will ask for card payment but it never :o anyway they sold out of the pools and i thought nothing of it. But over a week ago i had a…
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Cutting Electricity Usage
just been told by Npower that i'm apparently using £60 a month electricity?! so am now paying £83 a month due to a couple of missed payments. when i was with Powergen two years ago my average bill was £60 a quarter, but when i signed up with npower last year they worked out cheaper. all our light bulbs are energy savers,…
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Passing credit checks on an IVA. Help please.
Does anyone have any experience - good or bad - on applying for things that require credit checks whilst in the middle of an IVA? Just wondered what difficulties I face trying to do things like get a new contract mobile, hire purchase on a car, or simply renting a new flat. Anyone?
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Sainbury's Bank
Hi peeps, Im doing a spot of letter writing to creditors and i cant seem to find there address to send my letter too!! misplaced my last letter too. Dont suppose anyone knows do they ?? Thanks ;) :confused:
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The Boss checking in for some debt advice please
Hi all. This year has turned into a nightmare for me. The amount of work I do was slashed significantly in March, meaning less money coming in. I had moved in with my girlfriend last November having bought a place together, but with my name not on the mortgage. Unfortunately we broke up at the start of July and I'm going…
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Tertiary Debts/CCA Information
Hi all. Just wondering if anyone can inform. When 'old' debts are sold to debt collection agencies, the advice often given on this board is to write ' I do not acknowledge any debt to your company...' and to ask for a copy of the original CCA agreement and a copy of the deed of assignment. Is there any statutory time frame…
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getting a credit check for free?
hi, is there anyway of obtaining a credit check for no cost, not them i,m tight just trying to save money :D after all thats why i,m here !! megabroke99
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Wish me luck
Hi All I have an interview on Thursday for a great job. It will be a lot more challenging, i would get a decent payrise and It's only 3 miles away instead of the 30 that i currently do. I will even be able to afford to contribute to a pension which i haven't done for years. I seriously doubt i will get anywhere, they…
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somebody PLEASE KICK ME
what have i done....i'm so angry with myself .....hubby and i are having some problems which some of you know about some don't ..anyway hubby suggested we have a family holiday ..now i know that isn't the answer ...but found myself saying ok.....i know what i am doing is stupid..but hubby went out today and booked us a…
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Help with credit check
Hi I have tried to get a monthly contract phone with virgin but was refused as I failed my credit check. I did a credit report with expiran and it came back as-: 1) Ace catalouge debt 2) LITTLEWOODS CATALOUGE debt 3) Gus catalouge debt 4) Not on electrol roll I have now put my name on electrol roll and that will show 1st…
