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How often do you think about it...
...being a DFW?? Mmm, the title of the post sounds crude! I mean, do you think of it from the moment you wake until you go to bed? Or when you drive to work? When you're in town and walk past shops that you used to stick £££s into without thinking? Perhaps when your mate sticks something on a CC?? I'm just curious, I was…
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Calling All DFW Men!
Lads, fellas, chaps, is anyone else [STRIKE]flabber[/STRIKE] [STRIKE]flabergast[/STRIKE] totally shocked by how much it costs to keep our faces hairless? :eek: I got a free Gillette Fusion razor the other day and it was pucker, so I went out and bought one. £6 with two blades. Not too bad as I won't need to buy the handle…
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Our SOA Help required
Hi all we have just had an offer accepted on a house and now we need to cut back as much as possible over the next three months to bump our deposit.. we dont pay any rent so thats one less expense!! all help appreciated Income Mine £1100 per month OH £700 PER MONTH TOTAL: £1800 Outgoings Council Tax £110 water £18 Gas/Elec…
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Anyone heard of Eurodebt?
They rang saying they can clear debts in 12 months and all they do is send a Financial Advisor, who works out a plan and they reduce the interest etc when getting in touch with creditors. Now this sounds far to good to be true, its a free service but there must be a catch. Would it effect my credit rating?:confused:
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Help and Support needed please xx
Hi all I have attached below SOA :eek: . On a positive note it seems i have more money coming in than i need to pay out:T although i really do have no idea where the remainder of my money is going. I got a new job last month and recieved my first payment on 30 Aug which has cleared my overdraft. I have bought a small pad…
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Whats happens when you become pregnant
Hi to all you DFW, Have been doing really well. An endowment policy just matured allowing me to pay off my two overdrafts £900, essentail repairs to my car £600 and my university fees for this year and next. Leaving the major problem personal loan £24,000 at 6.9 %. Starting saving towards repaying this £350 so far and been…
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Sos - My dilemma
Hello MSE posters! This is my first post on these forums and it is actualy with regard to my mum :o I have a few issues with my bank as it is, but nothing i cant handle. I have actually posted here today because i live with my mum still ( 19 years old its not that bad!) and ever since i've remembered she has struggled with…
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Headcase's Debt diary
I've decided to do a diary of paying off my debts as well as losing weight and increasing my income. So, not alot to do. I done a list of all my debts and direct debits as well as a balance sheet. Looks terrible. This week I'm getting in touch with credit card ( Halifax ) to either reduce interest rate or move away. Also…
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Made a start on being DF
Well after posting the other day I have made a good start 1. Sat my OH and DS down to highlight a few money saving ideas. Things like do we need the TV/lights etc on when no-one is even in the room. Making sure that the TV in DS's room is switched off when he goes to sleep - even if it is only to standby on the sleep…
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Help Please!!!!
about 6 years ago I forgot to take a DVD back to the shop ( a Spar type shop) and I think i accumulated about £17 worth of late fines.I havent been back there since(I honestly forgot to pay!)I am worried that this will catch up with me!Please advise!! Thanks
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How Do You Spend Your Dash? (not Cash)
Came across this from another forum i was on. How true is this? http://www.thedashmovie.com/
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Working extra hours but not on a contract..??
Wasnt quite sure where to put this so please move to where is most appropriate. I work as a TA in a school - i get paid 27.5 hours per week and get paid an extra 2 1/2 hours per week doing NQT class cover, the HT wants to start a breakfast club and has asked me and one other to run it - brilliant i thought more money to…
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Martin's student loan article - question
I've read and re-read the article on whether to pay back your student loan early if you can but can't seem to see where it says about how it will affect your mortgage. It says that question is answered but then i can't see it. Can anyone answer it for me? I posted my SOA here a good few weeks ago now and things aren't…
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Well I finally came clean!
I told 4 of my closest friends at the weekend about my debt. They didn't understand as each of them is excellent with managing money and none of them have ever paid interest on a credit card or struggled to get out of overdraft. But I feel so much better for being open about things. Plus I told them about this forum and…
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Speeding Fine?
Hi, Just got home to a lovely letter from the traffic police telling me I've been caught by a speed camera at 81mph on a motorway (70 mph limit). I know that it's stupid (but many people do it- you can't drive on a motorway without being overtaken by everything at 70mph) so no lectures please. What I need to know is the…
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In limbo
Have our CCCS interview on 3rd October. Just wanted to ask if we need to be doing anything in the meantime. All repayments are up to date etc so not defaulted yet. Also should we be going for the M&S card to do some BTs?
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Been Charged twice for the same bill
I've just posted this on the mobile phone board but thought I'd run it past the seasoned DFWers. I've just been doing some long overdue paperwork sorting, lets call it account auditing to sound posh. I've found that "3" charged me twice for a bill some time back. I never noticed as I was living in Germany at the time. The…
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Does balance transfer "tarting" adversely affect your credit rating?
0% Balance Transfer Tarting -v- Low Apr for the Life of the Balance I currently have a credit card debit of £4,385. It is currently all on one Halifax credit card, with 0% interest until April 2007. :T I had planned to "tart" this credit balance from one 0% deal to another until I pay it off. However, I am starting to have…
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15 yr old debt
Hi 15 years ago I had a problem with paying off an overdraft from a leading bank. I believe then debt was circa £7,500. They passed the administration of the debt over to a recovery company despite all me efforts to come to an agreement with the bank. I am still paying £15 a month to the recovery company and owe around…
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Basic Bank A/C's
Hello As you might know from prev threads i am carrying a massive un-secured debt. In addition a large portion of this debt is with my current bank (credit card & personal loan). At the moment all my payments are up-to-date & none have been missed. I will be contacting one of the advice charities soon. However, after…
