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woooooooohoooooooooo!
Hi All, I just wanted to shout from the rooftops that I got a new job! woooooohoooooooooo Paying an extra 4k per year, rising to 4.5k extra after probationary period! EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE! I'm so excited and wanted to say thankyou to everyone on the board for helping me realise my potential, and…
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Bankruptcy Petition Received - Mixed Emotion
I have, today, received my creditor's petition, from HMRC, for bankruptcy. I was expecting it, having already received a statutory demand, and am not looking for sympathy. However, I must confess that I have mixed emotions over the issue - partly relief, but a lot of sadness in that this is a situation that I tried my…
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is anyone else worried......?
about Christmas this year and how they're going to manage with it moneywise? i personally am petrified. we are only just starting to get back on an even keel financially (meaning that instead of getting further into debt each month we will rather be staying level or even managing to clear some money off!) and it means that…
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back again
Hi all I am not new to this site but i have not been on it for ages either. I have a dilema and i know you guys and girls will be able to advise me or at least make me think carefully before i do anything Basically i have an appt with my bank to discuss what they may be able to do with my loan to make it cheaper. So do i…
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How do people do it?
Hello all, Not quite sure if this is the right topic for this thread, but here goes. Fairly new to this site and have put one or two comments on and threads of which i've had numerous helpfull and supportive comments made. :o Please bear with me on this bit. Have debts which are just about sorted and on an even keel which…
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How much have/will you spend today Thursday 28/9?
Good morning fellow DFWs :hello: Spirits are much better today after a productive evening and a good night’s sleep! :D Having a busy morning at work which is exactly what I need as idleness is not good for the mind or soul! I worked out last night that I overspent by about £3 on the Sunday to Friday challenge. I can’t…
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Home Made DFW lunches
I see in a lot of threads the amount of money to be saved by taking home made lunches to work. I try to stick to this but I get really bored of sandwiches and am also trying to watch my weight so have to choose food carefully. What do you take to lunch? Do you have any ideas/ recipes that will stop me getting bored &…
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Be Gentle... First Timer
Where do I start? well, I had a bad RTA 3 years ago and ended up losing my job and my so called husband (who left me for someone whilst i was in hospital) He also left me with all the debts and the mortgage an a child. I applied for Csa (long story) he turned up all the time threatening to kill me, had cctv evidence,…
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experian- breaking a financial link
sorry, not sure which board this should be on. I had an experian check carried out on my name and all was ok except for a financial link due to a joint bank account with OH. This account has now been closed and due to possible bad debts links with my Oh want to try to erase this link. I checked out the booklet which came…
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Ebay buyer disputed item and taken funds back !
:mad: I am so angry right now, £71.00 out of my account ! That money was to be chucked at my CC, and he had no right to dispute the description ! HOW DARE HE :mad: :mad: :mad: :mad: :mad: So so so so so MAD !! :mad: GGRRRRRR Ok rant over back to work ! :o
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Sub 20K I can't believe it!!!!!!
When we started on this DF journey I never envisaged it would be such a ride! This morning we have finally made it to the sub 20K mark and I'm over the moon and feeling very emotional. We have been able to do this so quickly because we had our refund of bank charges earlier this month and managed to pay off our overdrafts…
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02 debt written off?
Hi everyone I owed O2 £174.92 from about 3 years back (when my phone bill was set up on a Student account which reached it's limit, I didn't notice and they cut me off for non payment). I contacted them back in January to say 'I owe you money, can I pay it monthly" and they replied in March saying "phone us, we'll sort…
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Book selling: eBay or Amazon?
I've got a fair few books that I never read, so I'm thinking I should sell them off. The trouble with posting on Amazon is that they take (if I remember right) a hefty cut, whereas eBay's cut is possibly a bit lower. So, which one should I use to sell this load of books? :confused: That said, anyone want to buy some books?…
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Clarky Lou Blog & Challenges
Hello, After the £1024 in 11 weeks thread, I have started up a debt free blog at http://www.savetheweegie.blogspot.com I'm going to update it weekly and detail any money earned, saved, debt reduced, challenges etc.... It should help me to keep on the right track! :D
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Advertisment on your car
Hi All, Hope you might be able to help. I thought I read a thread a couple of days ago that mentioned getting paid for having some car stickers on your car. I can't find it now :confused: and wondered if anyone out there has done this or has information about it. Cheers A
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Internal job transfer problem
Hi, I guess this isnt really a debt free wannabe problem, but i didnt know where else to put this. It is kind of a debt free wannabe as i applied for a new job that i thought would be more money. As things have turned out i would acutally be worse off each month but that is only part of the problem. About 7 weeks ago i…
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hit my september debt payment target!
In the last week of August I set myself a target to pay £460 off my credit card bill! Today I made the final September payment and I've smashed my target by £45:T I also paid £140 off our electric bill which had been in debit for 3 years, so total debts paid equals £645 for September :D We go on holiday tomorrow (which I'm…
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Bah, pesky direct debits/my brain!
Hmph. On Sunday I was looking at my spreadsheet and realised that if all my direct debits and other payments went out on Monday, I would go over the limit on my Smile account. I panicked a bit and called Egg who said that they couldn't cancel the £227 debit card payment I had made, but suggested I cancel the direct debit…
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Responsible lending????????? Scandal!
I was speaking to a very good friend last night who never uses credit cards and is very good with money. She has an 18 yr old daughter who is at Uni, (no student loans!) and no income. She went into La Senza and was "sweet talked" into getting a La Senza card as it would save her £5. When the assistant was filling in the…
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What have you got to show for the debt
My debt was when we moved in to our house and my credit card bil jumped from 1600 pounds up to 6000 pounds and apart from the fridge I cannot think of what I have spent the rest on . What have you got to show for the debt. :beer: :j :beer:
