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does anyone else get this reaction from moneysaving
My friends at work - two close ones, are pretty aware of my financial situation (although they were horrified when i told them how much i owe (and OH owes even more - i didnt tell them that bit!!)) but when we go out, i dont eat, as i bring lunch in with me, and generally onyl ever have a soda water and lime (45p!. They…
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Advice Needed!
Hi there, I am new to this site and was looking for a bit of advice with my debt problems! I am currently paying out around £500 per month to different companies for loans, credit cards and other sorts of finance i have borrowed. Can any one suggest a way of either consolidating all my payments and reducing them without…
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CCCS a year on, just up'ed my DMP
I still owe a huge amount of money to sevarel lenders, but i can now see the light at the end of the tunnel. when i had my light bulb moment and got help i owed about £76,000 to c/c and loans the cccs worked out a dmp of £460 per month, now a year on i have payed off over £5000 and since i started ive not been a penny…
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Horray - OH moving nearer to LB moment
Looks like all my moaning about OH's debt and 'gentle encouragement' to get his backside on here might pay off. He has been looking for a job (after being self employed for years - which IMHO is what got him in this mess) and was looking for about £35k, which will just cover his debt and his contribution to our house and…
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Have you ever done something you thought was moneysaving but actually isn't?
I am a bit annoyed with myself. It's a friend's hen weekend this weekend, and we're off to sunny Spain. Lots of the other girls are going on Thursday night but to save money (flight was cheaper, one less night food and accomodation) I am going Friday night. However I have just worked out that a taxi from the airport to the…
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Can you pay credit with credit?
I have a loan with a ridiculous interest rate (15.9%) and I want to move it to something with a cheaper rate. I have fairly good credit score (870) and the balance is about £5700. I was thinking of trying to pay it with a 0% card like the post office one, but I don't know if they'd give me that kind of limit. Also I don't…
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turned down shock....
Just wanted to be honest.... and vent Am stunned but what another wake up call tomake sure me and hubby get our debt under control... We have decided to sell our letting property (even though it will loose us £4000) in tie ins on the mortgage to get out of debt before baby is born it will clear all our debts including a…
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Group therapy!
Does anyone else feel the need of a hug and a moan because I do! :rolleyes: Nothing majorly wrong but it's Monday and I got the blues. Also all my payments and overpayments have gone out and until September's payday, I have no more to give! :( In fact I have £25 minus this morning's spending until payday (15/9) and then…
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help registering for this site
i cant remeber how to do it, i have registered my mum but do you have to confirm by email? :confused: i cant remember :rotfl:
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Is this behaviour dumb?
My OH has told me that one of the things I do each month is anti-DFW & dumb. Each month on the 1st I put £200 into my ISA until the point in the month where I run out of money & put £100 back in drips & drabs (the rest is the monthly budget for quarterly bills) His pov is that the ISA is 5% whereas the o/d is 14%. So i'm…
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Little advice please.
As my loans are fixed payments, if I overpay they just take less the next month. So what I'm doing at the moment is saving spare cash onto my CC, bringing the interest down on it too, until I save up enough money to ask for a settlement figure from the loan and pay it off. At the end of this month I will have £1000 saved.…
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Claiming bank charges Lloyds tsb
To reclaim Bank charges from Lloyds Tsb, where do you need to send the first letter too? Does anyone have any info on this, I am about to post the letter with the £10 fee asking for all charges on my account to be sent to me. Thanks Michelle
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2007 recession
Am fearful about the looming recession in 2007 and just wondered will this have any effect on the debt I owe on my visa's. Will the banks put interest rates up, or minimum payments up etc?
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How much have/will you spend today Monday 4/9?
Good morning guys and gals :D Monday morning...yikes! Just where do the weekends go? :rolleyes: Had a lovely weekend, very low spending very high in the other pleasures in life :o Back at work this morning and counting down until the next weekend ;) Spent £2 on fruit this morning, 12 bananas and 8 nectarines :D Also, 97p…
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A. lurker's SOA + Debt Diary
Hi there! Have been doing a lot of lurking of late but have thought that now is the time to give myself an extra kick up the behind (and maybe you can help me!!! figuratively speaking.....) One of the things that has spurred me on is that although there has been much talk of me and my boyfriend moving in together, the…
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I never would have thought........
I would end up addicted to the thought of not spending money :rotfl: I have only been using this board for a week but now.................I can't leave it alone! We have been tootling along for years, money has always been a struggle for us, we have been with Payplan for almost 3 yrs and have repaid almost £20k and we are…
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Feeling angry with myself
If I hadn't spent so much on my cards my bf wouldn't have to live 45 miles away working because if he moved in my reduction in benefits would mean that we couldn't afford my credit card bills plus other bills and rent and council tax.I miss him already and it's going to be at least 6 months to a year before my debts reduce…
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B/Card Visa Debt
I will try and keep this short and hope that I might get a genuine helpful reply please:) OK I have a Barcalycard Visa worst luck, I owe 7,800 pounds on it and pay back 154 pounds a month I am never going to be able to pay it off in this life time, the situation is this does anyone know if Barclays will allow me to pay…
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ok please help !!
hi ya guys and girls well i need sum advice on credit cards, ok i have £600-£700 in savings account and i got a loan out for a so called friend 3 years ago £2k.its now down to £830.95 info Original Loan Amount:£2,000.00 Current Loan Balance:£830.95 * Opening Date:22/09/2003 Repayment Amount:£65.46 im on benefits income…
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Bank Charges and Debt collectors
Hi all, Just want to know about when your account with big charges added on in the past has been sent on to a Debt collection company, can I still reclaim these charges? I had an account with the alliance leicester £300 overdraft but by the time it get sent on, the Debt collection agency said I owed £1200 on that account!…
