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Any thoughts on how to handle this one?!
I have recently been trying to cut the cost on everything after having my lightbulb moment, and on things that I can control i've been doing quite well but having a slight problem with my friends! When a friend asks me to do something be it going to the pub, go shopping or for a meal whatever, im more than happy to say I…
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£1800 collection fees
Have just received court forms relating to a £10K debt with HFC bank, which I agree I owe, but they are claimimg £1800:eek: collection fees as well as court costs and solicitors fees. Is it worth contesting the £1800 but agree the rest? Also when completing the court forms do I have to put details of my OH income/expenses…
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Looking through my bank statements!
I've just got back my statements in response to my SAR and I never thought I'd be so pleased to see so many bank charges! £4257.50 including bits that were refunded as "gestures of goodwill" :rolleyes: The thing is, they didn't include evidence of manual interventions, should I write to them again?
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My first true DFW food shopping visit
It's finally sinking in... my bill this morning came to £40-57- this is for a week's worth of shopping for 2 greedy adults. I know there are people on here who do an awful lot better than that but for me it's an excellent step forward- I used to spend £80-90 every week. We haven't missed out on anything this week and the…
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When you are debt free, will you use credit cards again? If so, what for?
Hi All Been reading in some threads that it's advisable when debts are cleared to keep just one credit card for 'emergencies'. I just wondered if others had the same view and what other MSE'rs would classify as an 'emergency' ? Or do you intend cutting up all credit cards and never using them again ever? If so, how would…
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Debt Free Wannabe's on Orange
I've put this on here instead of the mobile forum as i think it might help a few people lower their outgoings Reet. Yesterday i got a call from Orange saying my mobile was eligible for a free upgrade. Thinking it was one of the usual companies phoning for me to use them i gave them the usual spiel about only just upgrading…
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Won a holiday!
Should I sell it? Would I be able to do you think? I've been entering them all on prizefinder.com & won tickets to Blenheim for the horse trials today & now this, i've only been doing the comps for a week :D Its worth £2950, we can choose a week in any of their resorts around the world, but it is accomodation only, they…
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two weeks worth of meal ideas please
Right we are off shopping later and I need some help on our meal planning as we always seem to buy the same stuff. I need ideas for 14 dinners which are, 1. healthy (ish) and 2. not going to cost us a bomb. Our tesco budget for the two weeks is £70 for 2 of us which will include toiletries and other non food items etc…
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Morning Blues
Well. a couple of weeks ago I begunth process of getting ALL my statements from the Natwest for a refund on my charges. I became unemployed in October of last year and explained to the bank that until I had my baby (Iwas 3 months pregnant with no hope of getting another job) could they freeze my acount. I also moved house…
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How much have/will you spend today Saturday 2/9?
Good morning guys and dolls :D Feeling quite good - even though a bit hangoverish - this morning. The sun is not shining, the birds are not singing but, everything is good right now. Hope and pray it stays that way. Today will be a spending day. We're just off to Asda for the weekly shop and then I am going to a friend's…
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Which to pay first - Mortgage or Student Loan?
Hi, Couldn't decide which topic to put this in, so it ended up here. Basically, my OH has a £13000 student loan and I have a £70000 mortgage (~4.5% for another year) - no other debts We used most of the student loan as deposit on the house. Now that we have 2 incomes coming in, we'd like to pay more of our debts off. My…
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A Word of Warning to Us All (long)
This is a long and dire warning of how not to bring up your kids. Today I went to visit a friend. She has three children and her kids have grown up alongside mine but they have been brought up very differently. Hers have had a very respectable but quite hard upbringing, having to do regular chores. No pocket money, few…
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Fighting that urge to spend again
I start college as a mature student on Monday, my now ex flat mate has given me his old PC, and I am currently really struggling to fight the urge to go out and buy a laptop. I don't need one, I didn't even want one till I saw them on the grabbit while you can board! I just wondered if anyone else had actually had the urge…
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Toilet Roll Argument
Anyone who just walked through Tesco's and saw a couple and a young child arguing in the toliet roll aisle...that was us. Come on, tell me I'm in the right here - the Luxury stuff works out at 12p per 100 sheets whilst the Tesco's Value "own label" stuff works out at 4p per 100 sheets. Tried to point out the economy and…
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Anyone have any advice please?
Hi Guys I've been trying to put this to the back of my mind, but its just hit me and i'm getting worried :sad: We have just started the process of an insurance claim, due to subsidence on our extension, house ok as far as we know thank goodness. Engineer came out this week and said that they are now sure that it is the…
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Lost CCJ
I need some help with tracking down an outstanding CCJ that i forgot i even had. About 6 years ago i became overdrawn on my bank account even though i didn't have an overdraft and was under 18 years old so i shouldn't have been allowed to go overdrawn, but thats besides the point. I couldn't afford to pay it back on what i…
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Advice please for my daughter
Hi My daughter is 22 and lives away from home with her boyfriend. She has rung me tonight to say that she has won, what she thought was a competition.She has been filling things in online and said that a company(not sure if i can post the name) had phoned her this evening and said she had won a make over down in London and…
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RBS To Stop Doing Credit Card Cheques
Just saw on BBC News 24 that Royal Bank of Scotland are to stop issuing credit card cheques as of the end of the month. Couldn't find a link but they seem to be acting upon the OFT's demands! :D http://news.bbc.co.uk/1/hi/business/4762422.stm Now all we need to do is get rid of credit cards! :rolleyes:
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Friday night after work drink... Come in !
Seeing as you glum lot havent asked me for a drink after work, Ill ask you lot... I got a 1/2 price box of rose from ASDA yesterday,. (still on offer !) anyone fancy a glass ? BIG weekend, its OH's Bday, going to a nice hotel and a night out in Manchester tomorrow... Cant wait.. We havent been out in Yonks ! Ohh... Hang on…
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Preparing A State Of Affairs
Hello Would like some advice on what to put in an SOA. Is it acceptable to include things like socialising, holidays, birthdays/christmas etc? Also i have a gym membership which i consider to be a major part of my social life also i have several health problems including high cholesterol & high blood pressure (which is…
