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ok brief soa
looking at my buget from CAB so i think its done pro rata income incapacity benefit £502.66 income support £40.95 child tax credit £403.70 child benefit £75.61 dla(sons) £269.75 dla mine £188.28 total 1480.95 (seems alot whne u look at it like that ) rent arrears +water £100 c.tax £10 gas £60 electric£60 houskeeping £400…
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Nice surprise
How stupid do we feel today?:rolleyes: End of October was a bit tight i.e just a couple of quid left until today. Got paid today....yippeeeeee!!!!!!! Started to work out our weekly budget for the rest of the month, and came up with a good manageable figure. No problems there you may say. Went shopping, put petrol in the…
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Under £30K
Just a post to give myself moral support. Under £30k of debt now - a small step but a nice target to break. Got £450 back today from Barclays for unfair charges so a nice end to the month. Roll on getting under £25K.
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help plz
my thread i mentioned is below new user help needed please
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how do i start
doing the online surveys that u get paid for or any other ways to make money ?
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anyone help please
hi all i posted last night for some advice and got little response did i not say wnough or has it been missed or am i expecting too much ?
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Bad Day
Shopping at the weekend - went over budget by £50. then today went to get in the car and had a flat. Finally got tyre quotes down from £160 to £84 at Kwik-fit but they thought they might be bale to repair it for £17.50. However they couldn't in the end so I've got to pay for that tomorrow. It's my wife's birthday this…
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Sending parcels.. which is cheaper?
Standard parcels by royal mail or parcelforce??? Any idea? Need to send a guitar which weighs about 12lb which is rather bulky..
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Tesco shopping online
A experience of pre paid credit cards, any DFW's got any experience of pre paid credit cards? can they be used for tesco's shopping online.They won't accept my visa electron.
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Apologies if this is a repeat of an old thread....
Just wanted to find out if filling out online surveys is a good idea and can you make any money and if so how much do you make per survey ?? If you can make money, does anyone have any recommendations with regard to whom to join / most lucrative etc etc Sure I have seen it on here somewhere !! Thanks in advance.
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See the signature
:beer: :j :beer: Now going to concentrate on overpaying the mortgage and OH's bank loan. Best wishes to everyone on the footpath to "debt-free-ness". I will post an updated SOA when I have worked it out. All the best Gilly
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First day of not drinking
I took the long overdue decision today that the most significant thing I can do to reduce my outgoing was to quit drinking - I probably spend about £30-40 a week on beer and wine. If anyone has got some help and advice to keep me going I would really appreciate it. :rotfl:
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SPECTRUM on watchdog NOW
Hi Didn't know where to post this so I put it here !. Just watched intro to Watchdog and they are doing a feature on Spectrum debt consolidation services. It may be of interest if any of you had dealt with them
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This months targets
Well we've hit the end of a month again, I didn't really set targets last month as wasn't having a good time of it and much more on my mind. But I did manage to totally empty the freezer for the first time in 4 months and resisted the temptation to just keep shopping. Looking for inspiration from you guys and girls on…
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The best ever SOA?
My friend is in a right fix. I need to show him a really good SOA so that he can undertsand the concept and do one himself. I would like it to be a real one, showing quite good income and the costs of an entire family with children and lots of debt as well as some useful advice. Not too long though. He has the attention…
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Oh how I hate halloween 2 - the return
A big thanks for whoever pushed my post to the dead zone.:rolleyes: :rolleyes: :rolleyes: :rolleyes: :rolleyes: :rolleyes: :rolleyes: Conversation over then. I'd like to make a protest to all DFW's. If our post is interesting, even if it is not directly to do with debt, can't we keep it here at least for a bit. I have…
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Urgent - Please Read Before 7pm Tonight
I posted a long thread about my debts and Spectrum Financial Protection a few days ago (see link below). http://forums.moneysavingexpert.com/showthread.html?t=293601 Feeling suspicious about them, I contacted the CCCS to ask if they were aware of them and their business policies. Whilst the CCCS can't advised me on another…
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IVA and DMP? Whats the difference
Been on a DMP with payplan for the last 2 years and has gone down from 16k to 13k, so its a slow thing but better than nothing. See these adverts which state they can get the debt repaid in 5 years as they have a loophole which wipes something like 60-70% away, which all sounds great but does that mean in years to come…
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IVA debt question
Hi, i was wondering, i'm in the process of starting an IVA with payplan but i'm not sure about the sums i can put down as debt. On their website it says you can include debt for friends and family but when i spoke to the lady that rang me she says the banks wont agree to the IVA if it includes debt from family. I've sort…
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Does anyone use www.ebid.co.uk?
Hi all, We all seem to use ebay (and pay their fees!) but does anyone use Ebid? I signed up to it ages ago but never actually listed anything on it. It seems that you can list things for free if you don't mind it not have a photo displayed on the listing page when people do a search (called gallery in ebay I think).…
