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hassell from creditors
Hi I have just started my dmp (posted forms last week) and yesterday received my first letter from bank asking me to put cash into my acc imediatly as i am over my o/d limit. I have today sent this to cccs as i think it has crossed with cccs letter to them to confirm i am going down the route of dmp. what i would like to…
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Car Expenses
Hi all, I have been doing well with sticking to my budgets:D . Until last wednesday, when the car had to go in to be serviced for MOT. It cost £320 for the service & 2 tyres cost £50. This was ok as i'd budgeted each month but yesterday we discovered oil leaking from it - took it down today (at 2pm) to garage (MOT at 6pm…
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it can be done
hello, i am new here, but have been reading other peoples thread for the last few months.... i have been on a debt repayment program for the last 8 years through gregory pennington (i know you pay but it was my best option).... i have now 4 more payments to make and will become debt free.... with some of the posts and qrys…
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What am I doing?Am I doing ok?
Hi there, After reading nearly(!) all posts, I have decided ask your opinions. As always my SOA (Monthly) [Income] My Salary £1840 My Wife's Salary £866 Rent Income (one room in the house) £216 TOTAL £ 2922 [Expenses] Mortgage £ 980 :eek: Elect,water,gas ~ £ 105 Travel (both of us) £ 225 Council Tax £ 110 TV Licence £…
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URGENT ADVICE NEEDED - Solicitor writing to employers!
Can anyone offer some urgent advice. I've just had a telephone call from my husband to say that HR Department have contacted him. Apparently a solicitor has written to them asking for clarification that my husband is an employee. The HR worker has to ask my husband's permission to give out that sort of information. Now…
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Happy Halloween everyone!
(Also Merry Samhain, All Hallow's eve.... etc!) How will everyone be spending their DFW halloween then? I'm going to a fancy dress halloween party... but I won't spend a penny as it's at my work (I'm a nursery nurse) so I get to look after loads of hyper e-number filled children and their costumes.. LOL.
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Not so much of a lightbulbt moment, more a sick feeling in the gut!!
As the title says, its not so much a lightbulb moment, more of a sick feeling in the pit of my stomach that makes me want to cry when I think about it. I am in a hole and digging myself in deeper by the day. My SOA is as follows; Monthly Incomings: My salary - £933.33 Child Benefit - £64 Tax credits - £46 Total - £1,043.33…
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Time To Wake Up & Smell The Coffee!
Hello All I have decided to face up to my debts and have been avidly reading lots of posts. I will try to give you a rough picture of my current financial state. I earn around £1200 a month my outgoings are as follows :- Mortgage (Interest Only) £300 p/m Car Finance £90 p/m Gas /Elec £50 mth food£50 mth mobile £30 mth…
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Job sorted and pay rise
Horray got to speak to my boss today finally and they have rewritten my job description, I have been promoted from assistant to officer which means I get a pay rise woo hoo not sure how much exactly yet but great for crimbo also managed to increase my reduced hours (reduced them after maternity leave) only increased them…
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Can I just say......
how nice it is to see how you have all helped and inspired each other. And what a genuine forum this is. I don't post loads but I do lurk alot and I get loads of inspiration from you all. And refering to the 'May I introduce...' thread, that made me laugh! So not only do you get great advice, fantastic inspiration but you…
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Finally some happy debt news!
Called up a dca (Rockwell) today for a figure on exactly how much DH owe, expecting it to be around £400 (We were planning to negotiate a settlement figure) and we were shocked to find out.. the balance is ONLY £165.18!!!! PLUS by the time we've got the money cleared a normal £20 payment would have gone out and they said…
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May i introduce...
my OH, beloved Bazey into the MSE DFW Fold :love: Finally joined up :j and I hope you will love him as much as you all love me :rotfl: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer:
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BT or pay APR?
Hiya everyone, Hope you can make sense of this! My 0% has ran out on my Abbey credit card and I have been unable to get another 0%. I have 0% on HSBC card until next year. I have an outstanding balance of £1500 on Abbey card and £289 available credit on HSBC card. I was thinking of transferring £200 from Abbey to HSBC. The…
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Writing things down
I apologise if this has been done before but ibe been wondering I know we all put our SOA on here and also some keep a debt diary through the DFW ... but does anyone keep a written diary at home? .. :confused: I like writing lists and things (sad i know) .. and was wonderng of anyone else keeps track of their spending by…
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Picture rant .... ~blush~
I apologise in advance but have been stewing over this since yesterday afternoon and i can contain it no longer i need to rant! That FLAMIN picture advert must be one of the worst loan ads yet! .... woman rings oh yeah i want a loan! ... for £25,000 oh fantastic id love a loan from you picture and of course ill pay back…
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Microsoft MOney
Does anybody use MS MOney to budget and keep track of there income / out goings etc? Is it any good? ANy tips ?
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Hoow much have/will you spend today Tuesday 31/10?
Good morning lovely DFWs :D Last day of October today - feels very autumnal today down here! I actually feel that way myself - wouldn't mind jumping into bed for a few more hours. I am a bit concerned about the challenge this week. I have an in-growing toe nail and although I've done my best on it, I can see I will have to…
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Thank god it's payday!
Don't you just hate the end of the month when you're living off last bits in the freezer and something always crops up meaning you have to spend the money you don't have? Luckily my DH gets paid on the last working day of the month but I still have to wait til the 5th! booo! On a brighter note we're starting our November…
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british gas LONDON voucher
Ok Ive got another one of these vouchers for a LoNDON based British gas customer to get 2 ffree energy saving LBs nad other energy efficientcy info First to PM me can have it GO GO GO
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Dawning of realisation (hello!)
Been trawling through the forum for a very short while now, and just thought I'd pop my head into the fray and say hello. At the moment, I owe just under £28,000 and have finally decided to sit down and sort things out. It's not nice when you look back on what you've spent throughout the years and have little to show for…
