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Pixie's Debt Diary - Still Sinking But Trying To Stay A Float!
Hi Everyone, Sorry i havent been around much over the last few months, ive been working really hard trying to make ends meet by doing two jobs and totally shattering myself in the process. A little update, whilst i have not managed to pay any additional money off my debts my DMP is going well (pd approx 3.5k off since…
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I think I've kinda come to a decision
Well, although I may be getting a LOT better at moneysaving and not taking extra credit, i've kinda decided I can't wait 6-7 years to be free of my debts so i'm considering going bankrupt. To be honest, it wont "affect" me in a negative way in one sense, and that is that I never want credit again. Credit is an evil thing,…
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What's everyone up to today?
What is it about sundays that are so boring? There's nothing on the tv.. the house needs tiding but I can't be bothered.. currently alternating between the only 3 websites I actually use and reading the same posts over and over... I think I'm going to campaign for Sunday to be renamed 'groundhog day'.. what does everyone…
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How much have you spent today and Sunday to Friday challenge!
Good afternoon DFWs :) Isn't it a beautiful Sunday? Very bright down here although it feels quite nippy! Still better than dark and miserable ;) Had a really nice morning with the OH and we'll be off out soon. Going to look at furniture and ideas for our new home! :j Won't be buying anything today, just want to see what's…
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39 weeks till the big 3-0!
Sorry this is such a long one, but its helped me to really think about what I need to do, birthday :beer: for anyone who makes it to end! 39 weeks from today. It does not seem like a long time when I think about it like that. It seems scarily close. I'm not worried about turning 30, in fact I'm quite looking forward to it.…
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Jargon for Debtwannabees
Hello I am new to the site, and was wondering if someone would please give me a breakdown of the jargon on the site? What is SOA? Can you please explain the meanings of the other items mentioned on the bottom of some peoples threads - Quidco, Debt Challenge etc. :confused: How do you get a number for the Debt free club, I…
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2007 aims -baby steps.
We have a large amount of unsecured debt. That's fine, we got into debt and we will get out of debt -eventually. I'm not going all out trying to clear it, I must be honest as we have small children and I'd rather we spent some money on treats and holidays AS WELL as clearing our debts so we don't remember our kids' early…
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Dmp
Hello I am doing this thread again as i originally posted in the wromg forum. I am about to start a DMP with Payplan which is schedualed to last 23 years. I was wondering, if any of my creditors refuse my offer should i just tell them to take me to court. If i was taken to court would a judge when passing a ccj probably…
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Hi all.... My Story...
Hi everyone, I've been lurking for a while now but haven’t had the guts to ask for advice. I've got to the point in my life where i'm really panicking about the money that I am in debt for. I owe my girlfriend £5000. At the beginning of the year I had an accident and wrote of my car. Because I needed one to get to work she…
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Goals for week commencing 29 October / goals for month of November
Last week: http://forums.moneysavingexpert.com/showthread.html?t=288084 Eat breakfast at home to avoid buying stuff on way to work - Did this. NO shop lunches - Only managed this one day. Then it was back to Eat for more overpriced lunches. NO takeaway coffees - Bought one on Friday. That's still a great improvement. Take…
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My Lightbulb Moment
Just Done My SOA and this doesent include running my car, My Contact Lenses My mobile, Sky I think all of which are going. In fact I know they are all going. My Debt today stands at :eek: :eek: :eek: £17915.95 .:eek: :eek: I feel to Ill to type any more. Where do I start with that.
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New to Debt-Free Wannabe
Hi everyone. Just taken the 1st step to being debt free.:eek: Facing my debts head on and getting things organised isnt easy. I am not sure just how much I am in debt at this very moment, in the process of adding it all up. The sleepless nights and the moodswings caused by the worry wont stop just yet, but just finding…
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Tax Credits
When the tax credits renewal came thru I spoke with one of there advisors and gave them all the new details and they they altered the amount paid to me . But when I go online to the Inland Revenue tax credits do I qualify page and enter the same details about my claim it give me a totaly differant amount that we are…
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Re a debt free solstice/chrimbo I offer you...
erm a load of quick read vouchers for any peeps who feels they will be of use for thier debt free attempts. I have given about 20 million (slight exaggeration) of these out. I originally got them courtesy of Welshdragon who kindly let us know about their existance.:D I get so much from these boards and of course Martin's…
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I am still here...
Hi everyone I haven't posted recently in any of my threads or replied to any PMs - sorry about that. I am still around but I am fighting a nasty chest infection again so I am trying to take it easy at the moment. I will be around more when I have got on top of this bug. Keep going everyone :o Emily xx
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Here goes - my SOA
Hi firstly I will introduce myself as I am a newby to all of this. I am 26 live in the midlands with my partner. I work all the hours god sends!! Ok, so I have a good job, but too many debts. I am desparate to buy my own house. But need to pay off my CCs first. I come out with £1174 a month. (after I have put £120 into…
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Wanna Be Debt free member
I am devoted to becoming debt free current debt 13074.15 proposed date for celebration - 04/09 Have questioned, I have mixed feelings about putting money in a savings account, due to the fact that I have been unemployed before and was relieved that I had savings to fall back on. I used this nest egg, and now am slowly…
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sat nite dfw (halloween) party
I hope no-1 minds me being host for the nite, but I am being impatiant and want the party to begin!:p as I am bored at work! I am only here until 21:30 so after that the place is yours. what costume have you got on? I am dressed as morticia from the adams family.:rolleyes: :beer:
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MBNA just paid for my weekly shop !
Well not directly, but today i received a visa electron card from mbna with 10 pound credit for "being a good/loyal customer". Its a gift card style pre loaded with credit style card. No catches either. Thanks mbna thats going towards my shopping !:T
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MBNA still suck but.......
hi everybody ive been on my dmp with payplan since march but the debt didnt seem to be going down atal thanks to the interest and charges from mbna etc mbna being the worst (ive paid them £360 and theyve took that and increased my balance by another £500!!!!!:eek: ) today i had a letter saying mbna were stopping the…
