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What should I chuck?
Hi everyone... Need a little advice here, that will hopefully get my credit rating back up to scratch. I currently have (in use): A car loan from Egg Credit card from Halifax Credit card from MBNA Overdraft I also have : An Oasis card (paid by DD debit every month - havent used for about 2 years) A USC card - only £18 on…
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Saturday November 25th 2006 is Buy Nothing Day (UK)
Having been going since 1993, it is the annual 'Buy Nothing Day' tommorrow. http://www.buynothingday.co.uk/ "Saturday November 25th 2006 is Buy Nothing Day (UK), It's a day where you challenge yourself, your family and friends to switch off from shopping and tune into life. Anyone can take part provided they spend a day…
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bailiffs
help! need advice fast . in 89 i ran up my credit cards to the hilt to save my business,but it folded ,i evenuattly paid everyone off (7 c/c) but had default notices on the accounts.i beleive i had paid off barclaycard and they said no .i asked from them for proof that i ahd not paid and they never sent anything to me .so…
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DMP and the rest of it.
Hi all, I've decided to go on a DMP eventually. Since Aug 06 (when I had my CCCS app) the situation have changed and even I've been earning more it still seems like I cannot keep up with my min payments and there is never enough money for anything. (I though I could cope, but I can't!!) :rolleyes: I have a few questions…
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Capital Gains Tax // Inheritance Tax
My elderly relative has made his will out to me and my brothers. He is not paying his council tax. We are going to pay the arrears and any future council tax and probably other expences related to owning a property for the next two years. We know there is inheritance tax to pay. The property is valued around 400k. If we…
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Credit Report
I have read many articles of not naming husband/wife as an associate when applying for a credit report. Unfortunately I did and as my husband had some defaults even though they are paid this effects my credit report. What should I do regarding this or do I just have to wait for 6 years any information/advice would be…
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I learnt something today
...that a first class stamp is 32p. Not exactly top secret information but I've always just bought books of 12 here and there and never bothered to do the maths or think about it, but now that each thing has to be bought individually and with cash I'm learning the cost/value/price of things very fast. We were going to buy…
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How do you budget for Christmas?
It's been a long time since I budgeted for Christmas and I know from the analysis of my spending that I did when I had my LBM that overspending at Christmas is one of the causes of my debts. So this year I am determined not to add anything to my debts from Christmas spending and then work out a budget for 2007 and save…
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Can I make money from my french?
Hi, I speak fluent french (was brought up bilingually). I've got a French A Level grade A, French For Business qualification and have worked in Paris for 3 months and as a bilingual administrator in the UK. I couldn't find a job that would fit in with school times that used my french skills - however I do love the job that…
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what does 'levy distraint' mean???
Hi folks, I hope that some of you very wise people will be able to help me. To cut a long story short, a month ago I was sent bills from HM Revenue and Customs to my address in another womans name. (Opened on auto pilot - you know what it is like!) I have no idea who she is, and she has never lived here as far as I am…
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Radiator or tumble dryer?
Hi Now the winter is upon us with the wet weather what is the cheaper option of drying piles of washing? On all the radiators at a low temperature or several small loads in the tumble dryer until theyre dry? Hope this is the right board for this type of question. Thanks :snow_laug
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snowballing
Is there an excel spreadsheet for snowballing please??? Would really like to work out DFD Thanks
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Spending Diary?
Hi, can I ask you guys, I have started a spending diary and was just wondering do you include bills and debt payments etc in your spending diary or is it just to keep track of the vanishing money situation (hopefully now I wil find where it goes and cut down my non essential spending). Thank you, x
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A bit more paid off / Hassle
Hi Just posting as it always feels better putting things down in writing. One of my creditors was O2 which was for £76.66 originally. Moorcroft debt collection were dealing with this and with Payplan they received £1.10 per month. I paid them some extra to try to clear this and got it to £26.66 in August when I offered a…
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My best deal
Got a really great deal yesterday: Got £34.35 worth of things in Whsmith. Of that a £25 book was half price (for boyfriends christmas present) and then got 10% off everything as there was a deal on, used my whsmith card to get 19 points and then payed using my Tesco clubcard to get tesco points. I ended up spending only…
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what's the best thing to do for my girlfriend?
My girlfriend has an old student account with roughly a £1,450 overdraft in it, while she was a student it was interest free, but now it is 19.9%apr, finances are fairly tight for her so she can't pay it off in 2 or 3 big chunks, but at the moment she is making small contributions every month yet every month as the…
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update for anyone who is interested
Hi all I post on here every now and then, okay my situation is as follows I/We owe nearly 80K (3 loans and a car HP and a cc of 2k). We are currently trying to stay within our OD and trying to gather together some money to start paying off loans etc cc is something we will always use and pay off and use again but on a plus…
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Major secured debt problems (my SOA)
I have posted a couple of times but haven't posted my SOA before. I really don't know what to do at the moment. I was off work for 6 months with depression due to a death in the family. I returned to work sooner than I probably should have, mainly due to my financial problems. Due to my depression I had 3 temp jobs over 3…
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sorry for being thick
what do all the abbreviations stand for have figured out oh=other half. but what about the rest dh? dd? etc :confused:
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Any Challenges?
Are there any challenges running at the mo? Could do with a kick up the bum!
