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7 Deadly Sins of Money
Saw this by good old Alvin Hall on MSN http://money.uk.msn.com/banking/Alvin/article.aspx?cp-documentid=1272486 I definitely fell for number 2 - entitlement & number 4 - delusion Which of these did others fall into, or don't you agree?
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Slightly OT - Debit Card Question
Not really debt related as such but I'd appreciate some advice as I'm fuming. On the 27th August this year myself my wife, mum and gran went out for a Sunday meal. The cost came to £65, which I paid using my debit card without any problem. I didn't specifically check this on my next statement, primarily because my wife and…
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Cash or Debit Card...........
Do you think that you would save more money by paying cash or using a debit card? I guess that a debit card is simlar in principle to a credit card in that 'it's too easy' and you don't see the money that is leaving your fingers.... Although my financial situation is reasonably good, I do still have a car loan and am keen…
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Overdraft and loans questions...
Sorry,may not be the right place for this,was thinking about clearing my small loan quickly,but it does not allow me to make overpayments.. Out of interest,one way of doing this was to consider increasing my overdraft as will be cleared by my monthly salary going in.. Can anyone please tell me if an increase request is…
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DFW Unemployed Graduate with loads of debt
Hi everyone, I graduated with a PhD in cancer genetics in Nov. 2005. Since then I had a job for half a year (was a fixed term) then some freelance work but I'm unemployed at the moment and it's a bit scary as I haven't seen anything for ages. I've got an awful lot of student debt to pay off. Student loans (deferred so I'll…
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Iva
Hi I was wondering if anyone else has done an IVA? I have landed myself in trouble and owe a very large amount of money. I ahve been advised to go through an IVA. I am in the process at the moment but am still very very worried about it. They have left me with enough (they think) to live on each month. The thought of being…
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i'm in a mess....
Hi i'm new to this board been reading for a while and decided that i have had enough of my debts, i just dont know where to start with it all, im in a mess!!! im 24, still living at home so have no excuse to be in this much debt at all. I am currently looking for another job. Going over my finances i cant see anywhere that…
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trying to open new bank account HELP
I have been advised to open a new bank account but am having difficulty have tried the on line nat west one but it keeps asking me to enter my salary numerically, I've done this, I'm assuming that means in numbers!? am woried about going to a bank and talking direct, in fact I have just been up to nat west and they need me…
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DFWB and will be!!
Hi everyone, I've been watching the forums for some time now and feel inspired now to be a DFWB by 2010 if not sooner. I have spoken to the Halifax & Abbey (H&A)ref payments on CC's that seem to spiral out of control, explained I am having trouble even meeting the minimum payments each month and H&A were not much use…
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If I'm not careful I'm gonna end up in trouble.
Hi folks, I'm a single mum of 2 kids. I'm managing to meet my monthly det obligations but I feel that if I carry on with my whimsical spending I'll end up in more debt. SOA Incoming £2013 salary £116 child benefit. Outgoings Rent 302 Council tax 71 Gas & Elec 80 BT 25 Water 31 Broadband 19.99 (will be free soon) Mobile 3…
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tears in front of officials
sorry to ask yet another question but has anyone actually broken down in front of an OR ? i'm expecting myself to due to relief and high stress levels at the time. also i am a very emotional person and even some adverts on tv set me off and don't talk to me about dumbo film!!! i know it's irrelevant and won't help with…
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How much have you spent today Friday 17/11?
Good morning lovely DFWs :) It's Friday at last - she says, having only worked one day this week :rolleyes: Feeling rather chirpy this morning which is fab as I don't like being dark and gloomy for long! Well, I've already spent £2.15 this morning. Decided to get my team some cakes for holding the fort while I was poorly.…
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Self Administered DMP's
Has anyone done this? If so, please could you tell me the best way to go about it. I do have an appointment to speak with CCCS on 29th Nov but just wondered whether it would be possible to actually set it up ourselves. Hubby is a little bit concerned about handing responsibility over to someone else and would rather look…
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Barclaycard - Experiences?
I have a £1900 debt which I reduced to a payment of £21 in March. After lots of letters, Mercers did eventually seem to agree to a payment plan for 6 months. Since then i've had a few random letters, but no serious hassle. However they have not frozen interest and are still applying £24 worth of charges a month (am…
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Daily tasks - Friday (hurray)
Hi All What's everyone's tasks for today and how did you all get on yesterday. I did ok - I got the job application sent off. I also had to book a room for a party (which I did ) and I did tonight's shopping!!!! Today I still need to write the blasted restaurant review! Meet my mam for lunch (could be expensive - she…
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I can't take this anymore....
I've been juggling my money between credit cards and overdraft, but I can't take it anymore. I've been utterly useless with trying to sort my debt out. Alot of you would have had my debt cleared a heck of a long time ago, but I seem to be adding to it - well certainly not reducing it. I've realised today that I literally…
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Bills account - does it make life easier?
Hi all, I notice that some of you have a seperate account for Direct Debits coming out. You pay money into this 'bills account' at the start of the month and effectively the money that is left in your main account is what is left for everyday living etc. Do you find this makes budgeting easier? I just can't seem to get a…
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SUB £25k AT LAST!!!!!
:j :j :j We did it :j :j :j Finally got there just in time for Xmas :D This is the best present I could have asked for I am sooooo pleased,can you tell :D :D :D Have just resnowballed everything since going to the bank today and can you see my shiny new debtfree date????? :rotfl:
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I'm getting on board, DFW.
My financial affairs aren't too dire, but could clearly be better than they are. I have things fairly under control budget-wise, but hope that making this thread will ensure I'm held accountable! Basics: 21 years old, in full-time employment, live alone in rented flat, smoker (give me plenty of grief for this, it needs to…
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claiming bank charges back
please can anyone help - do i send the letter to my home branch or just to barclays customer services can i hand it in to my local branch or do i send it recorded ??
