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Do you set daily tasks?
Morning all! In my new phase of being super organised - I was wondering if you all set yourself little daily tasks to help with the money saving? I thought I would give it a go to help keep me on track. Would anyone like to join me - perhaps we can keep a check each day to see how we are doing! (and give each other a kick…
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Basic Bank Account Timescale
Hi I applied for a co-op cashminder account the day after I was declared bankrupt on 11 October. I did this by phone. I received provisional acceptence within 10 days on the proviso that I confirmed my identity. I did this on 25 October by taking passport into London branch of the co-op who copied it and faxed it to their…
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Debt consolidation options
hi all, I have a question about debt: I've seen the ads on tv but i wouldn't want to call in case they force me into paying for services i don't need. They mention that its possible to slash your debt by 75% with help by the government, but how do i know i qualify for it and who do i speak to to get it... thanks in advance
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How much have you told people/the children?
Just wondering how other people have handled this? In simple terms we owe 80k+ (yes, you did read that right!) and as Nathaniel has just lost a big client (he runs his own company but that's only part of the story) we know there's no chance of meeting all our repayments, which up til now we've always met scrupulously.…
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tax on 2nd job
I started my 2ns job in the pub last weekend and its not cash in hand as i thought - its paid weekly into my bank account anyone know how i will get taxed on this? it wont affect my full time job will it?:eek: thanks sobs xx
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IVA - can anyone advise?
Hello all, It's my first post on this board and I'm looking for advice if anyone is able to offer some. I'm quite heavily in debt, having borrowed more than I could really afford, to try and support our ailing family business. I'm now in the situation where I'm unable to meet the monthly repayments. I haven't defaulted on…
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Bargain
Hi there, Don't know whether anyone is interested ...LIDL has battery chargers at £3.99...they charge every type of battery...they also have all types of rechargeable batteries at £1.99 a pack...thought it would save everyone plenty of money in batteries...sorry if it isn't much use to you or if its been posted elsewhere…
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Come on then.. what do we all look like?
Here's a picture of DH and I on our wedding day (I'm the one in the big dress LOL)... Don't know how to paste pics so will have to put the link up. Anyone else fancy sharing? Thought it'd be nice to have some tuesday evening light heartedness! We could even rate each other out of 10.. LMAO.
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AAARRGH!! MSE/DFW Christmas has gone
I don't believe it. Every other year I end up having to get my own Christmas presents from my family as well as the ones I give them. Not thinking this year would be any different, today I converted my remaining pigsback points to vouchers & withdrew my quidco balance ready to start my christmas shopping at the weekend.…
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ahhh- morgage gone up again...
Ok so I knew the letter was on the way but no less gutting to find that payments are now over 600 a month...anyone elses gone up & feeling fed up about it?
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Resolutions?
I know I'm a bit early, but I'm really looking forward to a New Year and I've been thinking about the things I want to change in my life. Of course, the biggie is to pay off debt and save etc... But, there are so many things on a personal level that I'd like to change too. What about everyone else? Some of us have had a…
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token payments
hello..have been in contact with both the cccs and debtline as to my debts now think its in my best interests to offer token payments. so today have deposited using "quick deposit envelope" £3 cash to cover my overdraft charges and therfore take me to my limit of £1000. if i was to pay a token payment to my cc at another…
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Unexpected bill moan!!!!!
ok so it's only £36 and I knew it had to be paid. Outstanding old supanet bill. But i've had to put it on my credit card as had no other way to pay it. Bloody hell. I'm trying to not spend any money but it seems like there's always flipping something. Not spending any money now until Friday. (Except my bus...but have to…
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Woohoo! Just gained £50!
Just managed to gain £50 because my bank where we have our savings account couldn't beat our house insurance price! They've got a deal on to encourage people to get their house insurance where you go in for a quote and if they can't beat your price they'll match your existing policy like for like and give you £50! So all…
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Youhoo! A quickie from me
Sorry I've been away for a while but have been off work with appendix trouble and no internet access so popped round my parents today to use theirs! As from today I'm offically DIVORCED!!!!! I have been coping well with my budget and keeping my parents informed by showing them my bank statements all the time. I hope…
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Advice on reclaiming charges and DMP
Hi, I have just started a DMP with CCCS. I have opened a basic account with Co-op and transferred everything over to them. I am going to start reclaiming my OH charges from RBS which will pay off his overdraft. I have 2 accounts in my name. My HSBC account has an agreed OD of £500 I thought the current balance was £1000 od…
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Anyone want a quick cuppa this afternoon?
Im sat here with paperwork everywhere... Loads of forms to fill in for the OR. Would anyone like to pop in for a cuppa and keep me company... We can chat about anything... The weather, Work...Christmas... Ill go put the kettle on.. Ive some dead nice chocolate covered cornflake cakes from ASDA if anyone wants one.. :T Oh..…
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drowing in debt......
Hi everyone I'm a new member (well, I've been checking out the site for a while, but have never posted. I'm sort of buildling up the courage to have my own light bulb moment, and just wanted to say how much everyone else's stories have helped me realise that I'm not the only one with problems. I'm still not sure exactly…
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Loan Advice Needed - how to pay it off the quickest?
Hi I have a loan which has another 4 yrs left but want to get it paid asap as we are getting a house and don't want to tie this into a mortgage. I recently had a settlement figure which was around £8500.00, would you advise to concentrate on saving up and pay in one lump sum because i can't make over payments, or should i…
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Is having to much "stuff" the problem ?
Me and Mrs best both work (though she is on maternity leave at the moment, may or may not go back to work). We have no debt accept a mortgage (we have paid of credit card / car loan). We have some rainy day savings. I am just wondering how much debt is the result of needing "stuff". Though our joint income is fairy good we…
