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DD's Challenge Sub £10k by Xmas '07..
Hi everyone :D I have decided it's about time I got off my butt and did some SERIOUS debt destroying... I have been having a race of sorts with SS this year as we both had around the same figure to get rid of and he's seriously been thrashing me :rolleyes: I am the worlds worst hoarder but I'm hoping to turn this to my…
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Help compiling a complaint letter?
Have posted this on the internet access board but not getting much joy.. I need help writing up a complain letter to BT as after loads of problems I've finally had enough (Technical problems, payment problems, customer service idiocy as well as them now wanting to charge me more to upgrade to a package we thought we were…
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"Debt" Problems
Hello folks - apologies if this post is in the wrong part of the forum , but I thought this would be the most suitable place My wife has received two letters, from two seperate debt collection agencies , threatening court action if she doesn't pay up ( £400 on one , £1200 on another ) We have had absolutely no dealings…
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How much will/have you spent today Mon 6/11 and anymore for the Sun to Fri challenge?
Good morning lovely DFWs :) Foggy and wet down here, definitely a duvet day! ;) Was good and didn't spend anything yesterday and planning to do the same today. If anyone else wants to be in the Sun to Fri challenge, just pledge your budget and off we go! :) Have a lovely day and keep it low! Moozie x PS Toe feels like new…
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New Job
Is there any were I can check online to find out approx how much tax and national insurance I will pay as I should be starting a new job soon and I want to find out if I can. ;) :p ;) :D
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Pay Frequency
Hey, Does anyone get paid at times other than once a month? I get paid every two weeks and on one hand I think it's good that I get a regular amount but I find it a bit hard planning to pay my bills etc because some of them are due 13 days after payday etc. Just wondering if anyone was in the same boat?
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First time post - this might scare you!
Hi, I recently joined this forum after being sent the link from my fabulous girlfriend who has been a member for a while. My story isnt that straightforward - and when its all explained it might scare you a bit to just how much trouble i got myself into - and the length of the road out of it. To cut a long story short I…
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Update from Moi :)
***Note it is about a year since i joined this forum, 10.5k of debt and depression were my life, wasted potential and no hope of meeting the girl of my dreams*** Hey gang, long time no erm, type Well there has been the odd post, but we all know how time flies Thought id give ya all a quick update on how things are going.…
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to get that lil bit extra...
hi all me and oh have decided to explore the extra cash routes.. as we both work quite long hours a second job isnt an option... things we are curently doing YouGov Surveys.. mystery shopping through grass routes purchasing things through cash back sites ect i know there is alot more out there can anyone reccomend the best…
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Help Required
Hi All Am after some thoughts on a couple of different things. I finally took the plunge and sorted my finances out, did a nice snowball and got my debt free targets, am pretty happy with things. Most of my debt is long term loans (the stupidity of consolidation), and as such the APR is quite good, 6.9%. I say quite good,…
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The easiest thing to cut down on SOA...
... in your opinion? I'd go for food. I was shopping yesterday in Sainsbury's with me housemate, and I realised how much money I was saving now on food by buying/cooking up/freezing meals. But I reckon I also saved around £10 on top of my shop anyway due to my housemate being there. EG: There's loads of 'Buy one get…
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newbie asking for advice (for a change :))
Hi, Firstly i'd like to say thanks for the interesting advice already available on this site! from what i gather i need to do a SOA first so here goes: Monthly Incomings: My salary - £836 Total - £836 Monthly Outgoings: Food - £150 Petrol, cigarettes + entertainment - £300 phone - £41.98 Internet - £17.99 gym - £29 Total:…
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Long time lurker, 1st time poster!!
I have been lurking around these boards for far too long now, thought it was time to say hello. So here goes.... Hello. Wow, it wasnt as hard as i thought ;) My story basically is that I found this website just over a year ago when I was in debt by around the 30,000 mark! :eek: I'm not even sure exactly how it happened, I…
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Pros and Cons of going for an IVA
Hello All, A friend of mine is considering an IVA. Can you tell me the pros and cons? It seems to me that anyone can work up a serious amout of debt and then pay off a smaller amount over a 5 year period with the rest being wiped off. Please tell me there are more downsides to it? T
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How much have you spent today? 5/11
Thought I'd start this thread today. Hope no one minds. I might have had a bit of luck today. I got about £5 worth of shopping in Tesco and used the self service till. I paid with debit card and on taking my card out of the machine an error message came up. The supervisor said she wasn't sure what to do as if she put my…
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Company in administration: time to get payment protection insurance?
The company I work for has gone into administration. I have not been there long enough to be eligible for statutory redundancy (just payment in lieu of notice and untaken holiday pay). I have: a £2k overdraft (0% until next summer) - maxed out an Egg Money card (£2k limit - 7.9%) - always in credit but probably won't be if…
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As a DFW Do you Tip in Restraunts, etc?
I have a friend that would disgust most MSEs in the way he spends - he is on an incredibly good wage, he has a mortage and 1 credit card that is almost always paid off in full each month. He has no other debt, and a ton of savings. He eats out EVERY lunch time and almost every night. He has a car, but often he can't be…
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Goals for week - 5 November
Goals time again. Last week: http://forums.moneysavingexpert.com/showthread.html?t=292988 -- Breakfasts at home, make lunch, no takeaway coffees Managed most of this. Only two coffees. Sadly the lunch thing isn't working. -- Cut down on spending - this week was over my target Still spending over the limit. Must cut down.…
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Advice please-dodgy husband alert
Please be gentle with me i'm brand new and a bit scared. This is not entirely about saving moner although it is a large part.I live with my husband and we are currently paying a large debt. We owe over £7,500 to three credit cards, an overdraft and the remainder of husbands student loan. We initially owed £12,475 but by…
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7 Weeks until xmas, how are we all doing ?
Hi peeps, My aim isnt to depress anyone however christmas is ever looming (7 weeks away) and i thought it would good for us all to share how far we have got!! Anyone finished buying pressies and sitting back nice and relaxed ? Im glad to say ive got all the money i need saved up so its just a case of spending it now. ive…
