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This has appeared on my work Intranet Site...
if anyone wants help and to be on TV. Are you in debt? Can’t stop SPENDING? NEED HELP? If your spending is out of control and way beyond your means, and you’re constantly in the red maintaining your pricey lifestyle, give us a call to find out more about BBC3’s Spendaholics. We’re looking for people who want help to curb…
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How much have/will you spend Monday 16th April
Wow, what a weekend! Two NSD's for me and 13 hours in an open top 1932 Alvis car yesterday (boyf took me on a classic car rally) so got nice tan (although tired!) Should be a NSD for me today! :j Keep it low (Hi moozie :hello: ) Catt xx
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How do you stop unnecessary spending? Tips/ideas
I umm felll off the wagon on Saturday and had a bit of a spending splurge - £75 on stuff I didn't really need. I've wrapped it all up, got the receipts and am going back today to get refunds! I forgot to say my usual mantra (picked up from this Board) which is....... 'Yes, I want it - but do I really need it?' I told a…
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how long for Valued Opinions vouchers to reach you?
Hi, I've been patiently filling out surveys for Valued Opinions and finally reached the magic tenner mark need for Tesco's vouchers (all other vouchers are given out in fivers). Does anyone know how long they take to arrive? I claimed them this morning.
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Don't know what to do?
Hi, My husband and I have got ourselves in to a state following our lightbulb moment where we realised we were 38k in debt, cards ,loans etc. We have taken out a DMP with CCCS and are paying back £823/ month but are still finding this a struggle each month- 3 kids and 2 cars that although poorly are needed! The plan…
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Menu Planning
I plan our menus and price them all up for the month but it becomes very boring and tedious and often we miss out on offers - so is it better to menu plan for the week or for the month? SFx
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Surveypolice.com
Hi, Not sure if anyone has already posted about this website but basically for those of you that do paid surveys or are interested in doing them, check out this website first as they are a great source for finding out which survey sites are worth joining and which ones are not. You can also post complaints and they will…
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Super duper dishwasher tablets!
I am wondering how many more people are falling for this gimmick? My cousin bought a dishwasher a few months ago-her first one(I am on my third) and I found out the other day that she is using these super duper tablets in it. well thats fine, but.... she is also using salt and rinse-aid! Is anyone else being conned into…
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Looking into Betterware for extra cash...
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The Unneccesary Challenge
Yes folks, it's the one you've all been waiting for! Heres the logic. Per week everyone has a budget of £10. This is to include all unnecessary spends. By this I mean the magazines, the cup of coffee on the way to work etc. All those things that you want but never truly need in order to survive. This challenge was borne…
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My Debt Diary
I want to bottle how I'm feeling right now thought this might be the best way. I feel a failure, ashamed, deflated and weak when looking at our debts. Looking at the money we're repaying I feel like we've failed our girls, mainly as the repayments could be being saved for their future but also that we've got nothing to…
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Advice re credit card debt
Hi I have about £2000 outstanding on my credit card which will take me around 6 months to pay off, although it will leave me quite short month to month, I pay around £400 per month in 10 year endownments which are not performing that well. Should I cash in 3 of these policies and clear my card as well as giving me around…
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Sunday Night BBQ Anyone and its byob rsvp!
Yes can you tell I am booooorrrreeeddd Just back from a friends caravan in Loch lomond had a great time but lost the cable for my digital camera so cant load my lovely photos online damn. Well the sausages burgers and kebabs are on who wants what?:beer:
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unfair removal of overdraft
In January I recieved a letter from my bank saying that since i had not replied to their letter (which i had not recieved) they had removed my overdraft facility and were now charging me at a higher rate. Since then i have requested my bank charges back and have recieved the first refusal which states that default charges…
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Wanting to change credit card but dont know how
basically i have had a halfax credit card for 12 months and have about £2000 to pay off i also have a few outstanding bills and want to pay them off in one fell swoop as its a bit of a nightmare. so i was thinking of transferring my balance on the credit card over to an interest free card and paying off my bills with that…
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Wait for Babies?
Hi everyone I just wanted to ask your opinions really about having a baby. My soon to be husband and I have put off having a baby until my loan is paid off which will be in another 3 years. I will be about 30/31 then. I have just seen one of my friends who is expecting a baby in August and she was surprised to hear I was…
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Do you class Mortgages & Student Loans as debt?
Hi Guys, I've just been reading some interesting posts in the "When will you call yourself debt free?" and had a mini discussion about whether mortgages should be classed as debt. I was finding it intriguing how different people classify what is and isn't a debt, but didn't want to hijack that thread with further…
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debt free date
Hi all, I've seen many of your signatures incluse a debt free date - can anyone tell me how you worked this out and where I can do mine? Thanks
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Revised SOA for 2007/08
Hi guys Posted on here before. But at the time, If im honest I didnt really know where my money was going! Bit more on track now (I hope) But I still could do with a few people to look over my SOA. I cant decide what to do with savings, which debts to pay first etc & also, want to reduce broadband/home phone (currently…
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In need of some advice
:mad: My husband pays his debts throught CCCS. They have been very good through the process and we would reccommend them. However we have a problem with one of the creditors CCCS is paying for us. Clydesdale Financial Services have been sending letters for the last 3 months stating the minimum payment has not been paid.…
