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My SOA
As im new i thought i better add my SOA Monthly Incoming .... Income: £1,165.00 Tax Credits and child benefit total: £242 Outgoings..... Water £25.00 BT £15.00 TV lic £11.37 Rent` £210.00 Gas £38.00 Baby £26.50 C Tax £103.65 Phone £20.00 Break £15.00 Bus £20.00 Savings £40.00 Google £30.00 CTF £20.00 Sky £20.00 Childcare…
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Can you BT a loan amount onto a CC?
Hi everyone My OH has a loan that is currently on 19.9% APR with his bank, and we are rejigging our finances at the moment. I was wondering whether any credit cards allowed you to BT a loan balance onto them, thus hopefully allowing us to save on this interest amount he is currently paying? Thanks in advance x
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HELP....10K+ (HSBC managed loan hell)
Hi, im a newb - found this site yesterday. Currently in 8,900k debt to HSBC Managed Loan and a 1,600 from and HFC loan being collected interest free by Wescot at £40 per month.... Im just wondering if anyone else has had a managed loan with HSBC (or anywhere i guess) and how the tackled trying to get the interest down, or…
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Do debt-agencies work?
Hi I'm new to this site and would like some advice from anyone who can offer it! My partner and myself are in our early 20's and have debts totalling £12,000. (If I am allowed to state the agency name can someone let me know as they might be able to help me) We signed up with an agency who say they can help reduce our debt…
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What have/will you spend today - Wednesday 11th April?
Another sunny one! Bring on the heat! 33p for me today on a jobs paper. :j Keep it low! (:hello: hi moozie) Catt xx
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It may not be a lot for some, but for me...!!
Hi, I'm new to the MSE website and have been reading through the web site. I have always considered myself to be "bad" at handling my money and have realised it's time to get better at it. I downloaded the Money Diet Monthly Calorie Counter and I've included it below. Recently I tried to change credit cards to a 0% deal…
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11.4.07 what small DFW thing will you do/have you done today?
Hello :hello: This thread allows us all to share the small things that we are doing each day, which in turn form good habits and help us along the road to being, and remaining debt free. Today I will be: - doing piggy clicks - paying takings in to the bank before I have chance to spend the cash instead - completing holiday…
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Revelation Not For The Faint Hearted Its An Epic
Tonight I experienced a revelation it suddenly occurred to me that to recognise why I have acquired so much debt in such a short time I need to look back, to purge myself and to lose my “self-obsession” because that is what I believe is ruining me. As a cathartic exercise I’m reflecting on my life till now an exercise of…
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amazon - can i do it through quidco
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Confession time .... slipped
Well I am ashamed to say that we slipped up this weekend. We went out for a meal on Saturday night, to celebrate that hubby has got a new job. We haven't been out since June last year and didn't buy each other any pressies for birthday, xmas, valentines etc. so we felt that we could let ourselves have this one treat. The…
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This Site
THIS YEAR, I WISH THAT I STARTED TO CONFRONT MY DEBTS EARLIER ON RATHER THAN BURY MY HEAD IN THE SAND, I HAVE FOR ABOUT 3 YRS NOW USED A BOOK TO RECORD MY FINANCES BUT IT HAS ONLY BEEN LATELY THAT I HAVE SET GOALS TO START AND CLEAR MY DEBTS...AND WITH THE HELP AND SUPPORT OF THE PEOPLE ON THIS SITE I THINK IT WILL HAPPEN…
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How much do you spend on debt payments each month
I ve just been looking at some people signatures, and its just come to me that we all have debt but some of us manage to pay off larger amounts real quick, now i have just under 10,000 to pay off but some people have 2 or 3 times that and will pay it off quicker, which i think is amazing. each month i pay (to be precise)…
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Which way to turn??
Hi, I have a business which i have had for 11 years but unfortunately i am faced with the prospect of shutting the doors. No matter what i do i cant turn it round (unless i had money to invest that is - which i dont anymore). Its a limited company. The debt for the company isnt huge, maybe about 8k, plus a phone lease…
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Do You Try To Persuade Other People Not to Spend Money?
I was out with my daughter today and she was looking for a birthday present for a friend. She only sees this friend once or twice a year, doesnt really know her size or taste and so didnt know what to buy her. She eventually picked up a handbag which was very nice, anyone would have liked it and although it was £19.99 and…
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Still Got a Decent Credit Rating?
If so, Alliance & Leicester, Nationwide and Halifax are each offering £100 to open a bank account. Spotted this on the MSE current account thread. I am going to try a couple of them and use money towards my debt.
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Extra income?
Just wondering how I can suppliment my income, without being tied down in a job. I am a student on placement, and had to quit my job due to working too much and being ill. At least until placement is over. But I am looking for every way to bring in more money, as I have around £2,000 of debt and I have been at uni 2…
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£100k Debt Free in 4 1/2 years - My Debt Diary
Hello I have been viewing the MSE threads now for some months and have been inspired by both the successes of MSE'rs whom have fulfilled their goals, and those MSE'rs whom have had their respective 'lightbulb moments.' As a result, i have decided to keep my very own Debt Free Diary. I will look at it in some interest in…
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The Over 50K debt Club - Join Here!!
I'm not meaning to sound glib about my debts, in fact the reason I have started this thread is because I am still scared (despite all the great support on here). When I read about other people's experiences I do sympathise, and I understand completely that debt is a relative thing - being £10K in debt is very worrying if…
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Help! I'm drowning!!
:eek: After a year or so of mooching around the various threads and wealth of advice on this site, still I find myself creeping deeper and deeper into debt. I feel I need to admit my position to people who don't know me - unburden my worries without feeling judged. I hope this is ok and any advice would be VERY gratefully…
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My SOA - following my minor stress!
OK after my little stress moment yesterday I have decided to post my SOA. Mainly because I think sharing these things gives me the encouragement I need. So here goes - Take home salary after Sharesave deduction of £240 and student loan = £1188.35 Outgoings -Direct Debits - Loan £231.78 Council Tax £83.00 Car Insurance…
