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Including interest in budget
I'm being very anal about money at the moment, and I'm using a software package (Accountz) to track where the money is going. I'm including spending on credit cards but I've discovered that to make the figures balance, I've had to create an entry for 'credit card interest' as a separate expense alongside food, electricity,…
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Selling the house or DMP
Hi I have an interview with cccs next Wednesday Option 1 now I don’t want to sell the house or try to sell it but me and the wife could pay off the mortgage and most of the debt then rent Option 2 Has anyone had any dealings with the people that buy your house then you can rent it back Option 3 Take the dmp and try to…
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Free online course, Building a budget and sticking to it!
Hi, I have found and am taking a course from the american site of ivillage, called building a budget and sticking to it. Thought it might be of some help to other DFW's!! http://ilearn.ivillage.com//courses/overview.jsp?courseId=12544&courseSessionId=4517&webPageId=1000000&campusId=1300 Carli x
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What would you do.
What would you do, if you came into an unexpected windfall??:confused: Would you automatically chuck it at your debt?? or Would you give it to a hard working homeless daughter desperately trying to find a deposit on her own home??
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what have/will you spend september 28th 2007?
hellooo Hopefully everyones well and gearing up for the weekend Good luck to everyone keeping costs to bare minimum and remember :A Keep it low :A As for me: So far a NSD, but going out to celebrate payday so will spend approx £10
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Student Hangover, Vicious Circle
Ugh, where to start? My fiance and I are a couple of years out of uni and are in full time employment in the IT industry, earning 42,500 between us. We have: Overdraft (interest free until july 08, mine): 500 Credit card (interest free): 1100 Graduate loan: 7000 Student loans: 25000 (I refuse to consider paying these back!…
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Are they entitled to this info???
One of my creditors has asked for a review (which we were sendind out this month anyway) and has asked for proof of income in the way of a copy of OH payslip within last three months and some photocopies of our bank statements. I have asked our advisor to ring me ref this but am still waiting for response. Can anyone on…
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What have you/will you spend today Friday 28th September 2007
I couldn't find the thread, this morning, so I'll start it off, if nobody minds. :undecided It's almost the end of the month - that means payday for some, with the temptation of 'going over the top' with spends, or maybe 'just a little well-deserved treat. Just remember, though, there's a whole month before next payday.…
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Swimming in glue!
This is how I feel with blinking everything at the mo. Just received a 'you are being sent to court re council tax, send £900 immeadiately to avoid'. I'm a month behind. The tax credits twonks are saying they are taking me to court for £3,500 for overpayment, cept I do not claim or haven't received tax credits for over 4…
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DMP restrictions
When you are on a dmp can you or have you had spare cash for holidays and things by saving up for them or is there any restrictions that say you cant. :confused: sorry if this is a silly question
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hELP WITH BAILLIFS
Please help, i have a old council tax bill thats gone to court and then to a bailliff company which i didnt know had happend and they now would like payments, i have just phoned up offering £100 a month which i can afford but they want £272 is there anything i can do ... as if i dont pay that they will be on my…
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Woo Hoo!
Just cleared my overdraft and am in credit when being paid for the first time in 7 years!! This site has helped me so much! I don't keep an official diary onhere but as you can see from my sig, when I started here and had my LBM back in July I had £14,000 of debt. With the help of techniques of this site and the support of…
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Old Debt
Does anyone know about the '10 year rule' with regard to old debt? I have recently been contacted by a debt collection agency with regard to a debt from 1995. I have been told by a few people that I shouldn't have to pay this as it is over 10 years old. When i put this to the company, they argue that they got a CCJ against…
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Payplan & CCCS
Hi! Would you all be so kind to be put a step by step guide on exactly how payplan and cccs work? Im new to the both of these so if you can make it as idiot proof as possible! Even if you could put your own experiences of using these. Thankyou!
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28.9.07 what small dfw thing will you do or have you done today?
Good Morning fellow DFW Peeps and welcome old timers and newbies alike :hello: Welcome and TGI Friday !!!!! :cool: When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the…
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Thank you all for the tips/techniques on saving
I just want to say thank you to all of you who have inspired me to save to acheive my goals. I came here a while back trying to figure out a way to cut back my expenses. I have no debts but wasn't saving enough, and I wanted to pay for an MBA. My bank did not want to give me a loan because apparently I did not have enough…
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Need some advice
Hi I need some advice on how to manage my money. I always seem to be left with nothing and end up back in my overdraft within a week of being paid, if i could just get out of it i would probably be fine. My SOA is - Monthly incomings Salary - £1,026.12 Monthly outgoings - Rent - £160 a month - still living at home, no way…
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why do I always bury my head in the sand?!
Hi guys, I have once again got myself into a stressful panic, basically all because I didn't get on and do anything. I filed a court claim against barclaycard months ago, to reclaim charges, I received a form to fill in and send back within 7 days of the case management conference which they set for 4th Oct. I was all…
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Cccs Csa Ebay Paypal
Hi to anyone reading this ( if anyone is ;) ) About to enter a relationship with the CCCS and read in the forums that they do checks everyso often on your spenditure My ex wife receives monthly payment from me for keeping my son from me ( crazy world !! ) as I would rather not go thru the CSA Does anyone Know how do the…
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Natwest debt collection forced lightbulb moment!
Hello everyone. My name is matt, i'm a student at plymouth university and i have debts (not including student loans) of £4100. My SOA is not so good, and i just wanted to tell someone. I had a lovely phone call from a not-to-articulate chap from natwest this evening asking me to give him £1250 (the amount i'm overdrawn…
