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help a financial osterich in trouble!
Basically I never look at my bank statements or balance and I've really suffered from it now! A few months ago, my girlfriend and I moved into a flat together and we went a little overboard with the spending. I assumed that we had the money available for it, however, I was wrong and when the dust settled I realised I'm in…
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8.11.07 - What DFW thing have you done today?
Hi, Normally Hypno06 starts this thread but I couldn't find it. Feel free to merge if I have overlooked it. ;) Things for today (so far): Charged mobile at work as I never get round to charging it at home. Done my 1 piggy click Going to do my rpoint clicks - DONE Got 3 x free Kodak kiosk photo vouchers from Boots AC…
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Advice please
On 4th April this year I went bankrupt with approximately 38k of debt. I was allowed to keep my car for which I had taken out a hire purchase loan I had around 22 payments to make of £227 a month- I also still retained my student loan of which I was making £100 as a token payment through the bankruptcy though now they are…
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help again
hi i thaught i sorted everything out when i posted last and i thank everyone for there help.. thing is i owe about £550 to argos in debt and i know it was a stupid move and i have cut up the card im 19 year old apprentice working on below minimum wage. thing is they are adding 11 pounds interest on the money i owe a month…
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Quidco
OMG what a great day i'm having, have cut my car insurance by half and by going through quidco got £95 cash back so ins for year cost £90 compared to renewal from more than 335.00! Was on a roll then did the Gala bingo offer deposit £10 get £30 cash back, couldn't really lose could I? no I won £90:j So by putting £10 down…
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Anyone use Cow & Gate Step-Up or Growing Up milk???
I've got some vouchers for £1 off Cow & Gate Step-up 900g EaZypack (9 of) and £1 off Cow & Gate Growing Up milk 4x500ml packs (14 of) Both expire on 31/12/07 and can only be used in Sainsburys, but are free to good homes if anyone wants them...... Cheers Sarah x
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dmp
Hi all can i just ask if you go on a dmp how long does it last and can you not get any more credit until you come off it?
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Please help me
Hi my name is libby, 4 years ago my husband purchased a bike on hp for our son, it was £2000 , alas my husband got cancer, we are reduced to living on disability benefits, for 3 years Black horse accepted reduced payments of £100 a month, which we never failed to pay, but in doing this our interest went up, we have now…
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Daily chat thread Friday (woo!) 9th Nov.
Hurraaaaaaaaaaay it's friday!!!!!!!!!!! :beer: :j :beer: How's everyone doing today? I'm great.. K's cut her first tooth totally by suprise... and tc have paid us an extra £95 because I updated that I'd started my sat job earlier in the week.... plus I got my first pay packet!!! wooo I'm employed again!!! feels good to be…
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What will you spend, Friday 9th November.
Morning all . Should be a NS Friday, but I haven't left the house yet :rolleyes:. Hope everyone has a really fantastic day :)
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I think that this is the Right Thing
Hi Guys As many of you will probably know I have really beem struggling recently. Not so much with my debt but with my personal life, I can't seem to shake this feeling of being a failure. I have my money situation under control, there is still room for improvement, but things are getting there. The only problem is that…
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Happy Birthday Hyno!
Hope you have a wonderful Birthday today Hypno! :beer: :beer: :beer: :beer: :beer: :beer:
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HFO Flexible??
Greetings All I am now at what seems the final leg of my debt reduction an clearing and have just one amount left......£3284. This debt was orriginally with Barclaycard and now is in the hands of HFO services. What i was wondering is are they the sort of company that I would be able to try and get them to accept a full and…
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HELP! Have to get a £8k loan
Hello, I am in a situation where I have to get hold of £8000. I earn £35k and have about £12k of unsecured debt but I was going to get a mortgage recently so had a few seraches on my already not perfect credit file. I will be able to pay off the loan with my salary which is going to be boosted by a new lodger PLUS I am…
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anyone intrested in this challenge?
That when you go food shopping you by the own brand makes as much as you can, as i know some people dont like say tesco own toothpaste or toilet roll? Or Aldi's cheapest spagetti hoops? You get my drift. Iam up for it, Think it would be intresteing to see how much we would save if we were shopping the way we noramly do…
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Happy Birthday Hypno!!!
OK, so i know it's not midnight yet, but i'm off to bed in a mo, so I wanted to start a _party_ _party_ :dance: :dance: _party_ _party_ :bdaycake: :happyhear _party_ _party_ HAPPY BIRTHDAY HYPNO!!!! thread. I'm sure I speak for everyone when I say that you are one of the most inspirational people on these ere boards, the…
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Bricks and Mortar or Rent and Save
This is not a house-price thread. My own personal bubble is about to burst. Just a thought..... Why do we in this country cling to the idea that wealth must be based upon bricks and mortar - to the point of struggling to make the mortgage, secured loans, credit card debts, loans, etc, etc? I have a decent salary, (one…
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Opened letter for ex - help
Hello all Hope you can offer a bit of advice and help Today I got home , There were 3 letters , I opened all 3, but 1 was for the Ex , I didn’t read the names The one for the Ex is from a DCA (Scotcall debt collecting services) I read the letter before I realised it wasn’t for me, I usually just text her and say there’s a…
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where is the...
old style board? im looking for the smart price food challenge but cant find it and also cant find the old style board either. Thanks in advance
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first time so be kind lol
hi people this has been a long time coming, i am starting to wake up to the fact that i am a "man" who's failed at running a home, never got any money, two overdrafts, one credit card, lie to my self about money, hide overdrawn letters, to scared to check bank balances, never read bank statements / credit card statements,…
