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27.11.07 - What DFW thing have you done this weekend?
Things for today: Working from home so at least £4 saved getting a return ticket to work. Helped my dad buy a tyre from a tyre warehouse so saved him money. Used £3 in coupons off my shopping in Mr T's. :D Found a flyer with a 25p off coupon. Found 9 till receipts with between 1-3 points - not lots but every little helps.…
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eBay on Thursday 29th November
Just thought you might like to know that if you want to sell on eBay, they have a 10p listing day on Thursday if you have paypal as a payment method. :beer:
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Moving into new flat on Saturday - help with Budget?
Hey guys, I'm moving into a second floor flat on Saturday morning with my darling other half. I've lived by myself before but for various reasons moved back with my Mum. I've got pretty much all that I need apart from basics like bin for bathroom and living room and the like. All cheap stuff which I'll get from the pound…
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Help re card payment - taken wrong amount
Wife has just phoned up to pay £19 car insurance on debit card. Insurance company took full amount of £150 instead and then claim ther is nothing they can do HELP - what can i / should i do ?
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What should i do now ??
Hi all im a newbie to this forum and am hoping for some good advice i'll start with the first question and end with the last ,funny enough I am down to my last debt of 750 pounds taken me a while to get here but made it (original debt 6'700 pounds) , now more problems lie ahead as my credit rating is really really bad i…
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Im Starting In Jan 2008!!!!
Im not one for usually making New Year resolutions but this one has really spurred me on. I am not hugely in debt compared to others on this site, but it still worries me. Im only 24, my wife 21 and we have two children. I live in an army subsidised house too. The problem is is that we are rather young and were rather…
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Natwest legal department.?
anyone have dealings with them? after a few years on a dmp Natwest are no longer excepting my monthly payments of £200 on a ballence of £27000 and want £500 a month, they want me to borrow againts my property which im not happy to do and my wife isnt happy to do this and she's the joint owner, i also owe about another…
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IVA/Bankruptcy and Working Tax Credit
Afternoon all Have just discovered that my partner and I are entitled to Working Tax Credit, WOO-HOO! Would my IVA company be able to take some of it? What would happen to that benefit, and any other benefits, if I went bankrupt?
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Debt Consolidation Loans??
What are peoples opinions on Debt consolidation loans. I've posted my SOA last week and I think I've worked out a budget to pay off my debts. I'm currently trying to pay off my credit card by April (now on about £1520) but after that I am left with a HSBC loan of about 7.5k and an egg loan of 3.5k. I can make overpayments…
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How easy is it to organise your finances?
Hi guys I'm new to the site and this is my first post, i just wanted to ask those who were'nt previously organised with their finances and have managed to change... Did you find it easy to change your whole way of thinking/working when it came to your finances? I am really struggling to find the motivation to sort out my…
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Time to change I think
Hi guys I've been a regular viewer of this forum but haven't posted before. The reason I am doing so now is because I would appreciate some opinions on my situation if that's ok? (I'm actually really nervous to be posting :o ). I work for a well known debt counselling charity but typically am better at helping other people…
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Quick C.Card Q...
hey guys... quick question... I'm on electoral roll, addresses are up-to-date, have been paying everything on time for well over a year now and never had debts before then, and the credit card is nearly gone! yay! So why is my credit rating so blinking awful??? I had a sketchy 6 months back before my LBM (over a year ago)…
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An absolute financial nightmare, I can't believe it
Over five years ago I made myself bankrupt (I had all the debts in my name even though a lot of them were actually my boyfriends and I was able to clear us completely) and although it was very hard, I have never felt such a sense of relief when it was done. I had seriously considered suicide so you can imagine the weight…
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telephone / TV and t'internet - how to reduce costs?
Hi All, NOt sure if this is the correct forum to post in but asitswhere i ussually post i thought id start here. Anyone know of any links to good comparison sites for broadband / telephone and TV packages. At the mo i pay ( monthly) £38 for SKY made up of sky sports and six entertainment mixes. £20 for Virgin Media 2 for…
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It's time to make a change.
Hello everybody, I'm new to posting here, but have been lurking on and off for about 6 months now. I've picked up some great tips form the many informative posts, but more than that, I've read some wonderfully inspirational posts from people dealing with their debt problems and I thought it was about time I stopped…
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NHS Back Pay
Hi All, the NHS brought in a new pay scheme which meant all staff doing the same job would get the same pay no matter were they worked. I am still awaiting my "banding" into a pay bracket and when I do finally get this my pay will be backdated to October 2004!!! Is it unreasonable to expect interest on my back pay as it is…
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NHS Back Pay
Hi All, the NHS brought in a new pay scheme which meant all staff doing the same job would get the same pay no matter were they worked. I am still awaiting my "banding" into a pay bracket and when I do finally get this my pay will be backdated to October 2004!!! Is it unreasonable to expect interest on my back pay as it is…
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surveys
some of u i have noticed do surveys what sites do u recommend
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Forum Bugs
Something weird going on? I made a post earlier, view it (it appeared at the bottom of the thread). Now it's gone. I tried to post on another thread. Pressed SUBMIT, and got an error message telling me it was an invalid thread. Clicked on my name to view my profile, and got taken to the profile of Falalady...
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Dealing with Debt and Depression.
Hi. As many of you will know I am currently suffering from Stress and Depression (I don't do things by halfs!) And I have notice the seemingly large number of other DFW's who have/are suffering. Personally I need a support network and you guys are really important. While I was chatting to my Dr he mentioned that people…
