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Right I've got to cut down on the luxuries again
Since I got a lodger. All the little luxuries (mostly coffee bar coffees and snacks) and bought lunches have crept back into my expenditure. Slapped wrists all round. I have now admitted defeat and at least for the time being admitted that I can't live with someone else without going nuts (it didn't help that the person…
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Debt Arrangement Scheme in scotland
Hi can anyone give me some pros and especially some cons with regards to starting a debt arrangement scheme please? I have just spoken to an advisor in my local council about it and she said that the bank and my mortgage company will have tyo be told about our debt, i was wondering if this will cause me any problems? Would…
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In Debt & needing some support
Hi, I have been loitering on the forum for a while now but have never posted. I am in debt to the tune of £11,039.78 :eek: which consists of three credit cards and a couple of catalogue accounts. I'm not really sure where this mess all started but to cut a long story short. I split from my fiance about 10 months ago (we…
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Roxy7699's debt free wannabe diary
Ive dabbled in this website for a while, but have completely fallen off the saving money / reducing debt wagon and need to jump back on. Im currently in an IVA coming up to its second year, have just found myself spending far more than I should, owe a bit of money to a couple of people and buried my head in the sand! So…
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PREVENTION-diagnosis on Tues(1st) of brain tumour - How to ACT now? Mortgage/Debt?
Hi there, My mother has not been feeling well and after a consult with her GP and a trip to the TIA clinic which produced inclusive results and a recommendation for an MRI scan. The MRI is scheduled for next Tuesday (1st July) and the possibilities range from the radiologist finding nothing to something very serious. (aka…
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Need to do a bit of a Keren...
But not a complete one. I feel like I am spending far to much time on here, to the detriment of my 'real' life. I love you all so much and I have some wonderful friends here so I have no intention of going completely, but I feel like I need to post less. Especially during the day as I really should be getting some work…
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Pap/Moozie's What have/will you spend Wednesday 25th June??
Afternoon folks!!:p Hope you are all having a great day. Well I'm not doing very well:o trying for a NSD, but then I saw Kwikfit are re-gassing air con for £45 & mine has just given up. So I went & had that done although, I got them to price match £40;) ( a mechanic I had 2 years ago, who's number I lost - didn't tell them…
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Best Credit card deals for the S.E.
I'm trying to get my finances in order and I realise that I may have to do a balance transfer, since I've only got the one credit card I will have to apply for another. My worry is that I won't get the best deals because I am self employed and am not a high earner. Applying for cards has an effect on your credit rating so…
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What percentage for Full & Final Settlement
Hi, I wanted to make an F&F offer to some of my smaller creditors to settle my debts with them. Was just wondering what percentage is the norm that would be accepted? I was in an IVA but that's gone *£$% up with a change of circumstances so their alternative would be about 20% from the IVA. Any help would be greatly…
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Themaccas Are.......debtfree!!!!!!!!!!!
Yes I can hardly believe it. 2 years and 5 months later after a sh*&load of debt, we have paid back every last penny:T :T :T :T :T :T :T :T I started my debtfree journey in January 2006 having just come back from wintersales shopping. I saw our shopping bags piled high and just had a lightbulb moment:o I realised that all…
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Global Credit Management
Has anyone any idea's on how to get rid of these morons?? I only have a bit of debt now and having got rid of the debt / hassled the creditors / DCA's myself for the last 3 years I'm not looking forward to doing an IVA for £13k !!! 8 days now they have called and I've been polite on 3 occassions, downright rude and…
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Grrrr
A few weeks ago I had a letter from the DCA dealing with an old overdraft saying they weren't going to chase it anymore. So I thought it was over with. Nope, today I've got a letter from a different DCA asking for it. I really wish I'd gone bankrupt a year ago when CAB told me to, now I can't.
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Starting from point 1 again. Our diary.
Right we joined MSE in Oct 2006 as we were wanting to get debt free and save for our first house. We managed this no problem which everyone’s help in June 2007. Now 1 year later we are back in debt, my partner has lost his job and we are getting married next year and also will need a new mortgage deal! So this is going to…
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to be debt free?
OKay all you focussed people out there. Just finished self-employment with a £6K debt on cards.....don't ask. I have cut back taken out every possible extra not required which is not easy 4 kids etc., I am starting a new job with a bank in July and have £5K on 1 card and £1 ish K on another. Give me a starter for 10? I am…
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Had Enough...Am Gonna Rob a Bank (only joking)!!!
hi Up to July 07 I was unemployed and so had my rent and council tax paid, then I returned to work and had my wages topped up with WTC, at this point the CSA kicked in and I was having there money taken at source from my wages. I couldnt manage as I was diagnosed with acute depression and have fallen behind with every bill…
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Debt management... recommended or not?
Hi guys, never really posted much on this board before, but I just wanted your opinions on debt management. We have £15,000 of debt, spread out over various credit cards and a loan, and then we have another £15,000 which my husbands parents paid off for us, so we pay them back £250 a month... So that is a total of £30K.…
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£304.71 to last the month
Well, I have just depressed myself totally and worked out my finances for the month, after paying all my bills/mortgage/loans and credit card payments I have the grand sum of £304.71 left which is for groceries/entertainment/unexpected expenses. I know this is by no means a desperate situation to be in but I just feel…
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What would you do?
Just after some opinions really, no wrong or right answer. We have the chance of getting a springer spaniel puppy :D from a family friend. The dilemma is its going to cost us £200, I think this is a good price though. So weighing up the pros and cons I am undecided. My heart is telling me to do it though lol. Pros - We…
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My best friends money worries and my reply....
Do you think i am MSE on the brain, i think so! My lovely pal emailed me, i'd been hounding him for weeks as he was distant and uncommunicative and i was worried he wasn't speaking to me. Anyhow i got an email from him, telling me he was worried about money, borrowing from DD's account to get by at end of each month, and…
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Does anyone else feel like they need a change?
Hi Guys. I have had a bit of a rough time recently. But I really feel like I need a huge change in my life to celebrate teh decisions I have made and I was wondering if anyone else felt the same. I don't know if it's the time of year or what, but I really what to make a fresh start and was wondering if anyone fancied…
