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Am I doing the right thing?
:rolleyes: Hi everyone, I am new :j My husband and I are in a reasonable amount of debt and I am trying to dig ourselves out of the hole we are in. It's quite embarassing really because we both work full time and we own our house outright (no mortgage or rent so I don't know how we have got in this mess - or rather, I do,…
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New DFW- Credit Card Advice
Right, finally decided to get my overdraft and credit cards paid off. Has been an expensive last year with me spending money on doing the house up, treating myself to a few holidays and paying the household bills whilst my girlfriend gets qualified (qualifies FEb) for her new career. Anyways, I've been through all bills…
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What to do, all advise welcome.
Ok, Got a letter from Helifax about my overdraft review. They are increasing it to £700 as of the 12th December. I was after just having O/D removed around Feb time, but am now thinking of using £500 of the O/D facility to pay towards my CC. My CC is with Vanquis so its exceptionally high interest. and I am sure my O/D…
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Anyone got a good link for a spreadsheet?
Want something i can put all my bills etc into to keep a track of spending each month-anyone got a good link-thanks
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Quick (I hope) Question
If I have an outstanding debt which whilst it is mine it is not my fault it is an error on the part of the company I owe it to which neither of us realised until now. Am I entitled to pay by installments at a rate set by me - ie that I can afford, or a rate set by them which will mean baked beans featuring in my diet a lot…
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Need some advise urgently
I am in serious debt and dont know what to do first ! Income is 2,000 per month Household bills 1500 per month ( including mortgage on a fixed rate interest only) Credit cards 815 per month ( this is with 5 credit cards all finished there 0% interest so being charge huge interest amounts now, cant get a new 0% card) Now i…
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Friday 28/11/08 What small dfw things have you done today???
:D 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 gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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**Daily chat thread* 28th Nov - ANYONE WELCOME
come on in, come on in......we need some new blood to [STRIKE]pick on[/STRIKE] welcome to the fold....... If you normally only lurk why don't you just post on here. You can talk about anything, we are a friendly bunch and love meeting new people.... I am off to work in a bit.....
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to much details
ps owe 50.000 have to go down debt management is payplan good or bad had calls with private companys dont like charges is it best to stick to afree one thanks
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help brain about to explode
hi here goes i owe 50.000 ponds three creditors Lloyds tsb and nationwide story goes bought property in bulgaria august 2007 paid 20.000 deposit and agreed bulgarian mortage for 40.000december because of america bulgarian bank declines mortage panic sets in lose 20000 or try to raises funds borrow on the same day jan 46000…
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The 'pre-budget' report- what did you make of it?
Alistair Darling outlined his prebudget report on Monday, what did you make of it? Did you favor it? What were your honest views of it? Did Labour do bad making silly decisions? could they have made the budget choices better? Did you favor it? - if not, why? share your views.
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Is Anyone Else Going to have a No Presents Christmas?
Because my husband has just lost his job and our priority is the mortgage and all the bills, we have agreed as a family not to buy any presents at all. Neither will we have decorations, a tree or anything else. We will have a Christmas dinner but that's all. It seems ridiculous to me to spend money that we have not got…
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debt causing mental ill health
Hi there I was about to post this when I saw Martins thread. I hope its understood that this one is different. Like many people I am terrified in these credit "crunch" times of losing my job. My employer has a board meetin in the spring when they will look at out turns for 2009 10. They have to give projections for between…
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Reporting a DCA
Please can someone help me compose a letter. One of my creditors is egg cc, whose debt has been taken on by Collect Direct. I have written to all my creditors to let them know that I was contacting debt management companies, but changed my phone number due to constant harrassment. Today, my neighbour called round to say…
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HELP with HSBC
Hi, guys, Not sure if this is the right place to post this but i need help. To cut along story short, my girlfriend lost her job 2 years ago, as her company went bust, so she last a whole months wages. We went £1900 overdrawn with HSBC, things got worse and 2 other account went overdrawn as we tried to make ends meet. In…
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HELP with HSBC
Hi, guys, Not sure if this is the right place to post this but i need help. To cut along story short, my girlfriend lost her job 2 years ago, as her company went bust, so she last a whole months wages. We went £1900 overdrawn with HSBC, things got worse and 2 other account went overdrawn as we tried to make ends meet. In…
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New here - hi
Hello, i joined a while ago but yesterday and today has been the first time i have properly looked around and to be honest, don't really know where to start! I don't at this point want to share my outgoings and ingoings, i probably will once i am settled here. (Hope thats ok) But basically, i need to earn more money as at…
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MBNA are they for real???
Hi Everyone, I have been on a DMP, with payplan for the past 6 months and at present everything seems to be going fine with most of my creditors, and most in the short term have agreed to reduced payments and frozen the interest. However, MBNA my biggest creditor are im sure not on the same planet as the rest of the world,…
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scratchcard? HELP
Hello there, i am new to posting here and have been looking at the earn £10 a day threads. Alot of ppl mention money from scratchcards or something? Is that online and please may someone give me some info about it? Thanks Shelley
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Make £10 a day - December challenge
Make £10 a day December challenge Hello to all newbies & regulars and welcome to another Make £10 a day challenge Batgirl started this challenge over a year ago and is now taking a well deserved break. If you're new to the challenge don't be scared - here's how it works: The aim of this challenge is to make £10 extra a day…
