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How much do you live on?????
I know some of you do the £4000 a year challenge but I find that a very difficult challenge (I spend about that on groceries per year:eek:) but a very inspiring thread :T I don't mean earnings etc I'm not that nosey ;) just how much you live on after the mortgage/rent is paid. How much do you manage to live on?
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How much do you live on?????
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Rock and a hard place
Hello to one and all. I need help. In my younger years, I, like most, decided to spend lots of money that I had borrowed and not pay it back!!! Now, I am still trying to pay off three creditors. Things have been getting bad, and I have not helped recently. I have not paid any of them since 07/08 and now they are getting…
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get out of my debt!
I am probably about $7,000 in debt. I have a lot of things in collections at the current time. I getting about 6,100 back in taxes. Most of them are utility companies which totals out to about $1,070.00 which I'm planning to pay off when I get my taxes back. But I also have two payday loans from 4 years ago which god knows…
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Ashamed. Time to face up to things.
Hello all I'm a new poster here and having got myself into an awful mess I feel like it's time to be a bit more public about the mess I've got into, in the hope that it might be cathartic in some way. I've had a serious gambling problem for 7-8 years, becoming far more serious in the last 2-3 years when the amounts…
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Fed up, P*ssed off, why do i bother working?
I have not received any money at all for work done for nearly 7 weeks:eek: I am broke - barely a penny to my name and i have to feed a family of 4, buy petrol for work and pay the bills. I am soooooooo mad. I checked my bank account today to see if some monies owed had gone in via bacs (on a thursday only from a specific…
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Finally quit fee charging DMP!!!
Firstly thankyou to everyone who has given me advice on here, i sent the letter saying i wouldnt need spectrums services anymore [ saving 17.63 a month in admin charges] and creditors have agreed to new payment plan. I was just wondering if i should stop paying link DCA until they give me my cca [ requested 8th jan]…
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My Soa Not Pretty Reading!
I've posted this about a year ago and things havent got much better apart from the fact that we did have £15K worth od debt but thats been reduced to £5K thanks to a family member, but we are no better off. Income: My pay £800 Partners pay: £320 Child Benefit £130 Tax Credits £336 Total = £1586 Outgoings Rent £480 Shopping…
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Debt free....but now racked up a new £8K debt.
So. I was really good. I did everything by the book. I paid off my loan. I paid off my credit card. I even saved enough money to buy my car outright. Then I split with my boyfriend, moved out of our house, lost my job (which lead to three months of unemployment - hence the major debt) and had a car crash all in the same…
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Certified baliff or not
hey guys n girls, how do i check if a baliff is certified. Had one turn up today and he didnt even speak english, he did however hit me for an aditional £200 for missing a payment and them having to come out. Funny thing is payment isnt due for another 12 days....` is a debt being handled by bristow and sutor for unpaid…
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MBNA Credit Card - Partial Settlement Agreement
I recently agreed with MBNA to make 3 x £500 payments against an outstanding debt of roughly £3k (i.e. 50% repayment approx.) The letter i got from them basically says the above deal is a partial settlement, but that they will not take action to recover the remainder. I have asked them for confirmation in the final letter…
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DFW's money saving tips....
I really need to get serious and cut back on my spending and just buy "needs" rather than "wants" ;) I couldn't find an existing thread of all the DFW's money saving tips on here so thought I'd ask you all to post your tips and things you have learned so I can learn from you.... I like the idea of NSD's in principle but,…
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Nights out on a budget
How do you manage it? I have £30 a week pure spending money! And I've been lucky recently that most events have been getting together at people's houses, or that i have had nothing for one or two weeks before so I can save up budget for the week i have something planned (this is the theory of course)! However, there's a…
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Letter from 1st Credit help please
Hi There, Ok recieved another letter today from first credit refering to this thread http://forums.moneysavingexpert.com/showthread.html?p=18300421&posted=1#post18300421 I sent them a letter back say that they had not sent me a full agreement and that the signatures are questionable, well here is the letter I got in reply…
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Mecca Bingo £1
I played Mecca Bingo ages ago, when it was free, and this morning I got an e-mail saying that they had put £1 in my account because I hadn't played for a while. so, I decided to play through it and won about £5. Only problem is, their minimum withdrawl amount is £10 Luckily, I had enough in my bank so I popped some money…
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spoken to cccs and no solutions - what next?
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IVA or Debt Management Plan, then which one?!
I decided to take stock of my debts about 10 days ago and was really shocked to see that my 3 credit cards, 1 loan, overdraft and student loans all added up to almost £24.5K. I decided to call PayPlan and I had my consultation with them at the beginning of this week. Basically, the advisor told me I only have two options:…
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Wage Advance Loan
Hello, After Christmas I was very hard up for money and stupidly decided to take out a payday advance loan with a company called 1MonthLoan (also known as Oasis Financial Services). I signed the electronic agreement on the 15th January for a loan of £150, and I needed to pay back the loan + an additional 30% (£45) on my…
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Fermie or Ras Help please
Sorry I need your help again I had a letter yesterday from a collection company telling me I owed 1023.00 for a personal loan, Now I do not know who the company are at all. I called the number and asked what was this for? they said a car loan,mmm I replied when was this? she said oh some years ago. NoW I have had my to…
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Question re creditor on DMP
Hi all I am currently into my 5th month of my DMP with Payplan. Time has flown by and I have managed to pay £1117 towards my debt, god only knows what the interest and charges have put it back up to though! With the majority of my creditors I have been very fortunate in that they have frozen interest for anything between 6…
