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App to help manage Debt
Hi All, Looking for some suggestions. I would like an app that displays all my different accounts which I am making payments to. Loans, credit cards etc, so I can track how many payments are left and the balance left. Also be able to see my total debt remaining to pay. Currently use a spreadsheet for this but thought an…
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Determined to get rid of my debt ASAP!
Hi all. After having a look on Martin's blog pages on the subject I would love to have the forums input and advice for the situation I find myself in! My current debt stands at £4,701.91, which is made up of mostly payday loans, a couple of mobile phone contracts (defaulted) and credit cards. All of which I have agreements…
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In Debt & Determined to get out!
Hi All, I'm fairly new to this forum but I've become inspired by reading through all the posts I see on here. I feel grateful that other people have shared their situation so I've decided to return the favour and do mine. I will keep a diary post everyday to let people know what I'm up to, how I'm coping with my debt and…
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Personal Debt advisor/counsellor
Hi, hoping for some help please? We are a happily married couple but one half of us not only earns a lot of money but spends it all plus more too. This is a chronic problem and one that causes us a great deal of stress. I am looking to have an objective person help us, in much the same way as a relationship counsellor…
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IVA and inheritance
Hi hope you can advise, i have 2 years left of an iva ( £62000) and paying £200 per month. I have a immenanet inheritance 2-3 months away and due to recieve £100K - will i have to pay £62000 back or is there a way this can be avoided- especaily as today i do not have that money- can I ask for an early settlement before i…
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Energy usage/bills
Hi all Been trying to get our energy bills down for a while, slowly but surely all the little things are adding up. Well for the electricity anyway. But gas, not so much. It appears that our usage is always higher that the estimate on the bill. Bearing in mind it's still summer (OK, maybe not summer, but it is at least…
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Help Please JC International LLC
Hi Guys, Looking for some advise for my mother, she recently received a letter from JC International Acquisition LLC in regards to an outstanding payment from Talk Talk from years back. basically talk Talk carried out some work as my mother was getting no internet access and they'd said if they fault was inside the house…
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Finally Took My Head Out Of The Sand......
......It's been buried in there for a long time!! Hi everyone, first post here so quick introduction before all of my questions!! I am married and a mom to 2 boys (and 5 rabbits!) I've known for a while my spending and debts were going a little crazy but I've tried to ignore it and just pay the minimum for all my bills. I…
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£75k unsecured debt and own flat (ex local authority) worth £150k
Hi All, Just need some advice really, the situation I'm in is the following. I currently owe, Lloyds bank £33k unsecured loan/overdraft NatWest £14k unsecured loan Other credit cards to the sum of £25k Tesco bank loan £2k Family £50k Total = £120k Ok so I was employed full time hours were reduced to half about 10 months…
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Debt payment order advice
Hi all, I have several debts of varying amounts, from £250 to £6,000 with different creditors. I am currently paying them all back a small amount due to job change, however as of next month I can pay off more per month. What would people recommend, start from the lowest and get rid of them quickly within a few months? Or…
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What small DFW things will you do this week? wk comm 3rd October
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, when…
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Can you recommend a budget app?
Can you recommend another budget app than YNBA? I just find YNBA too fiddly? Any free ones you can recommend? Thank you v much
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Ground rent service charge Bonds Dickinson
Need a bit of advice please Recently missed a £159 monthly payment for my service&aground rent I phoned to pay it to OM property services and they said I now couldn't as it was over 7 days old and has been passed to bonds Dickinson Bonds now want the rest of the entire years payment of £1091 including £75 charged by them…
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All debt at 0% - Do I make extra payments or save it?
Hi all, I currently have a total debt of just under £42,000, all on credit cards. Over the past few months, I've been offered numerous balance transfer deals which in short means that every single penny I owe is currently at 0%. The first deal which expires will be on 1st June, so I have about 7-8 months until I need to…
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Need advise please
Hi well here I go . My husband and I are in debt of 43,000 and cannot believe the state we r in. I feel totally embarrassed. I could look over if we lived a big lavish lifestyle or had brand new cars . Just one thing after another we were silly with money. My husband is in a good job and we r able to pay our bills but have…
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Minimum bar spend not met
I recently organised a school reunion. The initial response I got was very positive therefore chose a venue fitting for the purpose. The venue had a £2,000 minimum spend policy and based on my responses and acceptances, I wasn't too concerned. However, only a small fraction of guests turned out and at the end we didn't…
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Groceries more expensive in London?!
I posted a question on the food forum this morning but no replies so thought I'd ask you lovely lot :D My daughter is relocating to west London, probably Richmond and as an avid reader here and watching the pennies, we wondered is food much more expensive to buy ? For example, our local Aldi has the super 6 at 59p. Just…
