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Cheap living alternative lifestyle
I had of an epiphany a couple of years ago, while stuck in traffic on the daily 2 hour drive to work i thought why am i doing this just to put food on the table everyday, there has to be another way. So the wife and me sat down with a pen an paper and started to write down where all our money goes. We've always been…
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MSE Molly's No-Spend October diary - here's what happened
Hello there Forumites! I have a lot of you to thank for this blog based on your support from the No Spend October blog (especially cathybird for letting me join in!). I'd love to hear your thoughts below! I challenged myself to spend NOTHING for half a month - here’s what happened When was the last time you had a day where…
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20p Savers Club 2019
Hello and Welcome to the brand new shiny 20p Savers Club 2019 This thread runs similar to its sister thread the £2 Savers Club; there are no rules as such and you can join at any time of the year. The main aim is to have fun and pop in occasionally to post how you're getting on. Should you wish to join, feel free to pm me…
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Debts written off
Hi All, Back in 2015/16 I applied for a credit card with a limit of £9100. I already had unsecure debts of over £17000 and a mortgage. I got into a vicious circle of getting loans to pay off other loans. I took out a £15000 loan with HSBC to pay off debts but it didn't work. I then took out a £25000 loan with a bank…
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Help: from DMP to F&F
Hi everyone Before I get into my problem, let me say what an amazing lot you all are, helping each other. I’ve been on a DMP with SC for about 3 years and can’t recommend them enough. I’m still on a DMP with them and I recently made a girlfriend who is willing to help me pay my debts with some of her savings. Although she…
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I need help and quick
I have an interest only mortgage that i have not been able to pay for the last few months as I'm broke i have not paid council tax for a year due to debt problems plus must owe HMRC £15k as I've not submitted a tax return for a few years. A loan from about five years ago with Nat West has been passed on to a company called…
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Outstanding October's NSD Challenge
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to try and achieve during the month of October. To join, just post your personal target and you are on your way. Tips for the challenge; 1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like…
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LOWELL Sky Debt HELP!
Hello, I am seeking some advice. I have been attempting to build my credit history with a view to applying for a mortgage in 2020. I have received a letter from Lowell Financial requesting that I set a payment plan up for a Sky debt totaling £116.81. The Sky account number was provided. The debt is several years old and…
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Make £10 A Day October £2019
Hello and welcome everybody :hello: This is the 146th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began.…
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Nst october
NINJA SAVINGS TURTLES OCTOBER Game of Thrones Welcome to the final quarter of 2019 (the last 90 days sounds too apocalyptical). Time to pause and think about where you want to be now, in the next few months and going forward into 2020. AS we all know, the perfect time to do something never comes. Stop waiting ... for the…
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£0.50p Savers Club 2019
Hey all, Continuing on from last years challenge we will be running the £0.50p savers again in 2019. Link to last years thread - https://forums.moneysavingexpert.com/discussion/5767122/0-50p-savers-2018 If you would like to join in let me know. I am adding my own reason in for saving these £0.50p's so you can feel free to…
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48k credit card debt
Thanks for posting guys, really interesting stuff. My personal position is I have 48k credit card debt after years of struggling with a gambling issue. I've now got a handle on this although always vigilant but I'm wondering if there is a better way to handle the debt legacy. The basics are I have 48k credit card debt and…
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October's Lunch To Work
Welcome to October's bring your lunch to work. Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and we're always up for inspiration and a challenge There are 21 working days up for grabs. Let me know if you want to join in and I'll add you to the list on the next…
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Please help with ccj
Hi all I was wondering if someone would be kind of to help me I've been drowning in debt for a while and never been man enough to face it. Finally I've accepted I need help and I'm working with step change I've been issues a ccj for an unspecified amount as its awaiting solicitors fee. Its currently up to 3k with…
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Splendid September's NSD's challange
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of July. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1. Decide…
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NST September - A Simple September
NST: September 2019 A Simple September I always find September a bit like the New Year. The kids are going back to school, routines are getting back to normal, the house needs a really good clean after the holidays and I need to get back on top of everything again. With indulgent times looming later in the year for those…
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Make £10 A Day September 2019
Hello and welcome everybody :hello: This is the 145th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began.…
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Settlement Offers
Advice welcome I’ve been in a Debt Management plan for approx 8 years with a company which l paid a fee to every month. It worked well at the time them dealing with my debt mess but l have come out of it a few months ago. I have some money that l was hoping to use to partially settle the debts so I’ve been dealing with my…
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Advice needed about debt consolidation loans
Good afternoon , this is my first post so I’m pretty new to all of this , I am after some structure advice . Basically I have gathered quite a large amount of debt falling into the pay day loans and credit cards . My total debt is around £12,000 , £5000 of which is credit card which I have agreed with my bank to pay low…
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Awesome August's NSD challange.
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of July. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1. Decide…
