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Budget ideas
Hello, Does anyone have a simple budget form for me and my girlfriend to follow? We are both in good job averaging about £50,000 per year but we seem to have no money. Both pay for loans and cars etc. Can anyone help? Many Thanks
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October 2014 ~Make £10 a day challenge~ everyone is welcome
This is the 86th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir and of course special thanks to Aesop for keeping the thread going. I know this first post is long, but please read as it give…
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NST: October Turtle Triathlon
NST: October Turtle Triathlon :j:j:j To be a triathlete means :- * you are hardcore * you are already a superhero * you already have a different mindset from the majority of people * you already train three very different skills, improving areas where you are weaker whilst maintaining your strengths We shall swim, bike and…
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Hi I am new and a silly spender and want to be debt free...feel sick of money daily
Hi Guys I am 31, a wife and mother. My husband earns good money around 34k a year and I am on 17k a year. BUT....we are 15k in debt. We meet our minimum payments each month and had considered a loan to pay it all off so all we had to pay each month was the loan. The lack of money is not really my issue (although we do just…
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Safety Net Challenge
Hi all I do not know if anyone would be interested in this idea but someone mentioned about wanting to save 3 months wages. I thought this was a fantastic idea as a good safety net should we (fingers crossed not!) become unfortunate. Let me know what you think anyway :) Mine is £4,989 ouch!! Willing to try :D x
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Uk debt collector for Cyprus debt
Hi all, Wondered if anyone could help. I have a debt from Cyprus which is being pursued by a uk debt collector. I have not responded as I was advised that they could not pursue me in the uk and it was just posturing. But, they have now stated that they are starting litigation against me without further reference to me. Can…
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1 debt v 100 days chapter 16
Here we go again! There's one rule: take on debt, however small and pay it off within 100 days. This challenge starts on 1st July and finishes on 9th October. Everybody is invited! Put your name here, if you want to take a part. 1.BornToTravel £1100/2000 2. Amara £450/700 3. Calling14 £585.79/1538.79 4. Shrimpy_80…
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The Super September 'Back to School' NSD Challenge!
We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and there’s plenty of temptation out there at the moment. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we organise riotous nights out and gatecrash any function going -…
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NSK July: Back to Basic’s.
:T:T:TNSK July: Back to Basic’s.:T:T:T Reduce, Reduce, Reduce! Good day to you readers! My have I a treat for you this month!!! I have been reading about this amazing lady that you all might have head of. Another thread on the “debt free wannabe dairies” drew my attention to this lady called Kath Kelly. For a year she…
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Roadkill Rebels September 2014
Hello Roadkill Rebels, Welcome to the September Challenge. The drill is still the same: find as much roadkill as you can between May 1st and 31st. As HOK3Y said when she launched the first challenge in October 2013, "the only stipulation is that it must be found outside of your home and/or car - it has to be money that…
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September 2014 - Make £10 a day challenge
A friend once told me that September is like January to her - time to still make changes in this year and start afresh. So let's make this one a good one! This is the 85th month of this challenge, which was first started by Batgirl, in September 2007. :money:We have been going strong for 7 years!:money: Thanks to Batgirl…
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The "How Many Days Can You Go Without Spending" Challenge.
So I saw a challenge on Frugal 2014 and decided my challenge would be to not spend anything this month. This gave me an excellent idea for a challenge which you will save 1000s in doing. It will be tough but we are all here to support each other. Plus it'll be worth it in the long run. So the challenge is to see how many…
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NST;September Squirrels
NST Challenge:September Squirrels Our First Turtle Adventure Appreciating What We Have Yes we are turtles but just as we learned many lessons from Ninja Kat and will continue to learn from each other, we can also learn from other members of the animal kingdom. September will be all about appreciating what we have . So…
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The Meal Plan Challenge
I've decided to start this thread to help me save some pennies on my grocery shopping. I half halfheartedly did this month's grocery challenge. I didn't set a budget and just decided to see how much I spent. I've done the maths and with a week left, spends amount to £593.05 :( This clearly explains why I have no money. We…
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Debts re-sold
I got into debt many years and with the support of Payplan, brought that debt down. Recently, I got help from friends and relatives to pay-off these debts, which have been sold by my original creditors (presumably at a big discount). Have managed to pay-off all except those held by an organisation called Idem/Paragon who…
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The Make Money For Christmas Challenge
Hello all, In the last few weeks with the weather turning, the 'C' word has been thrown around a fair bit (no, not THAT C word!:D) In 18 weeks to the day it will be Christmas Day :rudolf: and that got me thinking; wouldnt it be lovely to have money put aside when the Sainsburys sale starts in October? Or when Tesco has a…
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Drowning not waving
I've watched and listened to Martin Lewis for years and, in spite of what you're going to read, understood most of it. This is my first post so I'll get directly to the point. I am a 52yr old single person, £80k in credit card debt and living on JSA and Housing benefits. I've been paying £1 a month to my creditors for a…
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clear account
I need to stop using my clear account. How do I stop the process?
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One Good Thing
Everyone has those days where you've cheated on your diet, broken a full jar of nutella and forgotten the one thing you went to the shop for, but have somehow managed to bring home a bagful of things you don't even need. This thread is for trying to put down one good thing a day, whether in a book or in this thread so that…
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