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Tuesday 15/01/08 What small dfw thing have you done or will you do today???
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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Newbie here-REALLY need advice on dmps!
Hi all, well i have finally done it- confronted that yes we are in huge debt and no i will never be able to have another baby if we can't sort out this mess :( So after lurking for sometime, here i am-£46000ish in joint debt with DH and although we have no missed payments on debts, we are living on credit and are…
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Dentist Treatment
This is the right section for this post I think. I was wondering if you think that those dentist plans you can go for (e.g. £12 a month) are a good investment. I currently don't have a dentist, and haven't been to one for about 7 years. Obviously NHS are hard to come by these days, so was thinking about paying a monthly…
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Tues 15/01/08 What Small DFW Thing Have You Done or Will Do Today?
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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Default Registered by HFC BAnk
I have had a default registered by hfc credit card on my credit file on 31st dec 2007. I was under the impression that a defualt notice needed to be served giving you time to act upon it before a default could be registered. I asked HFC to supply me with details of the default notice served they said it was posted to me on…
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Whats my best options
Hi everyone, I' just after some advise on what to do to help me reduce my payments and try and pay my loans off faster if possible? My current situation is as follows: MBNA loan £3580 with 45 months remianing payments of £111 - 12.9APR HSBC loan £2539 with 30 months remaining payments of £117 - 19.9APR Overdraft used £1500…
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A little help for a thickie please!
Sorry to sound dumb but im having real trouble understanding about the bingo/matched betting sign ups. I was wondering if someone could give me an understanding of how they work, what you have to do etc. I want to try and do this, but im worried that I will loose money rather than gain because I don’t really understand…
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Fizzel81's debt diary
Hope nobody minds me starting this talking to dh about things just starts arguements as we are both still in much stress about just how much we owe. payplan added it up to be 28,841.04, more than dh earns in a year once i have all the payplan paperwork through i can put the exact figures of who we owe and our new soa from…
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Daily Chat Thread 15th Jan
Morning! Whats everyone up to today? At work so not much happening, hoping to get some DFW stuff done later today!
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Increase debt or not??
Totally frustrated and fed up with money. Everything was looking ok financially and had worked out a plan to pay of credit card debts and loans within two years. However, my car has now stopped working and i am looking at a £1000 + repair bill! Can't decide what to do. Should i get the car repaired and risk more repair…
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BT Between two 0% Card
Typed a big long message but it didnt post.. So Try and Cut it down this time.. Got 2 Cards 0% for the next 9 Months Natwest one Is Maxed with around 3000 Virgin One Has about 1200 on it but with 4400 Limit.. I Stupidly spent on the Natwest one when i got it.. and get charged around 5.50 a month intrest on it.. My Plan was…
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Loans to Credit cards
I have a loan which im looking to put on a CC, if i do this is it classed as a BT or a purchase??
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Borrow more to finance short-term cashflow problems?
Trying to do the right thing, as I'm struggling with the min payment on one of my credit cards, I wrote to the bank, explained what and when I would be making the min payment for this month. I asked if it was possible for them to allow me to pay just the interest, which I can afford, for a period of 3 months. By which time…
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Self build house need help please
Hello Everyone, I'm not sure if this is the right forum but the house buying selling one didn't seem right and I know from reading the post the majority of DFW are up for anything:rolleyes: Myself and hubby are building our own house and at the mo are trying to draw up a list of all the materials we need ie 5700 blocks…
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Fair settlement figure?
Full SOA here: http://forums.moneysavingexpert.com/showthread.html?t=683067 My DB(oyfriend) had a credit card with Natwest, which subsequently got passed over to Triton for collection. It was on a repayment plan but he broke that by not paying on time. They sent him a text message earlier (oh, ain't technology great!) and…
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Credit checkers
Firstly, may I apologise if this is in the wrong section. Now the story, we purchased some items from PC World online last month and paid with a debit card. The goods were received and were fine. I have (due to the fact that the mortgage company sold my personal details) free access to Experion at the moment, and I had a…
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Hallam_Macca's DMP - Time to Get Sorted
Hi all. Think it's time I got my debts in order. I tried this around this time last year and found the site very useful but got sidetracked and advised getting a loan would be the best way to get straight. After a few failed attempts I'd given up hope of getting a loan and I had stopped using this site. Back to square one!…
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I want to Set Myself a Challenge But What....
Hello All, I want to set myself a different kind of money challenge but im not sure what to do. I was thinking £5 a day challenge and everything that I do not spend for that day I save for the next day? That works out around £150 a month to spend on odds and sods, ie. lunch etc. I think £5 a day is achieveable? Perhaps…
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In a money muddle
ok here i go, i have two credit cards. one with hsbc - grand total 2700 and mnbia or something like that lol for 1300 apprx, so thats approx total of 4000. can i be pointed in the best direction to put these two debts together ans start to pay it off?? should i do a bank loan? or what would be the best card solution! Thanks
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£23,00 in debt
After some thoughts of encouragment. Had one of those weekends, when everything feels like its 'huge' and no sunshine will ever appear. Where £23,000 in debt and due to start a DMP on the 22nd Jan. Thing is i look at how much our debt is and then look at the work our house needs and just cry. We bought the house a year ago…