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Is there a budget planner for fluctuating income?
I've had a search but can only find budget planners that assume you earn the same amount each month/week/year - and I am self-employed and it can vary wildly! I've tried Martin's budget planner but it doesn't really work at this level of uncertainty. (:o) I'd like something like a cash-flow spreadsheet which allows me to…
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Changed My Phone Number - but am not going to tell the banks!
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MY SOA - Any advice
Ok im not struggling by any means but i could always do with more, just wondered if anyone had any advice on ways i could have more per month spare. Me and my partner bring home a month between us £1807 Rent £475 Car Loan £175 Council tax £132 Gas/elec £18 Water £18 Phonebills £50 thats £25 each roughly and we use all our…
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How Long to repair credit rating after paying debts
Advice please anyone I have came into some money and can finally pay off old debts that were a thorn on my side and therefore gave me a terrible credit rating. I had to go through a debt agency at the time. I have a mortgage now and 2 credit cards that are always paid on time. But cos of the old debts i never stood a…
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What do i need to do, cant pay CCJ's
Hi, just before the new year i received 2 letters. One from British Credit Trust, Croydon Court saying i am ordered to pay £10500 and another from Northern Rock, Cardiff Court for £28000. They are both now showing up on my credit report as CCJ's, the debts are in joint names with my now X partner who doesnt live with me…
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DFW Meet Saturday 19 Jan 08 Somewhere in Birmingham
Right, for one thread only! there is gonna be a DFW meet in Birmingham Sat 19 Jan 08. Details to follow. It will be along the lines of the Blackpool meet, meet up, have a laugh and go for a few beers on the night (if that is where the night takes us). B+B options will of course be researched and posted on here so all help…
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Debt Management Plan - Good Idea?
Hi fellow MSE's, I wonder if anyone can give their views on whether or not me and OH should start a DMP? We have a huge volume of debt but can currently afford all our minimum payments. The only problem is that as that's all we can afford we will always be in this mess! Credit cards are the main issue as we can't reduce…
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dont know if i'm in the right place, but?
:confused: today i recieved i letter from a debt collection agency claiming that of them £205 pounds from a store card to GE Capitol that i had over 7 years ago which i honestly think i cleared, but since 3 house moves i cant find a reciept. can they do this? there is absolutly nothing stating a default on my recent credit…
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MY SOA - any tips would be very welcome!
Hello all, I've frequented these boards over a year ago now, started to sort myself out, then got a girlfriend (now ex), spent every evening in the pub and fell off the DFW wagon. All my fault of course. Anyway, I've caught up with the wagon and decided that from 2008 I'm gonna do things properly. Again. And I've got a new…
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I've made a small start.
:o So far today I have applied for a new 0% balance transfer, halved our sky package, cancelled our tesco dvd rental, cancelled my magazine subscription and started a spending diary. I'm feeling all fired up and enthusiastic now.
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Id like to start again ... if You'll have me new SOA enclosed ! ....
Ok i did post an soa a good while ago and have to say fell off the wagon big time! weve moved house and wages and things have changed but we constantly feel we are treading water and its getting to the point were we cant get anything done etc .. so id love some tips advice etc for our New Start for 2008 ... Rent Monthly =…
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Daily chat thread 8th Jan
Hey guys, sorry it's late this morning but I didn't get up til 10 and then me and Ash had the dentist... whats everyone up to? Last night our band rerecorded our first track with the drums and everything now Ste's elbows better and I've got the itch to write songs now!! lol!
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What are you looking forward to doing/getting when you get out of debt?
Im really looking forward to getting a car so i can see my family more :) and getting an unlimited annual cinema pass because i love the cinema but can rarely afford to go :)
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I've had my lightbulb moment, now it's time to get started!
Hi all, just thought I'd introduce myself since I've been lurking and reading everyone's inspiring posts! My name is Hannah and I've decided that 2008 is the year I start to tackle my debt. I will post an SOA up in the coming week but roughly my debt stands at £27k. :eek: My aim for this year is to pay off my two highest…
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Son in debt threatened suicide, Advice ?
Hi im worried if any of you good people can help my son. He is 20 years of age and has just returned home.He is struggling with stress and depression.He is currently out of work. His life seems to have fell apart since he was discharged from the army. He took a loan out with a bank on a car ,because he was in the army he…
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Should I ask for CCA?
Any advice? Nat West issued a ccj for £5.5k overdraft, disputing this as we have made over £800 in payments through our DMP! Wrote to Nat West on 20.12.07 and have not yet received reply asking them how this has been broken down. Rang them tonight and was put through to someone in their litigation dept who was very vague…
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Help, feel like I'm drowning again!!!!
Any advice welcome! In October 2006 started on a DMP jointly with husband( the Ostrich) We had our own accounts with First Direct with overdrafts(£500) and CC which were for emergencies. As you can see didn't take advice re basic bank account, how stupid! My husband ran up his card to limit then had to use mine for day to…
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had lightbulb moment!!
here goes, just thought Id add up allmy debts expecting them to be about 5k, but the whole lot is £11,415 so going to look into the snowball thing and go from there to setmyself a debt free date. Original date - 31st March 2011 - (my 40th Birthday), but want tobring it forward so any ideas would bevery grateful On income…
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Pay Off by Christmas Challenge
Morning all. I was thinking as I was waffling in my diary (as you do) What would I like to pay off by Christmas? As my Slimming consultant said we are now only 6 months away. :eek: And this is what I am going to challenge myself to pay off completely: Style Store Card - £325.00 (Plus Interest 24.9%!!!) Overdraft - £414.02…
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Where do I start???
Hello I'm new to these boards and wanted to know if anyone could give me some advice on where I need to start on the road to becoming debt free. I've recently married and so have some outstanding money on both mine and my husbands credit cards - roughly around £7,000 EEEEKKK! My husband also has a loan of £2,000. We also…