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Goals for the week - 29 April 2007
I haven't seen this thread for a LOOONNGG time but always liked it as a reminder and motivator. Here's the most recent one I could find http://forums.moneysavingexpert.com/showthread.html?t=319743&highlight=goals+for+the+week and there's probably something more recent but it's too early on a Sunday morning to search…
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Urgent advice needed
hi everone, i need some advice plz. my sister has been sectioned under the mental health act but before she went into hospital she maxed out her credit cards and overdraft. She is in debt of almost £3000, and every month the bank is charging her interest. I have paid all her utility bills and running her houshold but now i…
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Closing an overdrawn account.
So, I've got the approval to open up a new (very) basic bank account with HSBC (or Natwest actually - I'm still debating which one is better). How would I broach the subject with my current bank (Barclays) about closing this one, and turning the overdraft into some sort of interest free loan to pay it off in due course.…
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General overhaul of finances help needed please
Firstly I would just like to say that I have observed so much on all these forums and the way people help each other is amazing and inspiring. I don't have major debt as such but I do want to sort out and organise my finances to safe guard our future as we are ok for the moment so no real money worries but we are only…
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DMP/IVA? On Benefits
Please be gentle! Have been reading for ages, but finally plucked up the courage to post. I am a single Mum of two, unable to work now, and claiming Incapacity Benefit. I have a credit card debt of £11K which I am struggling with. And First Plus secured loan of £15k. (Benefits agency are paying most of mortgage) Am I right…
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Farepak Hampers Help please
Good evening all, Have just logged onto the Farepak Hampers website to see if there any update on the money I've lost and it says the following: The Joint Administrators of Farepak have been in discussion with the Administrators of Choice Gift Vouchers Limited (“Choice”). The Administrator of Choice has agreed that all…
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Massive Thank You
Hi, this is my first post but I've been lurking for ages now reading all the posts and getting strength from all the support on here. Over the last month I've had my lightbulb moment and faced my debts and also managed to tell my OH which I was dreading. He's been fantastic and I'm slowly getting things straight. I just…
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Sunday nite party thread
Happy bank holiday weekend folks! :j :beer: :j :beer: :j As nobody seems to have started it yet, I thought it must be my turn. So I've got the drinks flowing, the music pumping and the people swaying (well I'm swaying, as I've had a few today!:eek: ). Anybody for another drink?
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New To This Site & Want To Be Debt Free
Hallo everyone ! Just thought I'd post my current situation on this board and hope that someone out there could give me a bit of advice. I've built up some considerable debt over the last 10years (£30,000). I had to give up work 10years ago due to very bad stress and relied on credit cards to pay bills etc, etc - you all…
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How Should I Use the Last of My Family Allowance
My family allowance gets paid into a Bradford & Bingley account and I have also saved it and used it for family matters such as birthdays and Christmas. For instance I have funded my kid's birthdays with it this year. Now my daughter is at uni so I dont get anyfor her anymore and my son is now 18, so it will come to an end…
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no saturday party?
not even a clean one
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6.5.07 what small dfw thing will you do/have you done today?
Good morning people, newbies and old timers! I hope you are enjoying your weekend :j 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…
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woohoo i saved ££££
well i was feeling pretty miserable about the whole budgeting thing yesterday, but i ordered the shopping online last night for next week and i saved money. I budget £160 a month for food and i split that to 4 shops a month £40 each shop. WEll i have just ordered the 3rd one this month and there is still £60 of the food…
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Off topic - avatars
I have seen people referring to avatar pictures in various threads - why can't I see any of them???
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How will life/spending change for you when you are debt free?
How do you see your life and your spending changing/staying the same after your debts are paid off? Obviously we'll have more disposable income. We're hoping to start saving so that we have some security, buy a bigger but more economical car (with savings!), and take more holidays (again, with savings!). I'm also looking…
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full time student with no job(looking) with bills
i use to have a part time job, i took out a 1`2 month moible pohne contract car insurance and i use to sell things on ebay. ebay account closed down i owe them £40 phone bill = £140 car insurance = 2 months = £86 each month so thats £172 MAIN PRIORITY = ebay - £40 + phone bill = £140 i have absultly no income, and i am…
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Quidco question
I've just received my first payment from Quidco! But one little thing puzzles me: Quidco shows £35.09 paid, but my bank shows only £35.04 income. It feels churlish to question such a tiny amount, and free money too, but does anyone know what happened to that 5p?
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Defaulted on payment
Dear All, Last month I was sent a default for my natwest credit card, for £250 in arrears. The date on the letter was 13th April. I have paid £120 towards it on the last day of last month and plan to pay the rest Tuesday once the banks reopen. I wanted to know if anybody knows what will happen? I have had defaults in the…
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All Laid Bare...
So here goes... I have been as honest and as thorough as can be and hope I have given you all of the info you might need in order to help us get on track. Have a gander at mine and my hubby's financial situation and tell it like it is! (All amounts are monthly) Incomes: Me: £996.43 Him: £921.14 (Varies- he has 5 claims…
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DFW Sunday Confessional 6th May
I really like this thread, so here it is week 2... This week I: * have arranged an impromptu night away in Hastings with a few mates tonight (not sure budget can stretch to much... but I like soda and lime and free entertainment!!!! :o ) * have been into Costa-lot coffee twice this week :eek: :eek: :eek: