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Should there be a stay out of debt forum
I just read Tee Pee thread about having finally got out of debt :beer: http://forums.moneysavingexpert.com/showthread.html?t=254562 It made me think, should this site have a "Stay out of debt forum" where people who get out of debt forum could move to / graduate to and ppl who are not in debt can go for advice to keep out…
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Grrr!
Just wanted a moan! I've had TWO parking tickets this week. :mad: I do actually have a season ticket for the car park - just forgot to put it in the window -so, hopefully, I should be able to escape the £60 fine. On my way home from work I called in at Tesco for some milk and picked up a tax disc holder for my season…
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Incentives & Treats
I just wanted to see what things people promise themselves to urge them into paying off their debts quicker. When I'm all done and clear I'm gunna buy myself a saxophone, I've always wanted to learn and the sooner I pay off my debts the sooner I can get myself some lessons! :D
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Ladies & Gentlemen, your attention please.
I was 'busy' in work writing this, thought you might enjoy it. *ahem* (Clears throat) Oh, what a great thing it would be to be finally completely financially free. No burden hanging over your head, an overstuffed wallet in you pocket instead. Tight budgets thrown into the trash, and at the end of the week...Joy! Spare…
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Can you help?
Hi DFW's .. I didn't know where to post my query so posted it on the Insurance board instead. I would really appreciate any tips you may have. http://forums.moneysavingexpert.com/showthread.html?t=256810 ta Orchid
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Son has finally realised he cant keep his car!
My son is 20 and going in to his 3rd year at Uni this month. He passed his driving test 3 years ago and his grandparents, my exs parents, bought him a newish car!!They didnt ask me what I thought i was just told he was getting it! As you can imagine at 17 this was everything---every lads dream to have a nice car bought for…
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can i move ?
Been on a DMP since Jan 06 all nasty letters have stopped and all creditors appear to be ok with my payment plan. My question is however whislt on a DMP can i move house ???? My mortgage is 120k ish and the value of the house is the same, i am looking at moving to another place worth 120k but can i whilst on a DMP? I have…
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What a start to my 30th birthday weekend
DH has had his motorbike reversed into :mad:, damaging the front end, the van driver has admitted liability though which will save a fight. His insurance company is arranging for a courtesy bike for him, as it's his only transport. My brother :A has cheered me up though, he's fully aware of our situation, he's taking me…
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How do you value your loans?
Hi, i know it doesn't really make too much difference in the long run, but when you are making a list of your debts, when it comes to loans do you work on the original value of the loan or do you multiply your payment by the outstanding months? In the long run i know it's not going to make much difference but just wondered…
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Reducing gas so we don't get in debt
My OH and I bought a 1901 terrace house in May 05. Our gas bill is quite high. We pay £70pm for gas (cooker, fireplace, combi boiler that heats the water). We use British Gas Duel Fuel. We are in debt at the moment on our gas by £300, it was £450 at Christmas and has only gone down somewhat because our direct debit has…
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Feeling the pinch: anyone got a minute to scan my SOA?
I've prided myself on avoiding debt since ridding myself of a horrendous HP-type car finance deal earlier this year. Aside from my mortgage and student loan (which comes out with tax anyway) I was virtually debt free - until today! I'd be really grateful for some help or pointers - I realise my situation pales into…
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EBAY........... the things people will sell
Hello everyone have you recently been on EBAY i did i was writing a review and i came across several people selling "how to reclaim back bank charges" which seriously annoyed me talk about exploit those of us who have not yet found MSE and the help from others with this so i wrote a guide about MSE forum and explaining…
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One Brave leap into Bankruptcy
Hi DFW, Well time has finally arrived for me to finally make that brave decision and file for BR. So, on Monday I am off to court to do just that and just hope that it works out well for my wife and I and our 3 yr old boy. My only wish is that we keep the house and any interest in the house be small enough for some…
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Urgent help needed!!!!!!
After applying for a job with a bank and completeing 3 interview stages I have recieved a letter saying they would normally at this stage offer me the position, however as they are unable to give me a bank account due to a credit check with Experian they cannot employ me. It did state on the appplication that a bank…
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Anyone any experience of getting a car on PCP?
Basically I'm in an IVA and can use the £4.2k car allowance (£215 per month after tax) that I will shortly qualify for from my employer to source myself a car. I'm not allowed to get a car on credit or save the £200 due to my IVA which leaves me either HP or PCP. Any ideas? Anyone in a HP or PCP agreement with any…
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Is remortgaging really bad?
I have had some excellent advice on an earlier thread I started, and my latest SOA is in this post here: http://forums.moneysavingexpert.com/showthread.html?p=2784195#post2784195 However, it *is* now a very very tight budget, and leaves no room for emergencies. We spent an hour on the phone last evening with a mortgage…
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Aktiv Kapital: The Continuation UPDATE
Further to this thread, i today received a letter from Wescot who are handling the account, in reply to a letter i sent which was kindly provided by members of this board. It reads... "We acknowledge that you have raised a query on this account and we would like to confirm to you how this will be investigated. We will…
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My car is mine!!!
Can't believe I mentioned this before now!!! I made the very last payment on my car today. It is now officially mine. :j :j :j Only debt now is £250 on cc and £1350 to credit union (well, I have a mortgage too and that will be tackled when the short-term lending is dealt with). These will be hit with the savings on the car…
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Saturday Night DFW Paaaaaaaaaaaaaaarty!
Ah well, as no one else has bothered... MinnieSpender cordially invites you to a DFW Paaaaaaaaarty! at her gaff this very evening. Come as you are. RSVP
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Sold house, got 38k debt, 115k equity help!
Advice please!:confused: Have sold house after 18 months on market.:j Have 115k equity now. Have 38k on credit cards. Bank have just offered 25k interest only loan b4 we knew sold as we were struggling with monthly repayments-never missed one but were using OD to pay off (crazy I know) want to buy a property to renovate,…