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How has this board changed your life?
Just thought I would see how much people have been helped by sharing experiences or getting encouragement from like minded individuals. Personally I am now far more determined to be debt free, I have a budget that works and know exactly what is going on with all of my bank a/c, c/cards and loans.
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Cookers broken and I am thrilled!
Right, this might sound mad as our oven has completly died the death. However, my husband's reaction, and he loves cooking, was to say well we won't be getting another till we've saved up for it. It's the microwave and hob from now on. He's had his lightbulb moment! Yeahhhhhhhhhhhhhhh!
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B/Card Visa Debt
I will try and keep this short and hope that I might get a genuine helpful reply please:) OK I have a Barcalycard Visa worst luck, I owe 7,800 pounds on it and pay back 154 pounds a month I am never going to be able to pay it off in this life time, the situation is this does anyone know if Barclays will allow me to pay…
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Which direction to attack the debt? Advice please :)
A few years ago, we were in major debt (over £30,000, plus small mortgage), but we managed to clear it with some serious renegotiations (thanks to the CCCS help pack) and the (unrelated) sale of our house :j We've kept things under control since then, until the last few months - a couple of store cards taken out with the…
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Question regarding cahoot account using Quidco
Is this an account where I have to pay a minimum amount into each month, e.g. my salary? Once opened and money tracked through quidco would I be able to cancel it as I already have an ING savings account and a current account or is it worth keeping open? Sorry for the silly questions, thanks for reading
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Ex Bancrupt Wanting To Rebuild Rating
HI THERE EVERYONE I WENT BANKRUPT LAST YEAR (MAY) WITH THE LOSS OF MY HOUSE AND DEBTS TOTALLING OVER 100,000 :eek: ANY WAY WE WANT TO START OUR LIVES AGAIN NOT WITH CREDIT JUST WITH DIGNITY WE ARE SAVING FOR THE FIRST TIME EVER AND MAKING EVERY EFFORT TO LIVE A NORMAL LIFE FOR OUR KIDS SAKE HOWEVER AT 35 I NEED TO GET ON…
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All Gone
I WANT TO SHOUT IT FROM THE ROOFTOPS. I HAVE FINALLY CLEARED OUR DEBTS. £11K REPAID. I FEEL EXHILIRATED. On a more serious note though I was to thank all MSE's for the help and advice, it has been priceless. Every single one of you deserves a big hug.:grouphug: Thank you Tee XXXX
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My husband...
...has taught himself to plaster and has spent this weekend plastering our hall due to the shock we got when we got a quote of £400 for said work. Our wall is looking fab for the first time since we moved in (2 and a half years ago :o ) and it cost a fraction of what it could have been! Am very proud of him!
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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…