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Remember me???
Thought I had jump on here and say hello, let you know whats been goin down!!! Well the debt part is still being done by token paymants and a few of the large ones are getting more, one company is dealing with 95% of them and they have been really good, im letting them know exactly whats happening, and they are happy for…
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OH has finally woken up and smelt the coffee!
Sat down with OH today to go through my (almost complete) SOA. It came as a little bit of a shock to him as it is pretty scary :eek: .... though I have never hidden from him the state of my finances, in fact I have spelled it out on more than one occasion, but hey ho! I think the fact that I had it all written down -…
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I have found the way to stay on budget
Trying to budget for weekly shopping was always a bit of a problem with my other half as if she went in to a shop for a loaf of bread and a pint of milk she would walk out with a trolley full of junk . So now if shopping has to be done I just go my self and just get whats needed staying in budget. And get lots of bogof as…
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REALLY cross with myself
I overslept, missed my coach (which is paid for for the month) and had to get the train. Which cost me a tenner, then as I was SO late I had to get a cab to work (another fiver gone). Im so annoyed at myself that I just wasted £15 on getting to work when I have already paid £207 for my travel for the month. I could scream…
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Oh no.
We had a premier privelege account with the co op. Then things went down hill financially. Anyhoo, this privelege premier account gave us a 'free' £260 overdraft. I thought I had cancelled all Direct Debits (I am sure I did) but was too late for one which I didn't notice and couldn't afford to pay back, this took us over…
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just saying hello...
I haven't been around for ages and thought i would just pop in and say a quick hello work is hectic and we're getting close to our grand opening soon! so i'm all a bundle of nerves as well. i've been a good money saver, taking in packed lunches and packing in the drinking. i even drag myself in on tired days (like today)…
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What have you done today to make you feel proud to be a dfw?
Thought this might give us all a few ideas about how to save! I've only just got up, school holidays, so i've done nothing yet! Will give my contribution later. Have a good day.
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cant pay debt to Cabot Finance
I had a couple of credit cards a few years ago. I was made redundant and the insurance paid the debt for a year. However I became ill and couldnt work for a while so the company added loads of interest on, probably because I was to frightened to contact them. They passsed the debt on about a year and a half ago to a debt…
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Just wanted to share my good news...
Hi everyone I hope you don't mind me sharing as no-one else knows about my debt :o Have just managed to pay off £150 from my overdraft meaning that since 17th June I've paid off £650 in total :j :T I know the house is bare with all the ebay selling but it will be worth it won't it :D
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Mortgage Overpayments - Reduce Capital or Term ?
I have mortgage of 95K @ 4.37% for 25 Years Repayment - £526.46 Overpayment - £500 a month Is there any benefit in me reducing my term rather then my capital? Please can any one show these in figures as I can only ever find web sites that talk about reducing the term and not the capital. Many thanks
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Slap me hard!
i did that cd player thing SS posted about.....cept i forgot to put the !!!!in code in so now i have the most expensive plastic ruler! looks pretty thou! lol:mad: :mad: :p :p :o :o Will
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What Have You Spent Today Thu 3rd August '06?
Couldn't see this so apologies if I have duplicated! I have spent: £0.44 on potatoes £2.00 on return bus fare I marched into Tescos to get the potatoes, paid and marched out again with no distractions. I'm getting good at this....
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Hi new to board
Hi, Ive been lurking around for a while and have finally decided to post my soa. Here goes, This is the revised budget and not what we have been spending otherwise we wouldnt be over £3000 in debt, but I suppose that is pretty obvious MORTGAGE £273.71 ELECTRIC £50 FLAT MAINTAINANCE AND REPAIRS £120 GARAGE RENT £40 CAR…
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What is QUIDCO?
Hi All! Im new to the board (Joined today!) ive been reading some of the threads and i keep seeing this QUIDCO mentioned, what is it and how does it work? Cheers! 1st TS
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What Do You Think I should Do?
Hi All, I was wondering if any of you could advise me in what to do. I have 2 credit cards, one a Sainsburys,the other Abbey, Both have finished being interest free,but I owe about£3800 on the abbey and £2500 on the Sainsburys. I pay £80 a month of each one(cant afford no more) The thing is im being hit for about £40 month…
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Hi - I'm new today!
Hi A mate told me about this website - it's amazing. I logged on about 2 and a half hours ago for a quick look and would you believe I've missed Big Brother and now Sugar Rush is on but I can't tear myself away. In a nice way it's good to know I'm not alone! Must figure out how much I owe and keep an eye on it. Also,…
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loans with a mortgage
how many of you have got a loan on top of your mortgage to pay off all your debt??
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Thanks Barclaycard?!
I had a few credit cards lying around, which I no longer use and have clear balances, so I decided to cancel them for the sake of security and to get rid of some paperwork. When I told Barclaycard I wanted to close my account they referred me to Customer Loyalty. Who promptly offered to take my balance of £4850 from…
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What would you do?
August is a busy month for me- hen weekend in Preston this weekend (cost= minimal as I've already bought my train ticket + 2 out of the 3 of us won't be drinking), plus 2 BBQs on different weekends (cost= fairly cheap, petrol + the dessert that I'm providing) and a weekend in Brighton. Now the weekend in Brighton will be…
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Great day today - I'm on a high
Just got my exam results through for my last course for my Diploma in Health and Social Welfare and I passed with a distinction :j :j :j :j :j :j :j :j :j :j I'm gobsmacked. I never dreamt I would get that high!!!! Oh, and today is Joshua's 3rd birthday so it doesn't get much better!!!! :D