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PANORAMA TONIGHT 10.15 (about banks)
How the banks lure us into debt.
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Saving money-An education
Hey all, as you know, i went to Parliament last week, had to lobby my MPs as part of my job. While there, took quick moment to have a quick debate with my MP about debts and how children need an education in money matters while in senior school. Now he reckons he on his own could do nothing, but if our forum wrote to our…
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Capital One CC giving me big hassles
Hi guys, I really could do with some helpful advice on my current situation with my Capital One Credit Card. I lost my job last year just before Christmas last year which as many can appreciate i'm sure the worse time especially when you have children. Subsequently I ran into debt with my 2 credit cards Barclaycard and…
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Feel terrible
Just really down. I'm having my "no spend" week this week and I'm trying really hard - I had gone into my overdraft last month so I'm doing this to get back on track and stay out of it this month. So far I've sacrified a leaving do night out for a workmate, buying chocolate/comfort food, and generally I've spent the…
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Where should our money go first?
OK I've been worried for some time now that as well as being in debt my partner and I have NO security for the future. I work in education and have a small pension that I started a few years ago but he has nothing (we're both in our mid thirties). From my sig you'll notice that we are in debt (at a bit of a scary level…
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Panorama tonight 10.15 BBC1
The Money Trap: How The Banks Lure You Into Debt: A senior executive for a high street bank reveals how customers are pressured into borrowing money. Worth watching maybe
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fell of the wagon a little
well yesterday i fell of the wagon a little.. but the last few month i have been doing nothing but clearing bills so sat was the GF birthday decided to take her out and spend.. But the big diffrence is most of the spend was spare cash which felt good. the only things i have put on the credit card was 2 dvd boxsets and…
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How much cash a week?
Hi all - now that I am earning silly money, I am struggling to keep to a sensible budget for cash, ie, drinks/meals out, lunches, taxis, magazines and stuff. Before, I could get by on less than £80 a month and all was well. But now I work in london with people who spend, and I am really going off the rails! How much cash…
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My CCCS appointment tonight ....
is at 6.30 pm!!:j And I'm starting to feel sick with worry already - even though had been told by them not to worry myself! Wish me luck!
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No Reply
I have had no reply from one of my creditors. This is a debt collecting agency that shocked me into having my light bulb moment. They use to phone me and try and bully the money out of me. At the end of May i sent a letter with copy of budget plan (devised with CAB) with an offer of payment. I got no reply. I sent a second…
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A quick bit of advice needed...
Hi everyone! I have an overdraft of £2000 which is costing me about £40 a month. Only just started paying interest on it as it was interest free for the past few years (student account). I was wondering if I'd be better off to pay it off using a loan or interest free credit card?
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New to all this
Hi, This is my first post and I am new to the whole money saving expert forum thing, but have been reading the website for a little while. After a good hard look at my financial situation I have finally seen the light at the end of the tunnel and stopped sticking my head in the sand. I have used the reccomendations of…
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funkymonkey's Debt Diary
i thought i woiuld write a debt diary like others to let everyone know how i am doing. so my lightbulb moment was at the bginning of the month when i added everything together and realised we were in 52K worth of debt. im only 22 and dont want this to hang over me for te rest of my life so have started to cut back. ive…
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Feeling very proud of myself!
Hi, I have just paid off the second of my 3 credit cards and am feeling very virtuous! I am going on holiday on Monday and have also saved and paid cash for this and saved the spending money and changed it into Euros as soon as I had enough to stop me dipping onto it! This is the first time ever I haven't just put a…
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Nagging ancient creditors
Hi This is my first post on these boards so please be gentle :-) I've got a 7/8 year old outstanding balance of £100 from an ancient/closed bank account that went into in arrears when I was a student. As far as i can see it hasn't ever gone past the debt collection stage. A recent Equifax report shows no trace of it. I had…
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My first post..
Hi I've been browsing for a while, but this is my firt post. I read Martin's book back in January 06 and have managed to clear £3,000 off my debt in the last 6 months. Thank you for your posts and advice. I've been in denial about my debt for years, feeling embarrassed and spending lots on credit cards. I feel angry with…
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Saturday night DFW party!!!!
Hey guys!!! Well I am staying in tonight to save the pennies, got my mini bottle of red wine!! Anyone want to join me in a party? [IMG]http://smileys.!!!!!!/cat/5/5_1_115.gif[/IMG] [IMG]http://smileys.!!!!!!/cat/5/5_1_122.gif[/IMG] [IMG]http://smileys.!!!!!!/cat/13/13_1_104v.gif[/IMG]
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im so tired of it all sorry self pity thread
sorry before is start! im so fed up of having no money im tired and skint and depressed its half term in 3 weeks i have no money to do stuff with the kids, i feel such a crap person and a failure as a parent my children did not ask to be skint nor will they understand when all their friends are jetting off abroad and again…
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My Turn for a SOA
Deep breath... Right, bear with me, this might take a while. Statement of Affairs Budget (2 Adults 2 teenage boys) Income: My Salary £900.38 Partners Salary £753.33 Maintenance £150.00 Rent £80.00 Child Benefit £68.00 Total £1,951.71 Expenses: Direct debits Anglian water £34.72 ING Direct transfer[1] £51.00 Interest £31.97…
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What have you spent today, Sat 1st July?
I went shopping this afternoon while the footy was on - blissfully quiet! Spent £31.52 in Aldi (first visit) and £10.01 in Lidl, where I've become a regular! I wanted to see how the two compare.