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Car Loan - Moan
We took out a car loan 12 months ago of £8550, dont know the interest rate but its HIGH. we just rang the loan company to ask how much is the settlement price and they said £7580 , well I dont know if this is good or not ? We have mananged to save £4500 and we dont know if its wise to open a new loan of £3000 to pay off…
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Weekend is almost here!!!
Yay 2 days off work, and an evening in. This weekend I will be: Sorting my room, its a bit of a dump after my shredding spree of all my old papers, also clean out more unnecessary junk, clean tidy room, clean tidy mind! Keeping myself Busy with my various projects Playing cashflow 101 (bloomin addictive) Need to start…
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The say something nice about yourself thread.
After a very tough day on the helpdesk i need to cheer myself up, so i thought id start this thread so we can all say one thing a day that we think is good about ourselves to get us through these hard times ( ido this mentally and it is quite a boost, after a week you feel like a god!) For me today ive worked hard despite…
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6 year default not gone - Equifax
Hi everyone, I am new to this site and was wondering if anyone could give me any advice. I had a default that was settled on 2 August 2000. Experian have removed it but Equifax have not. I have phoned up and the woman said phone back next week? I thought they had to be moved after 6 years.
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Slippery Slopes
I haven't been on for a while and its showing in the bank account! :mad: I have been mooching around the boards but havve not added anything for ages. Having bad day as checked bank and am back in overdraft although not as far as I was. I know a lot of that is down to everyone here and alll their little tips. I suppose I…
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on the right path?
Hey there everyone Well, I finally got round to registering on here and posting for the first time. I'm a definite DFW and have already taken some steps towards it but I thought I would come on here and see if any of you MSE's have any more advice for me. Here's my SOA with comments/explanations, I know alot of you won;t…
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What makes you feel poor
As many are battling here with being debtfree. I have to ask this question what makes you feel poor? The reason I ask this was because I was listening to the Jeremy Vine show on Radio 2 about debt today. Don't forget :money: is on there tomorrow as well. Anyway they where talking about debt today. I did not catch all of…
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8.23AM - I've made it!!
At 8.23am this morning I rang the 0870 number (no alternative on saynoto0870.com site) of the last company I owed money (on 0% deal, of course!) and paid off the entire balance. I'm now officially debt free!!!!!!:beer: :beer: :j :j :j :beer: There are no loans, no HP, no credit card balances, no overdraft and no £100 here…
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Credit Repair Help needed Please
Ive just got my credit rating from Experian and it shows me in the very poor catergory for a credit score. There are no defaults, or CCJ's showing, but i do seem to be showing a lot of 1 status's for late payments ? Is there anyway i can improve my rating ? Can i get any of these late things removed ? IE one lender shows…
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why do i feel so skint
hi i have been having this problem for a few years now and i am feed up with it i have at the moment 110 in my bank 60.00 cash and 90.00 to come again on wednesday and every wedsnday after that all i have to pay out of this is fags but i feel like i havent got anymoney even though i have the kids want to go to the seaside…
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WOOO HOOO! Under 20k! First Milestone gone.
As of 00:01 this morning, I am now officially under the 20k mark! Woooooo Hoooooo!:jump: That's the first major milestone gone. :beer:Now on to the next one - 15k and under! Ahhh! :eek: miles away, but dammit I'll do it! :)
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settled account CRA
Please can anyone advise me as to whether closed accounts should still show a credit limit? I closed my barclays account 8 months ago and it shows as settled but with the credit limit as it was before. Other closed accounts do not show a credit limit. It took quite a long time before they would mark it as settled. Thank you
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Did my first 'budgeted' shop last night..
cam to 94.31 eek! Shopped at asda. £6 of that is coming off the clothes budget because we bought som babygrows for our daughter. So 88 quid on groceries. Bearing in mind we bought shed loads of toilet rolls and washing up liquid and washing powder that will last us for the month. Also loads of nappies. A lot of household…
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40k in debt and counting...
My SOA: Monthly Incomings: My salary (self employed)- £5,000 Partners salary - £200 Total - £5200 Monthly Outgoings: Mortgage - £900 Council Tax - £160 Gas - £30 Electric - £30 NTL (phone/tv/bband) - £100 Food - £300 Petrol - £50 Other DDs: Car Finance - £320 Sainsbury's Bank - £220 Life Insurances/endowments - £400 3…
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Goals for week commencing 23 July
Last week: http://forums.moneysavingexpert.com/showthread.html?t=228422 I've been thoroughly useless this week. Three no alcohol days. --- Only managed two (Sunday and Thursday). Three no spend days, take lunch to work every day. --- Failed miserably (not a single day). I'm having trouble with this no-spend day malarkey,…
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flamming MBNA
ive jsut had one of there rep's on the phone i was able to up my payments to my creditors from the 1st of june so i requested a review from the CCCS, anyway MBNA were thrilled as it almost doubled their payments well the 1st of july i had some financial problems not as much in pay due to sickness not being paid etc, anyway…
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Sorry I have to tell someone my good news..
From a thread somewhere on MSE (sorry i can't remember who posted it!) i downloaded a form from the National Savings and Investments to search for lost pass books etc. I knew that I had an 2 accounts with them when I was a child and thought that there was around £50 in it. Today I have received a passbook with... wait for…
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Online grocery shopping... is it cheaper?
I know you can get online codes which can reduce your bill drastically and cover the cost of delivery BUT I'm a sucker for the reduced price section. There's nothing quite like the feeling of picking up a bargain. :D What do you think? Do a little bit of both?
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Had to share this with someone!
Hiya I finally got an insurance payout on our cats vets bill so paid it straight off the barclaycard. We're finally under £1000 in debt. This has given me real incentive to spend as little as possible and pay the rest off by christmas. This means I need to find about £50 a week. I've got £65 coming on quidsco in a month or…
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The 'Happy Friday' Dance!
I rang up Egg at 8.20am this morning (and got straight through more's the miracle, without even one ringing dial) and closed my Egg Card. I was just waiting to pay it off from a balance transfer from another card. So it is gone! Hurrah! And getting a semi-free night out tonight from work, for 'team-building' (so…