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The Ultimate Biggest Losers - counting the pennies, losing the pounds
This is a thread for the Ultimate Incentive threadies, and anyone else who would like to join in who would like to lose weight. We've been clearing debt together in my Ultimate Incentive diaries for about 6 years, now we want to battle a different kind of pounds as well. I've found as I've gotten older life has gotten…
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Make £10 a day April 2016 challenge
:hello: Hello and welcome everybody This is the 104th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but…
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Make £10 a day June 2016 Challenge
Hello and welcome everybody :hello: This is the 106th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but…
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1 debt vs 100 days chapter 22
Hello everyone! Regular challengers and newcomers! 1 Debt vs 100days chapter 22. There's one , simple rule: choose one debt and do whatever you can, to pay it off within 100 days. This challenge starts on 28th March , Easter Monday 2016, and finishes on 6th July 2016. If you want to take a part, please write your name…
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NST June Challenge
NST June – How did it get so late so soon? It’s night before its afternoon. December is here before its June. My goodness how the time has flewn. How did it get so late so soon? Dr. Seuss Welcome to the new Monthly NST (Ninja Saving Turtles) Challenge! NST's are a group of Money Saving challengers from across the UK (and…
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Frustrated
Ok new to this......... I would like to pay off my overdraft and my credit card totalling 4k, fed up with paying all the charges and not getting anywhere fast, what's the best way forward, cheapest Apr I can find is 13.7%, still seems quite high? any suggestions Please.........
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Pay off Argos by Xmas 2016
Hello Newbie here (although i was a member years ago) I hope this is what this section is about but i have set myself a challenge to pay off my Argos store card by Xmas of this year I owe around £1400.00 on it but have a new set of circumstances which has freed up some spare cash so off i go Yesterday i paid off an extra…
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Tomlin order
Hello everyone, I've recently negotiated with a solicitors a Tomlin order whereby I am required to repay £700 PCP until April 17. The problem is my circumstances have since changed and my monthly disposable income has reduced significantly. is there any way, once a Tomlin order is in place, the repayment amounts can be…
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£4000 for 2 implants... please heeeelp!!!!!!!!!!!!!
Hello Thank you for joining me Spire Dental made a quote for me for 2 implants for £4000! They will be doing extraction of UR4 and UR5 and placement of 2 dental implants, in addition for the same teeth I have already paid £440 and they did also ask me £45 for the initial consultation with the Doctor Basically in total I…
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Payment A Day Chapter 16
*The principles of PADding* Emily Hallett started a fantastic thread called 'a payment a day' which you can find via going to this webpage (sorry it won't work for me right now) The thread is extremely supportive and friendly, with lots of madness and smileys to boot! It is ever increasing, which is why having hit 200…
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Make £10 a day May 2016 Challenge
Hello and welcome everybody This is the 105th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but please read…
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NST: May the NST force be with you
May the NST Force be with you Ninja Saving Turtles May Challenge We are already into the fifth month of the year Turtles. The days are getting longer; people are more into socialising on these light nights; and some of us just fancy a treat to ourselves now the weather has picked up. We must not lose sight of our goals…
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Debt advice needed - 60K
Hi I'm in need of some advice please. I currently owe around 60k worth of unsecured debts. Both loans and credit cards. All racked up through gambling, which I am now seeking help for. Amazingly I have kept up to date with all payments until now. I can no longer keep up with working 12 hour shifts 6 days a week. I have…
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£80K CC debt but not living in UK
Hi, I would appreciate your advice. I left UK actually about 8 years ago and I have been trying to honestly service my debt (about £80k now) from abroad without missing any payments. Cost is about £3500 every month, but my debt is not reducing at all. Now, my situation has changed dramatically and I need to move back home…
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removal of phone cable line on window
Hello, I bought a flat a few years ago and i’m not in the process of replacing windows. The problem is that one of my windows (wooden ledge part) has a telephone cable running through it – i think this must have happened when they converted the property some time ago. I assume that the cable belongs to BT as it runs to a…
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IVA to Lloyds
We have been paying our IVA to Lloyds now for 6 years there is still about in total, (loan C/C and overdraft)13K left. At what point might Lloyds write off any debt, or will they just keep us going year on year until it's paid ?
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Previously unknown CCJ from 2013 - best / cheapest course of action to resolve?
I've been trying to clean up my credit report recently having finally cleared debts from the past 15yrs, only to find out recently that I now have an active CCJ against me from Northampton court dated from November 2013! This is total news to me as I moved from my last address in 2014, but don't recall ever seeing a CCJ…
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The Great Big Budget Challenge 2016
Alright. Hear me out. There are a few threads for specific challenges - the crazy clothes challenge, the grocery challenge, no buying books etc etc. Each of those challenges has its own rules and aims which is totally fab (also I'm in the clothing challenge so come say hi) But how about this? You set yearly spend targets…
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NST April - SPRING INTO ACTION
:T NST APRIL SPRING INTO ACTION TICK TOCK - The Clocks have changed have you? Welcome to the new Monthly NST (Ninja Saving Turtles) Challenge! NST's are a group of Money Saving challengers from across the UK who are always up for new money saving challenges, fighting our way to debt freedom, sharing tips and new money…
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The Awakening.....the amazing April NSD challenge thread
As the staff of Ennessdee Towers sail off on their round-the-world cruise, the NSD challenge continues....... Why? People collect No Spend Days for various reasons. Some do it because they are heavily in debt. Some have a limited income so need to watch the pennies. Some are saving up for something big - a house, a…