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CCCS - Is there an equivalent for business?
Hi... Qyestion for my friend.. She leases a pub through Punch Breweries and is really stuggling to pay her creditors.. i.e. Rent, Council Tax, Stock.. as the pub is not doing well.. She has a lease for ten years and is only 1 and a half years in.. Does anyone know who could help her with this..? Is Bankruptcy the only…
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To Second Mortgage or Not to Second Mortgage
Okay, deep breath. We are in a bit of a predicament. We owe a relatively small £53000ish on our mortgage with 17 years left to run. We owe app. £35000 in one secured £7500 loan, a £6000 unsecured loan and various credit cards. The loans and card debts were run up partly through the extension we built being a never ending…
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Paying off the morgage (good times)
I have three mortgages 1- about £33,000.00 2- about £17,000.00 3- about £5,000.00 November this year i will be debt free apart from the mortgage, ? is, I intend to pay as much off my mortgage as soon as possible, hoping to pay it off within the next 6 years, give or take a year or so. What do you think would be the best…
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My SOA - Help!!!
Hi, I posted ages and ages ago about our debt problem and was advised to post our SOA for advice, so here it (finally) is. Hope someone - anyone - can give us advice on where to go from here as we're really struggling each and every day to get by. Not sure what's needed, so I'll just list things according to our weekly…
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My brother the Natural MSE'er!!!!!!!
My 'baby' brother who is in his early mid 20's came over for lunch today and we spent a few hours chatting about everything and anything. To cut a long story short he left home and came to stay with us 5 years ago for about 6 months. I left home under very difficult circumstances when I was 16, he was only 6 then and my…
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Feel Sick
I have just had to put my parrot up for sale in order to pay some debts off. I have had him for 10 years feel sick doing it. Update on this thread is. Have decided not to sell, as some of my reasons are wrong but I am not a Animal Trader and someone seems to think I am. I was having a bad day with my money and started to…
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Can I pick your brains please?
A young girl at work has just asked me to help her find a loan - she is 21 with her own mortgage, and very little disposable income.. I want to offer her some advice, but I hate the idea of her getting a 7 year loan (which is what she was asking about) She has a £1400 overdraft with Lloyds She earns about £1100 p/m Her…
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My SOA - Need extra money to pay outst bills this month :(
Hi, I've been lurking around here for a while now but haven't really posted my situation. I've alreayd learnt some great money savign tips and so far I've worked out I could save around £900/year which is great. So anyway, here is my SOA - ---- Credit Cards Egg 6500 currently min payment est 130/month MBNA 300 unknown min…
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New Rule
I think once someone has posted there SOA it should be made compulsory to post an update one month later (with changes or ideas etc) Not only will we be able to congratulate or tut at people, but they will also see how well (or otherwise) they have done *** And also my noseyness is satisfied and im not left wondering if…
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Sisters Full & Final Payment Accepted!!
Morning Guys Been helping my sister to sort her finances. Her son is disabled and on Income Support etc. I drafted a letter for a full and final payment explaining basic details and this morning she has received a letter accepting the full and final payment of £200. The outstanding amount is £813-so thats 75% written off…
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Spendaholics on now!
Don't forget this is on now - I've missed it the last few weeks! BBC3 Seaxx
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What will you/have you spent 25th May
Meeting my sister for out monthly breakfast treat & its my turn to buy. So have no idea. Depends where we go. Hopefully Debenhams! I need hair conditioner as well. Hopefully Boots will have some offers. Also did a food inventory so need to get a few bits for that, estimate £20 on that. Will post back later with proper…
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Fell off the wagon
Someone please help me. I fell off the wagon yesterday and blew bearly 2k on a wretched casino online. Now i'm in deep :( I was so happy at getting my charges back, then got dumped and it all went pear shaped. No excuse i know but i did it. feel like crap and need some help. fast! I now have a £2600 overdraft and i'm only…
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job seekers allowance
My husband has died recently. He had just come off incapacity after having a brain tumour removed last year. He let his life insurance lapse and now my children and myself have only my salary. Ihave used all our savings to give him a dignified and loving funeral, but it has left me with nothing of any significance. I have…
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applepie SOA
As a long time lurker I think it's time I posted my SOA to see if there are any ways to cut back applepie .
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the bring your own lunch rant
The 'bring your own lunch to work' discussion crops up quite often, but I just want to have a wee rant about this, as I bet my employers aren't the only ones to do this! We have a staff canteen, all subsidised by the company, but still not cheap in comparison to bringing your own. But heres whats really annoying. We don't…
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Reality Check Update
Hi All, I had so much brilliant advice last week from you all that I have been working through it all this week and here is what has happened so far! I have a letter from the IFA stating that the policies I had from the bank are totally useless. I have income protection for my hubby that would not even pay out as he would…
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I Love Coins!
Forget big note denominations, I love coins! This site has given me a new love for these things that used to weigh down my pocket and get given away ASAP! I have a £2 coing tin, a £1 coing tin, 20p jar, copper pig and a 50p pint glass!!!! I got so excited when someone says "Sorry, we have run out of notes I'll have to give…
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Looking for help
Dear all, I'm finding myself in a financial cul-de-sac at the moment and need some ideas and inspiration to help me out of this. My current take home salary each month averages between £1350-1400 depending on how much overtime I do. My outgoings - £325.74 mortgage £33.00 home/contents insurance £64.00 council tax £30.00…
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Money savvy or stupid?
My husband was offered the chance to buy a car from a guy from work a couple of days ago. He wanted £1,500 for it but my husband haggled to £1,200. Once the M.O.T is done I was assured we could sell it for £3,500 - £4,000 (guy was selling it because he bought a new one and was too lazy to get the M.O.T done himself and…