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Help! 28yr old needing debt / saving advice and guidnace
Hi, Totally new to this forum. I am 28 years old and currently want to save for a house deposit £20k and a Wedding £20k. My partner and me have approx £2800 in debt and no savings as of yet. We want to have the £40k saved by June 2018. Are there any good budgeting apps out there? (don't have a PC/Laptop) We would welcome…
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EagerLearner's Guide to Free Daily Cashback - Part Trois!
SEE MARTIN'S GREAT ARTICLE ON CASHBACK SITES: http://www.moneysavingexpert.com/sho...es-comparison/ Hi all, My old thread #1 here: http://forums.moneysavingexpert.com/....html?t=609037 and part 2 here: http://forums.moneysavingexpert.com/showthread.php?t=2132075 Got rather long so here's a fresh part Trois :beer: After…
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Debt Arrangement Scheme and personal Injury Claim
Hi I have quite a bit of debt and I am wanting to go into a DAS. I am due to receive money for a road accident but my wife wants it paid into her account due to my gambling problem and the money I have used from our family. If i enter into a DAS and pay the claim into her account will they find out about it? I live in…
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1 Debt vs 100 days part 18
Welcome in the 1 Debt vs 100 days challenge part 18! There's one and simple rule : tackle a debt , however small , and pay it off within 100 days. This challenge starts at 26th January and finishes 6th May 2015. 1. Mrshubbard £120/561 2. Kirstydriver £751/900 3. LoLo £34.08/300 4. Onlygoingforward £3500 5. GaLa15 £7000 6.…
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Make £10 a day April 2015 challenge
Hello and welcome everybody This is the 92nd month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but please read as it give…
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NST Challenge - Spring is here!
NST – Spring is here! At the start of our debt free journeys, we all make drastic changes to our spending and make great head way on the debt. At the start of each year, we all feel renewed with enthusiasm and refocus on our debts. However, every month of our debt free journey is just as important as the start of the…
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April 'Take Your Lunch to Work' Challenge.
It's back, by popular demand! Save your £'s by taking your Lunch To Work (LTW)! A new thread for April 2015!! Although the title is 'Take Your Lunch to WORK', ANYONE can join in You can be a stay-at-home-parent, unemployed, work part time or work full time. The point is, buying lunch (or breakfast, or both if you were…
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Sell it on Facebook in 2015
This is a place where you challenge yourself to put all your unwanted items weather it be clothes, DVD's/games, Bric-a-brac, cars or anything you want rid off on Facebook to make a little extra £££££ in your pocket!! No matter where you are in the UK I am pretty sure there will be at least one buying/selling Facebook group…
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Payment A Day Chapter 15
*The principles of PADding* Emily Hallett started a fantastic thread called 'a payment a day' which you can find here: Thread 1 The thread was a huge success and was continued in 'A Payment a Day Parts 2-12'. Those threads can be found here: Thread 2 Thread 3 Thread 4 Thread 5 Thread 6 Thread 7 Thread 8 Thread 9 Thread 10…
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What do you get for free?
Hi! I am writing an article for a national women's magazine about women who get things for free. I am looking for someone with a good story to tell about something they get/got for free. I can pay a small cash sum for your story. It could be: - free haircuts by being a salon 'model'?? -free gym membership in exchange for…
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Owe bank money...but do they also owe me?
Hi! After being made redundant last summer, I experienced financial difficulties. I had an overdraft of over £1000, a loan and credit card. I was also unable to pay utilities, council tax and tv license. My finances are now being managed by a charitable organisations who are fee free :j However, after reading about how I…
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Snowball Saving Challenge #1 2015
This challenge is a little like the Debt Snowball challenge where you'd work to pay off your debts starting with the smallest amount first then working up to paying off the largest. However, This challenge is about starting from a relatively small savings goal and working towards a bigger saving goal. This challenge…
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Make £10 a day March 2015 challenge thread
:hello: Hello and welcome everybody This is the 91st month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but please read as it…
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The Mad March NSD Skiing Holiday Challenge
As March approaches,we've grown weary of the heat out here in the savannah,and are looking forward to heading to the slopes and skiing ourselves silly.I know that skiing is expensive,but we nsders are a cunning bunch of moth cultivators and penny pinchers,and are determined to get a good deal. Now,our base will be at the…
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The big NSTurtle March to sea!
The big NSTurtle March to sea! NST stands for Ninja Saving Turtle as this challenge is roughly based on the ones started by NINJASAVINGKAT in 2012. Check them out if you're new. Welcome to March! This is not a race but a steady march like freshly hatched baby turtles on their way to the sea. We’d like to change our…
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March 2015- Take Your Lunch to Work Challenge.
It's back, by popular demand- Thanks to those who PM'd me asking me to revive this challenge- your wish is my command Save your £'s by taking your Lunch To Work (LTW)! A new thread for March 2015!! Although the title is 'Take Your Lunch to WORK', ANYONE can join in You can be a stay-at-home-parent, unemployed, work part…
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Make £10 a Day Challenge February 2015 - everybody welcome
Hello and welcome everybody This is the 90th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but please read as it give…
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Help! How long must a debt be 'dormant' before it is written off???
Hi, I am desperately trying to organise my finances and get debt free and improve my credit rating after years of ignoring it all :( Brief background is that when I was a lot younger I just thought money was free and took out catalouges etc. I now believe most of those are paid off with a loan i took out to consolidate my…
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Questionable bailif charges
Hello, Please can someone advise on my ongoing woe. This a council tax debt from 2010 A baillif visited and dropped a letter with the head in Attendance Notice To Take control of Goods. This was for a balance of council tax from about 5 years ago, which I've been paying back at the rate of £20 per month, however I've…
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The Flippin' Fantastic February Safari NSD Challenge!
Yes,February will soon be here,but the NSD gang are resolutely turning their backs on the blinkin' cold,wet and 'orrible weather.Thanks to a highly democratic vote of one (that's you scotmumof3),we are heading off for an African safari! So,we are ready to fire up The Tardis again,to whizz us off to the Masai Mara,all from…