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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…
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Interest rates increase!!!!
Not really sure this is the right place to post this but it is very relevant to us all. Interest rate have just increased to 4.75% a rise of 0.25% the first change in 11 months and the first increase in 2 years. They say the increase is due to inflation. Two words energy companies:mad:
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Martin's on BBC Radio London this morning
Apologies if this is not the right board for this, but Martin will be on BBC Radio London (94.9 FM) this morning in the next hour or so. Nicola
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Angry With Payplan
:mad: I'm £26k in debt and Payplan told me on the phone today that I'm not. So the letter from my bank telling me I'm over my overdraft limit...yadda yadda means nothing?! I'm afraid I'm far too angry to do my SOF right now - just needed to let off steam! Aparantly I earn too much. Yeh right, if I earnt too much I wouldn't…
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I've Broken The £4000 Barrier!!!
As you can all see from my signature below, My Capital ONE card started with a balance of £9,400 in 2004, This is when I tuned into Martin's Site and he was going on about their 3.9% for the LOB, I duly followed his advice and now two year later, give or take a couple of months my balance is now down to £3,968:j :j target…
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Saraya's Debt Diary
Just thought some of you might be interested in reading Saraya's debt diary from the bbc news website http://news.bbc.co.uk/1/hi/business/4997170.stm This is the start of it but it goes up to diary entry 13 at present. Her husband owns a restaurant and they have a buy to let flat to sell but they are battling debt and it…