 Barclays bank have charged me ? |
| i put money in account on 15th, dd came out 17th yet they say no funds in my account, r they usually this slow, can i charge them for making a mistake ? i have another dd coming out today, so no ... |
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 Can anyone give me some simple fundraiser ideas? |
| I am a team of 1 and I need some way to raise two thousand dollars by February of 2008 without having to sale cookie dough, sally foster, or stand on the side of street begging for donations. I am a ... |
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 Can anyone loan me $10,000. I am a very honest person and will repay the loan!!!? |
| I am a single mom of 5 children, lost a job 3 months ago, have a part time job and trying to work "online". It is slow and this is a small town, so good paying jobs are hard to find. I am ... |
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 Is it good consolidate your college loans? |
| I recieved all my loans from one lender for 2 years. Do you think it is necessary or better to consolidate my loans?... |
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 What expenses have you cut out in the past year because of the economy? |
| I have eliminated my news paper subscription, my family membership to a pool club, dining out, cutting way back on christmas, keeping my car longer than planned, vacation will be camping instead of a ... |
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 What should i d if i love to shop and my mom can't give me the money? |
| i have lived in california fo r3 years an di just got to go to nyc the best place to shpo and my mom can't by me every thing and my dad is deid so we do not have that much money and i can'... |
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 I desparately need $7500.00 with a horrible credit score.. Nobody will help...Does anybody know anyone? |
| With a horrible low credit score, I am unable to get any kind of loan except for payday loans at 600%... I'm in desparate need to pay those loans off and to pay off other debt at a normal ... |
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 Can anyone beat this? |
I have 78 pence in my bank account, two pounds fifty in my pocket, hardly any food in the house and don't paid till Friday!!!!!
Additional Details
GREENANDRED - I get paid monthly, ... |
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 Putting a cheque in the bank? |
| If I paid a cheque in yesterday from my barcalys to another barclays account, how long would it take to clear and when would it show in my bank?... |
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 Not to get too personal? |
| but I stress about money so much! How much do you guys usually have in your account at any given time?... |
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 How can I make lots of money in a short time? |
| I am in a money crisis! I need to use about 500 per month but the allowance i get is only less than 80 per month. I am just a helpless teen aged 16 with no other income, pls help me!!!... |
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nytidie | Im in debt up to my ears 20,000 at least at 31.Where do i start to build a life? |
i have been passed on job opportunities because they actually check yor credit rating on some well paying positions.. im at a loss. i feel like im covered in dirt and cant dig my way out. |
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Leo
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1. Cut up your credit cards, close the accounts, and swear never to borrow money again, except for possibly a house.
2. Write a budget. Stop spending more than you make or close to it...stop buying stuff to impress people you don't like. This budget should cover EVERYTHING you will spend...every dollar has a name, and it goes where you say
3. After you write the budget, follow it, it is your law now.
4. List all your debts, smallest to largest.
5. Take every BIT of extra money that you have after writing your budget and put it onto that first, smallest debt in order to pay it off as fast as possible.
6. After that one is paid off, take the extra money AND the amount that was the minimum payment on that first debt and apply this amount to the next one until IT is paid off and then keep on rolling.
Edit: added: Do NOT do debt consolidation...this will not help you, it will only trick you into thinking things are okay. I've done debt consolidation, you will think you are 'okay' and go back to your habits of borrowing. Live with what you have made, live within your means and pay off the bills as I've said.
Do NOT do any of those debt management deals where they tell you you have to stop paying and they can lower your debts and interest rates. Most of them are frauds and you will not only be welshing on debts you actually owe (parts of them at least) but also destroying your credit rating for no reason (you don't really need a credit rating but you're concerned and insurance companies and employers are for some reason using them).
Do NOT get loans to payoff loans.
You CAN do credit card surfing for interest rate reductions but you have to be incredibly vigilant to do this. You've played with snakes already...stop doing it. Interest rates are not your problem. Doing the snowball method of repayment will reward you faster than worrying about interest. You can say "Look I paid off THIS bill..and THIS one...I'm on my way out of the hole!" The psychology of this method works. I am currently following it and I have HOPE for the first time in a long time. |
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homeschoolmom
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The first thing you need to do is get rid of any credit cards (you didn't say if this was credit card debt, student loans, auto loans...).
Next, you need to find out just how bad it is. List all of your debts on a piece of paper, including who you owe (bank, finance company, friend/family), how much you owe, what the interest rate is, and what the minimum monthly payment is.
Pay them off in order of SMALLEST balance to largest (the difference in interest paid between this method and paying the highest interest rate first is REALLY small). Pay the minimum on everything except the smallest and put as much as you can on that ('til it hurts). Once this is paid off, take the money you were paying them and ADD it to the next smallest, keeping your total debt-reduction payment the same. This is called a debt snowball. By the end, all of your money is going to your largest debt and it's gone in no time. |
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Curious Kitty
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Most importantly, make sure you pay your bills every month. Some creditors will work with you on payment plans. Make a budget and stick to it. |
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Cheshire Cat
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Well, if you are covered in dirt, you should take a bath!
On the other hand, from what I have read and seen about wealth and wealth building, unless you had substantial money (and to you and me that means like maybe $10k-100k to pay with when we started at 18 - I'm 33), then it might help to know that most people don't "make it" until they are too damn old to enjoy it. Most of the world's millionaires are over 60. So on the "bright side" we have about another lifetime before we're rolling in dough - assuming it ever happens.
You might also be exaggerating. It depends on where you owe that 20,000. If it's mostly house and education loans (and you have both to show for it) then your assets are actually justifiable. IF, however, you thought buying a flashy car would attract women to more than just your car - that would be a really bad investment - both financially and in thinking women will like you instead of just the car.
If it is high interest credit card debt, then, yes, you have some trouble, but not completely impossible to get out of...
What field are you in that people check your credit as a condition of your employment? Managing large sums of money?? Not all employers will do this for all jobs, but if you want to be managing other people's money then, absolutely, they will be checking to see if you are responsible with your own funds... |
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Piffle
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go to a debt managemtn company, you cant do without help. there are allot of people out there to help u if you live in a democratic country. |
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zippythejessi
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I think you have two options - either debt consolidation or bankruptcy. Neither is jump for joy great, but you've gotta do what you gotta do.
Good luck! |
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Hippie Chick
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Only $20,000??? Lucky you. Debt....the American way. |
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monkeysac
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http://loans.mamayek.com/index.html |
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Roz
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maybe you should look into consolidating your debt. |
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BeachBABE
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OK ready? First pay off the full debt on the debt with the highest interest rate and then work your way down. Keep paying the minimum on everything else but any extra money you have should go to the highest interest debt. Cut back on wants so you can devote that extra money to paying down your debt. |
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Darcy R
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I would try to look into cutting any unnecessary costs you would not believe once you start writing everything down what you are actually wasting money on. Then call or write each company that you owe money to and offer a payment plan that would fit your now slimmed down budget.
True opportunity reveals itself at the perfect time. If you are interested in starting your own business, I am always looking to add qualified motivated individuals to my team.
My favorite quote..." It is great to be on the right track, but you will get run over if you just sit there."
I stopped just sitting there!!! |
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stu22aus
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Get the best-paying job you can (anything) and work hard for a year or two to put as much moolah towards it as possible.
If it's a debt that is spread around, consolidation will be cheaper and easier to manage.
20,000 isn't that much, so don't let it get you down.
P.S. cut up your credit cards! |
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Neea_Gastino
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Try to see if you can get with a debt counseling service like CCCS they can help you consolidate your debt. Then you can try to get your way out of the hole.
Good luck, I know that can be hard to handle sometimes, but IMO companies should not look at a credit report to know if a person is dependable, knowledgeable and can perform their job well. |
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I_HEAR_YA !
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Go speak to a credit counselor for money management at a reputable non-profit company in your area. They will advise a financial plan. Stick to the plan! |
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redskinschicknc
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First cut up all your credit cards except one that you should only use in case of an emergency.
Look into consolidating your debt. Some banks offer lower interest rates. You could also put some of the debt on a 0% card or lower interest rate card. I am sure you get many offers through the mail. Just make sure you mark your calendar for when the offer runs out. You then can transfer what is left to another card. WARNING...You have to be very disciplined to do this.
If you choose not to consolidate. Then pick your highest interest rate debt and pay extra on it each month. Once that is paid of continue on to the next card.
Finally, stop over spending!! If you can't pay for it in cash you don't need it.
Good Luck!! |
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