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Minimumincome.org.uk reviews my situation.

I found this site - which is worth a look at to see how screwed you are financially. It is supposed to work out if your income and expenditure allows you to have a minimum standard of living.  However...

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Not as bad as it could've been, but still ...

The BBC have reported that the Teacher's Pension contribution will rise from 6.4% to 7.6%. Now in comparison to what could've happened (the proposed change to 9.6%) this is no where near the worst case...

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Are we going to dodge a bullet?

America are looking up the proverbial barrel at the moment, and unless they can sort out their new debt crisis, could take the rest of the world with them. If you can remember far back enough, the...

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Who are APEX credit management?

About six months ago, I got a phone call from APEX credit management wanting to talk to me about an outstanding debt that I had with a bank. They were very polite and courteous, but wanted me to give...

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The tax credit system fiasco!!

Tax credits, specifically child tax credit and working tax credit were relaunched in 2003 (Times - Tax Credits Explained) and although designed to be for the benefit of those who need help in...

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The trouble in London!!

I've been watching the 24 hours news channels regarding this - and although I know that the situation is being hyped up in the name of newsworthiness (good old sky news - at least they're not quite as...

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Paying back my Payday loan early!!

I had a result today!!! A few days ago, I mentioned that my wife and I had received a back payment on our miscalculated child tax credit. This allowed me to pay off a pay day loan earlier than...

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Keep your eye on eBay!!

So the police have threatened to track down every looter and prosecute them. I have a strategy ... ... and I will give you a fictional scenario to explain it: My name is "Richard the Rioter" and I've...

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My old sofa!!

Is ripped and torn with the stuffing coming out of it. I got it when me and the wife (then girlfriend) first started living together. We found it on freecycle, along with a matching chair. It's brown...

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Blackberry messaging service and corporate responsibility??

With the Blackberry messaging service (BBM) being used by the rioters in cities around Britain to co-ordinate their social misconduct (according to many sources including Alice Ritchie), why the hell...

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Trapped with expensive rents!

Financially, I want to move to a house which is more affordable. Ideally, I want to move somewhere with a garden so my son can run around. There is often talk about how renters cannot afford to buy a...

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The average child is above average?!?

Now I have a concern in how SATs results are being used. When they first came out, the average child should be at level 4. However, it appears that each year more and more children are becoming...

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You cannot be serious!!!

As reported on golemxiv-credo.blogspot.com apparently the disastrous decision that got us into this financial mess is now costing us even more money!!! "RBS has lost a quater of its share value in the...

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Positive Male Role Models.

In recent days, there has been much talk about children needing positive male role models in their lives in the absence of their fathers. I have even noticed this in the google searches that people...

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"Free at last! Free at last! Thank God Almighty, I'm free at last!"

Although it may be a bit melodramatic to compare my financial situation to the struggles that faced Martin Luther King Jr, the quote was too good not to use. I'm celebrating because I think I have...

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Carol Vorderman sticking her oar in.

It amazes me that a celebrity, albeit one with a great talent for maths and a supposedly high level of intelligence, is positioning herself as an educational expert. I say supposedly as she had made...

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My NQT hell and workplace bullying tragedy: Lesson One

I have thought long and hard about writing this article. It is very personal, and I have always had it in the back of my mind to write something on this blog about my experiences of my first permanent...

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My Credit Report

I looked up my credit report just to see if I had any outstanding debt that I wasn't aware of. I get free credit reports as a perk of having a Capital One credit card. I have to confess that I have...

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Travelling to Northern Ireland

My Wife's family all live near Belfast, and we have perfected the process of travelling there over the years. Today, I thought I would share with you the different methods I use and why. Scenario One:...

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A totally pointless post!!

Just thought I would waste time, effort and paper (oh no - thats right it's a website) by shamelessly promoting what is going to be coming up in my blog over the next few weeks. My aim is to be writing...

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How to get free books!!!

A few weeks ago I signed up to booksneeze and reviewed one of their books. I did this for one very simple reason ... I wanted the free book. It was an entertaining read. I reviewed it on here and on...

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Applying for a council house.

The sad thing is we could really do with paying a cheaper rent. However, we're never going to be able to get a council house, because, despite of our limited cash flow, we earn to much. More...

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Re-jigging the site.

As you can see I have made a few changes to the site in recent weeks. They are as follows. Change One: Scrolling headlines At the top of this page, you will notice a marquee or scrolling bar listing...

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The day my washing machine broke!

With our rented property, we were given a washing machine by the landlord. It was made clear at the time that this had been left behind by a previous owner and that the landlord was in no way...

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Going on a residential with the kids!!!

Problem is, they don't know I smoke, and I don't want them to know. There are very few places that I can hide whilst I'm there and as the course leader, my absence would be noticed. Do I give up on the...

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