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After 20+ years here I'm not sure where I belong anymore ...
So it's time for a brand new diary, welcome to anyone new, welcome back to anyone who has followed my journey along the way. I've been on here since I became a single parent in 2005, recording the highs, the lows, and mainly the hum drum of everyday life, all while trying to save my pennies. I've always loved this board…
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Debt, Endo but now Pregnancy and a now Reno-d rental
Hi! I’ve been reading different diaries for a while and think I need to hold myself accountable! I have a slightly odd set up as I live with the boyf, but have a house that’s now a holiday let/buy-to-let that I need to finish and get let out. I know evil landlord and all, but don’t want to put all my eggs in one basket…
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Let's get this sorted then!
Hey everyone, I went back to uni just before I turned 40, so have quite a lot of debt from that, and from generally trying to live whilst working and studying. I tackled a bit before the end of 2024, but that was mostly getting on top of things, doing some 0% balance transfers, and I paid of two small debts of about £250…
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The Three C's - Coffee, Clothes & Credit Cards
I'm back again and I thought I would start a new fresh diary. Life has been hectic for me in the last 6 months with some unexpected expenses that have sadly led to me getting into some more debt. Fortunately it is all on 0% credit cards and I plan to tackle it £1 at a time. Technically I do have enough in savings to cover…
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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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Flying solo
I previously had a diary (well actually I've a few) but in June I had a big life shift which meant I disappeared for a while! I've had a few attempts at trying to pay off debt, made great progress and then progress stopped and the debt increased again. But this time I seriously mean business and I am determined to get this…
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Busting this debt before 42
New year, new car and new loan, equals new diary. My previous dairy; Why am I doing this s**t agin? Right…because last year I had a midlife crisis and succumbed to the ‘shiny new car’ syndrome. Buggers. I very much enjoyed the challenge of debt busting last year so lets gooooooo round two! My finances so far: Sinking Fund:…
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Find the SecondStar and soar, and then straight on till the morning…
This feels like an appropriate time for a finance thread. Story time: My ex partner and I broke up 2 weeks ago. We had been together for 4.5 years, we bought a house together as joint tenants 2 years ago, and had been combining incomes and savings for 2 years. We have separated our savings, and he is exploring options to…
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Don't hit me with those negative waves Moriarity
I have lurked for a long time on this forum, then joined and lurked (and lurked some more). Maybe should have gone with an Adams family reference for the title but ho hum I'm here now. I think I'm ready to start a diary even though I've had one running through my head for months as I had my light bulb moment back in…
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Time to banish the debt.
I've been a lurker on here for a while now and kept meaning to start my own diary but for some reason or not I haven't, I now know it's probably because of the shame I'm feeling. I've had some kind of debt for as long as I can remember but never to this extent. 8 years ago I had just paid off £3000 on my credit card and…
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Paying the invoice
Built an intentional life, now it's time to pay the invoice. No regrets, made the best decisions from options available to me at the time. Short term sprint - pay of hbos clarity card In Sept 2026 - debt consolidation Gratitudes - health, family, home, stability, options.
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Small Business, Big Debts
Hello all Debt free wannabes! :) I posted on these Forums over 10 years ago, and it made such a huge impact on my (successful!) attempt to get debt free, but a LOT has changed in the last 10 years, so I’m back again! The accountability and kindness I received back then was invaluable to me, so I hope to bring some of that…
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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
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Keeping afloat till I can get round to the debts!
So here goes with a brand new diary. With the financial situation across the country as it is I'm going paycheck to paycheck and debts seem to be going up not down. It's time to take stock. Focus on the money actually lasting the month and forming a new plan. I've never been one for following the American debt fella but I…
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Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…
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Starting the journey...the road is currently bumpy.
My debt has always been there, nothing major - the odd holiday on 0% which is dutifully paid off then rinse and repeat. Then things changed, 5 years ago I lost my mum to Cancer - she loved life and was taken too young. From this my attitude changed, holidays booked, things bought, paying for friends - I wanted to live in…
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Reset 2026
So 2026 is going to be my reset year. Started September 2024 with 32000 in debt, cards & loans. By the end of December I will be down to 8995 - gotta add the extra just to get to a figure starting with 8! Hoping to clear the lot by the end of September 2026. I have a tax bill to pay by the end of Jan and the car MOT at the…
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Time to Face The Music
We have decided as a couple that it is time to face the music and start paying down some of our debts. We are lucky that we are both in jobs that pay ok but we have at times been living beyond our means and now it is time to start reining in the spending and making a concerted effort to cut the debt. Moving house last year…
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The 6 year plan!
I've had diaries before that have for various reasons lost their purpose. Last few years have had big changes in my life, I now have 2 children, I've completed my academic studies and now have a more driven passion for career progression. With this it feels like we have come to the top of our debts and now want to bring…
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5 Year Fixed - 60 Months to Financial Stability.........Hopefully!
Good day fellow DFWer's, Serial diary starter here, I know it's annoying, but in my ADHD brain I've had some changes so I need to start from scratch. I've just started on a new 5 year fixed mortgage so I'm going to set myself some goals over this period to get myself on track with my finances, home, weight and try to get…
