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Becoming debt free within 18 months
Hello, Just an intro into me, i have tried many times but something happens as i give up. This time however i am not stopping. If i create a diary i will have to answer to myself. I am mid 30s with a partner who is studying and working part time and i work full time and study. We have a dd who is 10. I am going to try and…
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Oops I did it again
I have been around on the diaries on and off over the last few years, I am never massively in debt but never actually out of debt so I want to kick my own butt and sort this out. I have got a loan- sat in a savings account at the moment, which I have taken out for bariatric surgery which I am planning to have in the summer…
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Oh pants I messed up BIG!!!
Ok so I have been lurking in a major way for the last 2 weeks after having my lightbulb moment. I have had a pretty rough 2 months and lost both of my bears (labradors) in quick succession (they were both very old for labs) and then I had a minor breakdown over everything and my finances came bubbling out to my OH after…
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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 http://forums.moneysavingexpert.com/showthread.php?t=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…
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Diary of a 30-something idiot
Hi everyone, I've been lurking on MSE for a LONG time desperately trying to ping my reluctant brain into some form of lightbulb mode. My life is imploding around me and my ADHD brain is constantly seeking dopamine and for years that has been through the form of impulse purchases, which obviously has caused me some huge…
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My Debt Detox
Evening everyone, I've taken the first leap into clearing up the mess of debt I have accumulated over the years, and frankly feel petrified. So thought by starting a diary I can (hopefully) look back in the future & give myself a pat on the back for getting things sorted. Debt crept up on me through a mixture of poor…
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Accountability Queen
Hello everyone :) I've had a couple of years of big expenses, some expected and some not. Our house desperately needed new windows and then earlier this year mine and my husbands cars needed work doing unexpectedly, I actually had to replace my car in the end. We have a holiday booked for summer which was booked a long…
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On the path to financial security
Hello! I’ve struggled with money management for around 10 years, ever since I left home aged 15. I’m in around £10,000 of debt from credit cards, store catalogues and unpaid bills (not through being unable to afford them, just through becoming very overwhelmed and avoiding the issue). I’m in a much better place mentally…
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Sixty Thousand to clear in 4 years!
I had a previous diary that worked well but drifted away from and didn't keep up with the changes in my life. At that point I had a similar debt but in a sense less to show for it and less able to pay it off. Now with a 2nd baby on the way our little family will be complete and I want our finances and other aspects of our…
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Advice Please
Good Evening People! I don’t know how to start but here goes. I have always had debts but have always managed to stay on top of them until recently. I have 8.5K with Barclaycard these being multiple balance transfers paying £400 a month but due to be charged more interest as coming to the end of my 0% offer. I have 3.5k…
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Geriatricmum vs inner voice: A monologue
Me: "Kids are at school and nursey, workout done, kitchen clean, 100th wash in the machine.... Time to relax with a cuppa and maybe browse the sales." Inner voice: "you have £44.39 in your current account and zero savings" Me: "yeah but I can pop it on the credit card!" Inner voice : "you're currently using over 92% of the…
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Finally taking back control after a decade of debt
Hello, Long-time lurker, first-time poster. I've had CC debt ever since moving to London after university around 9 years ago. Coming here for work on a very low wage, I quickly ate through my savings and started racking up debt on credit cards, without any real means to pay it off. Came to a bit of a head when I ended up…
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Dreaming of being Debt Free
Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…
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Breaking through the debt and life challenges
Hi everyone, I read a number of diaries here and I figured it's time I should start a diary of my own as a means to help track my progress on getting rid of the debt and possibly help me vent and unload some of the personal and family life struggles and challenges. Our position isn't bad but I'd like to clear the debts to…
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Got to get started Chipping away at it.
So ive been struggling with my debt for a number of years now . And have struggled with debt in the past as well . I came out of uni in what was comparative to my earnings at the time quite a bit of debt. Managed to sort that in my early twenties and was actually really well disciplined . Then I think I fell of the wagon…
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Debt a day
Hi all I did this many moons ago and it just helped massively to see the figures going down, I've got back into trouble again so I need to make a concerted effort this year so here goes: MBNA credit card 0% for 12 months- £7,941.87 Tesco loan 7.5% - £13,193.56 (40 months left) Total: £21,135.43 I have already paid off…
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Clearing my debts 1% at a time
I've been in a dmp since September 18 and am managing to have a little left over some months, I saw a thread from last year about paying 1% at a time, currently I'll be debt free in September 27 and my last negative marker will disappear in may 2026. Hopefully I can pay off 1% at a time which seems more manageable at £250…
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Walking into another chapter ...
Welcome one and all ... to those of you who have managed to avoid my diaries until now as well as those loyal ones of you who have stuck around over the years, thank you :) So another year is about to begin and now seems as good a time as any to start a new diary. This will be my 11th (I think?), I've been around here…
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Over the Rainbow and Quest for a Unicorn
Time for a shiny new diary! It's been so long since my last post in my old diary that it appears to have been closed! Link to old diary here! https://forums.moneysavingexpert.com/discussion/4590301/over-the-rainbow-and-happy-ever-after I haven't posted in 4.5 years! It is so inspiring to come back on MSE and see that…
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Three years to get debt free
Morning, I have had a diary on here before but had to close it down. I am a single mum with an 8 year old DD. I have found myself in debt since the age of 18 when I went to university and have been in it ever since. I decided to change this in 2017 and then found myself a single parent in 2018 and having to attain more…