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Fresh Diary for 2024!
Hey all who follow along! Here's my new diary for 2024; Last year my beginning debt stood at £295. But now starting 2024 it stand's at £1,104.65 as I lost control and stopped tracking. Here's to being debt free in 2024! My goals for this year - Get debt gone - Buy my house (75k so nice and cheap) - Meal plan/prep - Cut out…
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Back here with more debt than ever before
As the title suggest I’m back with more debt than I ever had before. House improvements, holidays and it all just crept back up over the years. The usual story of credit cars, then loans to pay the credit cards off and now both credit cards and loans. But also for the first time I’m being refused credit and refused 0%…
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Frugal, thrifty, make do, mend! Let this debt come to an end!
Hello all, So by my reckoning, that magic spell in the title should take about 4 years and 4 months to take effect at current debt repayment and spending rates. :rotfl:. However, there is no harm in trying to help things along a little, is there? I am recently divorced and live on my own in a rented house with my 2 cats.…
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A Cup of Coffee and Two Paracetamol - Debt, Disability and Getting Organised
Finding courage to start a diary and stay focused, and have some support and accountability with other people. I am at a point where I really need to focus on managing debt and organization of money. I am entirely embarrassed by the amount of debt I have (vs income anyway) and it's making monthly budgeting a juggle and…
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Moving from StepChange to Self Managed DMP...)
Hello all :) I've been on a DMP with StepChange for three years and my debt currently stands at £2,555 and I owe to six creditors - four are with debt collection agencies and two are still with the original creditor. SC have been brilliant and a life saver at the start of the plan - the thing is I have been considering…
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First timer seeking accountability
Hi all! 👋 Firstly I am a long time lurker 👀 first time poster. Little obligational background for context: 32 year old married mum of 3 aged almost 18, 8 and almost 3! Was in an abusive relationship from age 13 until I managed to flee with my son in 2010. Met my now husband late 2011 and the rest is history. We have two…
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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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From broke to better ..a journey
Hi everyone. Well today is, as they say, the first day of the rest of my life. The first real day of my journey to get rid of debt. I am alone in this. No partner and no family for support so I am finding myself tearful and scared. I know noone here can hold my hand, but I've seen so much support on other people's diaries…
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One day at a time
Im starting this dairy to keep track and hold myself accountable. unsecured debts of £54k. Have clearly been living off CC more than i ever realised. All been low apr or 0% BT, now coming to an end this year, interest is killing me, monthly payments circa £1200. My OH knew nothing of any of it, they knew we had a loan and…
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It's the final countdown...£10k to go
It's too long a background to go through, but I have kept a handy, if not 100% accurate, log of what debt I've paid off over the last 4 years, which gives some context: 2017 I paid off £6,164.44 2018 I paid off £2,184.60 2019 I paid off £8,928.25 2020 so far I have paid off £10,297.08 That's a lot of money. It includes 2…
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Trying to reboot my journey without burning out
Hi there in diary land, I have been here before but diary long since been archived, so thought I’d start a fresh. A bit of quick background: single, 50 year old gal, no
children, love travelling. Due a disastrous business investment, a long term relationship
breakdown, I found myself with 25k debt,
no home, no savings, a…
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Getting on track
Hi guys. I have finally decided that not only am I useless with money, but I can't try to go it alone any more and expect things to get better. I am seeking the advice of the MSE sages and looking to try get a hold of my finances. Could someone please point me in the right direction for how to get started, I assume by me…
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Debt free and staying that way while I re-evaluate life and keep blood sugar levels down
Well dear debt-free aficionados, after reading and commenting on so many diaries on this board, I am launching myself into the abyss! Although debt-free now, you do all feel like my tribe because over 3-5 years several years ago, I did manage to.pay off £140k. Yup, that's right; no need to clean your specs though please…
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My Debt Free Journey
So, took a recent stockade of my debt situation and realize how bad things have gotten. I've had pretty high credit usage for a number of years but constantly just swapped to 0% deals and never took a great concern towards it as it was always more than manageable. My debt was around 11k around the time the pandemic started…
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Feels like im going under!
Hi Guys, i posted in July but cant find the topic. I could give you the reasons but it'd be a long write, and the content of the issue would be the same. Bottom line started a new job and by the time I did everything had changed (had to give 4 months notice in old one): NI increase Energy bill doubled fuel (petrol)…
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I can do it: £41,000 debt in October 2023. Debt-free in March 2025?
Updated Debt-Free Plan October 2023 I updated my debt free plan to including paying off secured debt (including student loan). My mortgage fixed term runs out in January 2026. The new objective is to apply for remortgage debt-free in December 2025. Starting debt in October 2023 Total debt: £41,265.45 -Credit…
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My overhauling journey to debt freedom
After lurking in here for a while and seeing how people find themselves more accountable by posting regular updates I have decided to give it a go myself I find myself in debt after having low income jobs for a few years. Things are on the up as after finishing uni as a mature student last summer I started a new job in…
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It gets better!
Hi, I don’t have much people to tell but I’m almost at the end of my debt journey. I have one final payment left of my DAS and that’s it - £32,000 paid! I started looking at this forum 6 years ago and got some advice. I got help through stepchange and started a DAS. To cut a long story short I had the typical reasons for…
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Time to slash the shopping budget and use up the store cupboard
This coming year I have to be more mindful of how much I spend on shopping and also want to save $1000 for an emergency fund; making this diary to keep accountable and to track progress as well as organizing myself. For the EF I will aim to sell what I can, mainly craft supplies, yarn etc and for the shopping I have set…
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Debt payment tracker
This isn't a diary really but I need somewhere to write this stuff down all in one place so I can keep track and see it all together. Will probably just edit first post as needed. Advice welcome (esp if I'm missing something obvious) Debts Priority - Tesco credit card - £1,567.02 (interest rate something like 20%) Priority…