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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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Road To Financial Recovery
Ah, time to get back into the race so to speak, can’t believe I am doing this again.It is time to start taking finances seriously again. It is a rubbish feeling to be back in a position where I feel my finances are back in a mess. There isn’t any major debt so that is a positive of course but feel like a plan is needed…
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Sashybo - Back Again
Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE. Current debt now under 10K. :j This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago. I must admit we have slipped…
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Evasive action! Stop the trench becoming a hole.
I need to take evasive action, and I need to hold myself accountable. I'm not going to call where I am a hole. It's still a rut. A trench. I've got savings, but they are in accounts where they earn good interest rates so I hate touching them. I've just moved house, and I've been doing a money shuffle every month, borrowing…
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One man band......
Evening. I've been here before and closed down my diary, but I missed having people to talk to about my financial woes. Not one person knows my situation and makes the burdon quite heavy. I have considerable debt. It was at £45,000 and now sits at £27,000. It's a mixture of leaving my first partner and taking on all our…
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In the Meantime
The meantime is the time between two events. The two events that bookend my meantime are a death and moving into my long term home. In the meantime I will rest, practise self care and kindness. I will be planning and plotting for the next phase of my life. My beautiful relative died and was buried the week before…
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My journey to health, wealth (well, saving for works to house, so not really!) and hobbies
Starting a new diary as feel like I need a fresh start/new motivation. 43, married, 2 young DC. Work almost FT (28 hours) in a professional job. No current debt (other than a mortgage) but been in serious debt in the past due to stupid choices, mainly to try to keep up with the Jones's. Still have a tendency to feel…
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My Intentional Journey to Debt Freedom
Hello everyone I have been following along for several years but only started posting recently. I have followed some inspiring journeys on this board and been amazed at the progress people have made - yet somehow never applied it to my own situation or considered that the lessons might be relevant to me. A little about me…
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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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2020++ - smiling and waving and looking so fine
Hello welcome to my shiny new 5 years (I hope) diary. The title is based on my favourite lyric from the Bowie song 5 years - https://www.youtube.com/watch?v=4bcnO3VQ_fc - I commend you to go and have a listen - its the live Old Grey Whistle Test version and is hauntingly beautiful. Why a 5 year diary - well its is…
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Kezzy's debt journey 2024
I've been a member here for a long time, but for the first time I am going to create my own debt free diary. A little about me:nhs nurse, married mother of 2, and 2 doggie children. I have a bit of a problem with gambling, but hopefully I'm addressing it now I have used gamstop to block myself from uk sites. Lightbulb…
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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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We will get this debt down & the savings up
Several years ago I joined MSE with a different user name, but then it all went a bit wrong with losing job and other things, so I sort of fell by the wayside. Now I have created a new profile and am starting again with more determination. I have read so many people's diaries and can see that it helps you focus and it is…
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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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Budgeting by the beach
I've been on here lurking for some time, and I think it's time I started my own diary and keep it updated. I originally tried to get this diary started in 2021, but just wrote one post which I then deleted. I've decided to resurrect this one on Friday 6 May 2022. Last year I decided I needed a fresh start, so I moved close…
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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…