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New Tax thingy
May have to save a little money so that I can cover the bills in the next couple of months (ie not put so much of it on the bad CC). I have no idea how the changes to the tax and NI system will effect my pay. Since my pay is much lower than 30k my understanding was that my take home pay would go up slightly. However when I…
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Starting my Journey
If we carry on the way we are, in 4 years we willl owe £48,000+ on debts alone. Making the small changes and taking advice from this forum, I have worked out that if I make some changes and not even big changes. In 4 years time we will owe £2,000 :o . Let see if we can do it. I'll post up monthly balances on this thread.…
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Back on the Wagon!
Hi all Well i logged on today to find the last update i did was in Sept of last year!!! not good in keeping on track i feel. so now i back a little older hopefully a little wiser and ready to clear the rest of the debt. i know have any even bigger reason then ever as i am currently 6 months pregnant with first baby (very…
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5 years to go thread
Having battled to keep head afloat I finally succumbed tot he inevitable and have decided to do something about it. In the summer months I earn substantial money , in the winter less so. Debts Im aiming to clear in 5 years Firstdirect 6500 - card at 19.6% - £195 a month Egg 5000 personal loan, 8% at £240 a month Northern…
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The weight of the world.....
Do you ever have days where you feel like the weight of the world is on your shoulders and you just can't shake it......... Hi I'm Red, I've been lurking and post on this thread for a couple of years now and I Love it, i pop in every now and again to see how everyone is doing and then plod off back to the world, and with…
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Poor but happy at 55 need to be debt free to retire!!!
Hello I have been lurking on this site for about a year or so and receiving Martin's email and thanks to you all I have cut back spending and live on a budget BUT I still have a debt on credit cards of £28157.09 all neatly recorded on a spreadsheet. The problem is sticking to said budget and totally focusing on clearing…
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My Accountability Diary
I hope no-one minds me starting a diary as a new poster. I'm not new to the site, I've been using it for many years for all the great money saving advice and love seeing Martin on TV sorting everyone out. The idea of starting this is to keep me accountable, if I say I'm going to do something, then I have to do it, right?…
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Mumsy 2 2 boys gets debt free!
Hello people of the internet. :j:j Now I have tried before, and succcessfully failed with a debt free diary - so here is my second attempt. :mad: Being a long time luker of people like moo2moo, Lula Hula and flying fresian I decided to start agin. I have been trying to keep a daily spends diary for a few months now and…
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The Lost Academic's Diary 2011
Since lurking around on MSE for a couple of years i have decided that i need an outlet for myself to keep me focused on my challenges and to give me somewhere to put my thoughts. So a little about me I'm a single 28 year old girl with one small hamster called Tristan. I got my doctorate in 2007 but have failed to find a…
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From out of the shadows
Hi all! So I've been lurking for a little while now and i've decided to come out of the shadows. I have been in debt for some years now and have never really tackled it. It has grown and grown and then I've paid some off and then it's grown some more. Lurking has made me realise that I'm not the only one going through…
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Dollys' Discombobulated Debt
Not really sure how to start this, my relationship in the past with diaries has been a bit sketchy, had a lovely diary from OH last year with the promise i would keep it for a whole year (one of my 100 things to do .....) but gave up in about mid Feb. So I am hoping this will be a bit more reliable!! The purpose of this is…
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Quaffle's Diary - It's great to be back!
Hi everyone, I can't tell you how fantastic it is to be back. I have a brand new Username to denote my brand new start, but some of you may remember me as Strumpet. Can't wait to find out what you've all been up to, and to seriously begin the task of paying off my Credit Card and then moving on to saving up for my tax bill…
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Living without a car to pay debts
Two years ago I bought a car for £9k and have been paying off at £193 a month with a year and a bit to go. Recently I bought a new bicycle and am slowly starting to cycle to work. I live on a good bus route which goes reasonably close to my work and a good train route which gets very close to work. I am starting to wonder…
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DFW'ers photographic challenge - use those £££ cameras!
This thread has been born from a conversation over on Pippilongstocking's thread where several of us were talking about the shameful neglect our cameras are facing. For many of us the purchase of said cameras have added to debt, in the long or short term, so then letting them gather dust seems crazy! So, what's the idea of…
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My Diary (for what its worth)
Day 1 of my DFW diary. Was probably going to have a NSD, but always think its advisable to check out the orange sticker deals in my local Co-op. I bought 2 packs of 6 hot cross buns, 1 Warburtons Farmhouse loaf, 1 unsliced Cob Loaf, 1 punnet raspberries, 1 pack of 5 Smartie Cookies, 1 Haggis Neeps and Tatties ready meal…
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I Challenge You..save Money You Find On Street..1yr
Pretty obvious challenge really..when your out and about,walking dogs,at work,shopping...pick up any money you find on street or elsewhere,and save it in a separate pot all year...lets see who has the most at end of year!!:confused: So far whilst walking dogs DH has found £1.12 just this week!!:T
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The Pursuit of Happiness
Ok, £20,000+ in debt later and I finally realised that paying the minimum payments was not going to clear my debt and was leaving me wide open to being in dire financialy trouble. A bit about me, I'm a 38 year old, semi-single mother of one dd who is 9. I live in London and work part time. I'm of the age where I should…
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Divide and Conquer - My last DFW diary
Hi everyone This will be my last DFW diary. Why? Because I will be debt free by the end of it. I am around £37,500 in debt. My plan is to think of 100 ways to make £375 and then pay this off my debt. I get bored very easily so I thought that having 100 different activities will mean that I won't have time to get bored as I…
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13 Moons ... ( *** Off, I'm Fabulous )
:hello: Beautiful People & welcome to the [STRIKE]next [/STRIKE] ahem, final chapter in the mighty long & rather winding road I'm dragging myself along towards the wondrous realms of 'Debt Freedom'. I believe that 'Debt Freedom' is a magical, happy place where I & everyone else here truly belongs & that one day we will all…
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I've messed up again! Its the story of me!
Hi everyone, If you read my diary before then you will know that I was dealing with my financial issues however I had a couple of days away from the computer and took a turn for the worst! Financially! I failed! And boy do I feel bad! I feel like I have let everything down, I feel like I have gone back to my old ways and…