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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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Giving Up/Cutting Down Alcohol Thread part 18
Welcome!! Here we are again, time for a new thread, new starts and new challenges. Let's take a trip down memory lane and remind ourselves of In Search Of Me's original post on February 24th 2008 in Part 1: And here's what she started!!! Part 17 is HERE Part 16 is HERE Part 14 and 15 is HERE Part 13 is HERE Part 12 is HERE…
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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
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Small steps lead to big changes...
I thought I'd start a new diary for the new year. It always feels like time for a nice fresh start, and whilst I don't really make resolutions, it's always nice to have a plan of things I'd like to achieve. After many, many years of struggling, it feels like my finances are finally on a more even keel, and I have for the…
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An in-between phase
I am largely starting this thread so as to not rudely put a long whinge on the lovely @foxgloves and @EssexHebridean threads! I will talk a little more about my slightly unsettled life situation in due course, but for now, just whinging 😂 Today I have been trying to switch to a more money saving phone contract. It has been…
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
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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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Back on the wagon
Hi all. Its been well over 10 years since ive been on these forums, and have been quite frivolous with my cash by my standards over those years. Im probably far from the most in debt here but ive recently got the bug again and want to make massive inroads. So im a dad of two, and married. We have 87,000 left of the…
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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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Moving on
Welcome to my new thread: my old one is here: Cherry takes the reins — MoneySavingExpert Forum and my very old one is here: Coffee and chocolate — MoneySavingExpert Forum Quite a lot changed in 2023, and now it's time to move on. I left the job and career path I'd followed for many years and don't feel I can or should go…
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Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
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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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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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A Change is Gonna Come.................
At the age of 41 I've come to the realisation that I've lived my life being a bit of a people pleaser and always putting others needs before my own. Today I've decided that it's time to put myself first and focus on my own health, wealth, future and happiness. This is my era and it's time to plan, focus and start smashing…
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Moving on with things
I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…
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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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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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Managing Mat Leave
I've been meaning to start a diary thread on here for a little while. I'm due to start mat leave in 8 weeks which was not entirely planned, meaning from a financial point of view it's a little tight. Definitely manageable but we need to keep track of a few things as we have some debts we're paying off as well. I'm hoping…
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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…
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Debt, Endo and Reno
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…