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Clearing my debt after 25 years
I’m quite new to the forums and not to sure I will have done this right but I wanted to start a diary because I need some forums friends to keep me motivated. My story is a long one! We all have reasons why we ended up with debts, mine has just been some bad luck and some stupid choices! I won’t bore you all with those…
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You can’t pour from an empty cup, the road to self care
As 2024 is almost here I think a new diary is in order. I will be spending New Year’s Eve alone, not for the first time, the difference being this time I don’t have a significant other who would call me, and make sure they were the first to wish me a happy new year. I will not dwell on what has been lost, but focus on what…
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Getting rid of that debt in 24
I owe £1250 on credit card and want to get rid of it. I can afford the interest but that's not really the point. I can afford to pay off around £150-200 per month so I should be able to get rid of it in about 6 months, by May 2024 or at least by November 2024. I don't have any major expenses projected for the first half of…
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Time to stop being frivolous!
I'm biting the bullet and starting a diary! If anything I'm hoping it'll help me think a bit more about avoiding frivolous spending and remind me to get better at keeping the cards in my pocket. To quickly introduce myself, I'm 31 and live in London with my boyfriend and our rescue cat. I'm fortunate that I work full time…
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The Challenges Of Finding Solitary Refinement ..
https://forums.moneysavingexpert.com/showthread.php?t=6086376 After taking the biggest gamble of my life 5 years ago I now have major hurdles and obstacles to overcome once again. While being last to leave in good company, I prefer being on my own which is somewhat more of a challenge imho as there is mostly only me to do…
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Mortgage Holiday
Sorry but back again (twice in 2 days), What do people think about enquiring about a mortgage break - should I/us feel embarrassed if we do?
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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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A Better Life.
I want a better life. I know with the crisis in the cost of living, the war in Ukraine, my mum's illness, the state of the government and the fact that it is winter it is probably the wrong time to start trying! but I am so tired of my life, I feel put upon and trapped but if we are being totally honest I do this to…
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The Final Bite of the Cherry- Journey to Clear £66k
I have been here so many times, but I am determined to make this the last. This is not my first diary but the other attempts haven't worked so I've gone for a shiny new one. A bit of background. I have been in and out of debt most of my adult life. I was doing well staying out of debt until this summer when we completed on…
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Muddling millennial - can’t keep on this way
Today is probably the 5000th time of sitting with my laptop and notebook while I’m home alone and going through all of my finances to see if I can do anything to make it just a little bit more bearable. I’m 30 now, but this is all started when I turned 18 and got my first job in a bank. Ironically, this is probably the…
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Dolly's Surviving to Thriving...............
I know, I knowwwwwwwwwwwwww - I've had many many diaries before but it's a new year and I want a fresh start with new goals! 2024 Pay off all unsecured debt Close credit card accounts Make 2 mortgage overpayments Restart LISA Save for Christmas 2024 2025 Make 10 mortgage overpayments Re-mortgage Add savings to LISA Save…
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Not my debt but is in my name
I am being pursued by Lowell Debt collection Agency for a CCJ which is in my name but not my address… original debt was T-mobile, which I reported to Action Fraud in 2015, as it’s not my debt, apparently the CCJ was made in 2013 …. I was only made aware of this CCJ in February via Lowell as they bought the debt, I have…
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Go your own way
Hi team, I'm new to the MSE forums, having joined in March to help me clear up my credit report and improve my financial intelligence post-IVA. Thought I would get a diary going to tell my tale so far and share some insight on how I'm now 'going my own way' with my money having ditched the debt. So, here's my story so…
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Well, here I go again...
Well, here I go again. Maybe we can get to the end of this diary actually out of debt and not just because I've forgot to post on it and it's lost somewhere. March 22 was the last time I updated my last diary.There's still a few diaries about with names I recognise. I need to check what we owe to get accurate amounts as we…
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Obtaining a Credit Card
Morning All, I hope all are ok, I've not been about for ages but have a question please, hope it's a simple one? Is there a chance of me being able to get a credit card whilst on a DMP? x
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One Payment at a Time
Hi Everyone 👋🏻 I was a member of these forums a good while ago, but ended up drifting away and my old account is inactive. Back then I had a bit of debt and was trying to stay afloat. Now I’m older (not wiser) and part way through my debt journey once again 🙈 I wanted to start my own little diary here for becoming debt…
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2024 - The year to finally be debt free!
Hi I’ve never created a diary before but now I feel like I need to put things down in writing and see it all in black and white As the title suggests I want 2024 to finally be the year I become debt free! I’ve had some kind of debt my whole entire adult life and I need to finally get rid to then move on to the dream of…
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The Three C's - Coffee, Clothes & Credit Cards
I'm back again and I thought I would start a new fresh diary. Life has been hectic for me in the last 6 months with some unexpected expenses that have sadly led to me getting into some more debt. Fortunately it is all on 0% credit cards and I plan to tackle it £1 at a time. Technically I do have enough in savings to cover…
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Is My Situation Completely Hopeless?
Hi All, It has been almost 10 years since I was last on this forum and I am back here looking for a way out. So basically, I have found myself in around £47,000 worth of personal debt all in credit cards. There are 5 credit cards in total. I owned a business which which did really well for years and I employed staff…
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Shopping addiction diaries
I have been a shopping addict for several years at this point, and I desperately need to change my ways. My current debts are: * Ratesetter loan - £4,364.55 * Monzo Flex - £83 Total: £4447.55 (It was higher than that but I managed to pay some CCs off this year.) I spend money on silly things I don't need - mostly clothes…