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2011 Bring it on!
With only 27 days left of 2010 I thought I'd better start organizing myself ready for the New Year. This year has been one disaster after another so I am now determined to make 2011 my year! My main concern is that I am so unorganized, I work between 16 and 25 hours a week but around my home I do !!!!!! all except mong in…
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Personal quest for financial freedom and wisdom
Hi Havent get a regular diary on mse for last couple of years but think I need to as have so many thourghts/ideas and plans and will help keep me motivated and on track. A bit about me. Im currently 30 expecting 3rd child have 2lovley girls and boy on way in april. Im currently stay at home mum did work fulltime with 1st…
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Decisions Decisions
Hello all I have been a lurker on the site for a long time and have been writing this post for weeks in my head!! :o Well tonight I decided no more faffing about!! So here goes.......... First back ground, I am a mummy to a DS who’s 3 and a DD who’s 20 weeks, I am currently on maternity leave (supposedly but that’s a story…
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New house....new me.....new start.....
I've decided to start a new diary (again :o ) to mark the start of a new chapeter in my life and [STRIKE]hopefully [/STRIKE] the beginning of my journey to ending my debts once and for all! So, what's new.....well OH and I moved into our very first 'own' home early August :D We're very much happy and enjoying making it…
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I have the poweeeeeeer!
Hi all, I'm feeling like an empowered moneysaver at the moment - I don't know what's come over me, but I seem to be on a mission like never before! I've never really got to grips with my bills and debts before, only making a few half-hearted attempts in the past. But in the past few weeks I've really started to feel like…
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I want to break free!
Hello everybody! First of all Happy New Year to you all:beer:! I have decided that I'm gonig to make a huge effort to pay off as much as I can this year.Not sure how I'm going to do it, but I will - must think positive thoughts! I feel I've had a rough couple of years, and want that to stop. Got made redundant, rented flat…
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Statement of Affairs.
This is my first Statement of affairs on MSE. I couldnt think where all my cash is going as I am clear at about £930 below. We have recently paid off our loans which totalled about 450 so thats a big chunk of it, but Im still 400 out. We go out alot so maybe drinks and eating out isnt enough. I just had to buy a new car at…
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Little Miss Determined tries to stay focused
I've realised that in my life I often become determined to do something. I charge at it with great enthusiasm but then after a while realise that it is not sustainable and so lose heart and ignore it for a while. I then start to feel fed up and sorrow for myself and then become determined to restart and so the cycle starts…
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NBTY finances the next adventure
Greetings, all! As some of you know, I am entering a new phase of my life. After 2 years of scrimping and saving and paying off, I am finally debt free. Never one to rest on my laurels, I am making big life changes that need to be financed. I work for an international charity, and I want to get my career on the fast track…
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GOTL's £35 a day challenge...is it possible?
Hi guys. So after a bit of a lightheared attempt at the MSE way last year I am now back with a vengeance!! :j I got really into everything for a couple of months and then pretty much gave up, but I know that if I keep messing about, my debts will not go away, I will not get married and I won't have the life that I want in…
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New DMP set up with Payplan ... very nervous
I have just started a DMP with Payplan as I have heard good recommendations about them and want to finally get my finances sorted. I have been constantly juggling money around trying to pay off loans but getting nowhere !! :mad: I have one high street bank loan and a credit card, but my main problem is 5 Pay Day loans.…
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'The Paper Hatters - our aims for 2010'
Hi all, This is the 3rd instalment of the Paper Hat thread, which was started off by CAFCGirl ages ago. The first 2 instalments are below: http://forums.moneysavingexpert.com/...html?t=1227263 and http://forums.moneysavingexpert.com/showthread.html?t=1912549 We have decided to start a new thread because we are all at…
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Champagne Lifestyle Lemonade Budget (My attempts to get debt free by April 2010)
I've decided to start a fresh new diary as old one (link below) was getting stale: http://forums.moneysavingexpert.com/showthread.html?t=1564813 I've got a small debt on a 0% credit card which finishes on 31 March 2010. This should be easy to do but at the moment OH and I are living on a very reduced income due to…
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Help please
I need help please :( My husband and i are in debt for about £40,000 we have been on a payment plan with cccs and all has been going well until 4 months ago. I had a depressive breakdown and sank into that familiar pit of despair I sometimes visit. Needless to say I stopped functioning which of course involved not paying…
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Newbie
Hi there, Fed up with never decreasing debts!! Need some focus to become debt free! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income…
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Mariagti diary of being a new mummy and staying out of debt
Welcome to my fresh new diary:j Im maria, 27 years old i live with my fiance of 8 years and our new 8 week old baby boy Owen. :D Ive been a member on here for many years now and always used to keep a DFW diary, thanks to the help and support of this forum i became debt free a couple of years ago now. After becoming debt…
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Sparkle is sorting out her finances
Hi all! I’ve been reading some of the diaries on this forum and have found them inspirational. I’ve decided that I’m going to get all my horrible bits of debt paid off and I’ve decided to write my own diary to keep myself on track. I’m getting married in august and I really don’t want to start married life in a worse…
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From Rags to Riches - My Journey From Sainsbury's Basics To Taste The Difference
Hey everyone, some of you may have seen my thread in the Student Money Saving section: http://forums.moneysavingexpert.com/showthread.php?t=3047504&page=3 I'll try and summarise my situation so you get an idea of my situation. I've got myself into a bit of a pickle financially. I currently owe money to Lloyds TSB,…
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Grow business, pay £30k debt, TTC, get fit and stay positive!
I left my job earlier this year to set up my online business. This was a dream of mine for quite a long time and it was a real 'now or never' point in my life. At the time, I was so desperate to focus all my energies on my business, I stopped posting on MSE. Things are now more manageable (although I'm still going to be…
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2011 Dee-Dee's Diary
Hi All, My name is Dee-Dee and I am going to start keeping a Debt Free Diary. I added one a while ago but never did anything further with it :o I have been really inspired by the Diaries that I have read on here and can't believe how many kind people who are out there willing to help others with advice and support. I…