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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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misstara's debt diary 2024
I've decided it's time to start a new diary as the old one has been on the go for a number of years and I feel a fresh start would be good especially since I have less than £600 left to pay off the credit card. I'm hoping to stay debt free this time and hoping a new diary will keep me focused on this. My first diary was…
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Champagne supernova’s debt free to savaholic diary
Hi all , Im going to start documenting my journey to financial stability and security. I have a post about my DMP here : https://forums.moneysavingexpert.com/discussion/6509459/at-the-end-of-my-2nd-dmp#latest My story is as follows: Debts at their highest - £11, 274.34 Debt-Free Date (projected) - July 2024 Debts March…
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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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Keeping afloat till I can get round to the debts!
So here goes with a brand new diary. With the financial situation across the country as it is I'm going paycheck to paycheck and debts seem to be going up not down. It's time to take stock. Focus on the money actually lasting the month and forming a new plan. I've never been one for following the American debt fella but I…
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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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Find the SecondStar and soar, and then straight on till the morning…
This feels like an appropriate time for a finance thread. I’m in County Down, Northern Ireland. Story time: My ex partner and I broke up 2 weeks ago. We had been together for 4.5 years, we bought a house together as joint tenants 2 years ago, and had been combining incomes and savings for 2 years. We have separated our…
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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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KMNs diary - curbing spending and maximising saving with a new baby
So maybe a bit random to have a diary when I'm not in debt, but I am about to start my maternity leave (at the end of the month) as we prepared to welcome our first child in early March. We are incredibly lucky to be quite comfortable, own our home (mortgaged) and both able to put some money in savings at the end of each…
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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…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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Sixty Thousand to clear in 4 years!
I had a previous diary that worked well but drifted away from and didn't keep up with the changes in my life. At that point I had a similar debt but in a sense less to show for it and less able to pay it off. Now with a 2nd baby on the way our little family will be complete and I want our finances and other aspects of our…
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2024... Debt no more🤘
Hi all, here I go to ridding myself of debt for the final time. I don't want to work forever and would like some good savings before I reduce my working hours. I'm not getting any younger and suffer with various ailments so instead of borrowing I need to pay off what I owe and save instead. Previous borrowing was always…
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Advice Please
Good Evening People! I don’t know how to start but here goes. I have always had debts but have always managed to stay on top of them until recently. I have 8.5K with Barclaycard these being multiple balance transfers paying £400 a month but due to be charged more interest as coming to the end of my 0% offer. I have 3.5k…