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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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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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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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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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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…
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A new chapter, An empty nest, Drama school & Last year of Uni
I've been on these boards for many years and a long time ago did start a diary when we'd had a windfall and cleared some debt and I'm not sure what happened but 'life' got in the way. Today starts a new chapter of my life as my youngest has just left home (albeit temporarily) for her to access a drama course in a different…
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Weight loss and healthy eating for a debt free life
I've been thinking about this for a while and I've seen a few other people mention weight loss so I wondered if we should have a thread. There's a giving up alcohol one but obviously we can't give up food. I also realise that not everyone with a food buying problem is overweight. I overbuy and some of the overbuying was…
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Road To Financial Recovery
Ah, time to get back into the race so to speak, can’t believe I am doing this again.It is time to start taking finances seriously again. It is a rubbish feeling to be back in a position where I feel my finances are back in a mess. There isn’t any major debt so that is a positive of course but feel like a plan is needed…
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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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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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Time for a new start
So it's time for a new start for my diary. Previous diaries can be found here. https://forums.moneysavingexpert.com/discussion/5585379/drawing-a-line-under-the-debt https://forums.moneysavingexpert.com/discussion/5754979/drawing-a-line-under-the-debt-take-two#latest 2023 is going to throw up some financial challenges, so I…
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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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My journey to health, wealth (well, saving for works to house, so not really!) and hobbies
Starting a new diary as feel like I need a fresh start/new motivation. 43, married, 2 young DC. Work almost FT (28 hours) in a professional job. No current debt (other than a mortgage) but been in serious debt in the past due to stupid choices, mainly to try to keep up with the Jones's. Still have a tendency to feel…
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Round in circles...
So, here I am again, back after approximately 6 years after clearing all of my debt. I was approximately £25,000 in debt at that time and swore never to be in this situation again..yet here I am! I have been in denial for the last 2 years, paying the minimum payments on my DEBT cards and wishing for a resolution since…
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First timer seeking accountability
Hi all! 👋 Firstly I am a long time lurker 👀 first time poster. Little obligational background for context: 32 year old married mum of 3 aged almost 18, 8 and almost 3! Was in an abusive relationship from age 13 until I managed to flee with my son in 2010. Met my now husband late 2011 and the rest is history. We have two…
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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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Debt payment tracker
This isn't a diary really but I need somewhere to write this stuff down all in one place so I can keep track and see it all together. Will probably just edit first post as needed. Advice welcome (esp if I'm missing something obvious) Debts Priority - Tesco credit card - £1,567.02 (interest rate something like 20%) Priority…