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Advice needed for ex student
Hi everyone, I am looking for advice for my son who has given up his UNI course in Nursing having decided it is not for him. As yet he has no job and is coming home next week so at least he has food! Until he gets a job what is best place to start with debts? Student overdraft No. 1 - £1000 Student overdraft No. 2 - £500…
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Nessa doesn't want debt anymore!!!
Hi finally I have decided to start a spending diary 54 tomorrow and am fed up of having debt. Newly single, living in my own but mortgaged 1 bed flat ( tis very nice but I want a garden am determined somehow to get one !) debts are £5300.00 natwest CC Abbey Mortgage £65,000 I feel that at my age I really should be debt…
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Flash the money arrives - bang it's gone!
Hello, I have decided to keep a diary to keep track of my progress and try to keep up the momentum of our attempts to get rid of our debts. We have been rubbish with money for years, we have even made attempts to clear things off before but always fell back into bad habits - no excuses, they are pointless and can't be…
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2010 is the year to be debt free
I've been hanging around the site for a couple of years and have followed all the advice about cutting down, swopping suppliers etc. Our debt has yo-yo'ed during this time with a downwards trend, but we've never shifted it all. I've been thinking 2010 is a fresh new year so I thought I'd keep a diary to keep track. I've…
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Debtbegone's Debtbusting Diary
Hello :hello: Today I had my first real omg :shocked: lightbulb moment, so I'm here, starting a wee mini diary / challenge to keep me on track. Currently still living at home, hoping to move out next year. My income is greatly variable due to my job but my outgoings are small so I'm not struggling with payments at the…
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Is this the right place? Here's my SoA, any advise/suggestions welcome!
Here goes: 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.................... 1 Monthly Income Details Monthly income after tax................ 597.5 Partners monthly income after tax.......…
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Laura's 3rd-time-lucky diary
So here it is, my third DFW diary. I've deceided to start fresh again as recently I have gone decidedly 'off the boil' with my DFW ways. I was doing so well... by September last year I had paid £2000 off of my debt. Impressive going for 10 months of debt busting (at least, it was for me as it was the first time ever that…
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No Lottery win.......so its time for Plan B
Well I had my LBM around this time last year it came about mainly due to the fact I had been off on maternity leave for about 9 months - none of which had been saved for - so the cards balances were getting higher and higher and we were getting further and further behind on the bills (council tax/utility etc etc). Over the…
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going it alone and tackling the debt.
hi all i have always had a nose through peoples diaries on here and now i feel like it is time to stop lurking and start my own diary. the reason behind this is i found out 2 weeks ago my partner was seeing someone else, we have 2 kiddies together age 7 and 4 and have been together 9 years since i was 16, it obviously hit…
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Aiming to get debt free this year!
Hello all, So, whilst I don't have massive debts (probably around £6k? Definitely under £10k) it is bringing me down, and I want to clear it all and start living within my means (and being able to save for things such as holidays!) I have a 3 credit cards, and 2 overdrafts. The cards are all at 0%, so at the moment I am…
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Lovinglife- On the Cheap! A Diary.
Hello all! :wave: I'm Lovinglife. Well, thats my username anyway, and I chose it for a very good reason! Lately, with times being what they are, and money being how it is for so many of us, I've not been Loving Life so much! But it's time for a change. Just because I'm skint, do I have to be miserable too? I say no! Life…
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Bigloser climbs her mountain(s)......
On Saturday 5th March 2011 I had my lightbulb moment – and well overdue it was too. Anyway, better late than never, and having finally accepted that I have problems (mainly, but not exclusively, financial) I now need to find my way out of this mess. To list my problems in what is, I think, the current order of severity: 1)…
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2011 is about time Mrs jj and I grew up....
Hi everyone. I'm a long term lurker who needs to get a grip with money - as in being able to earn it and then not give it to various credit cards/banks for ever and ever. Mrs jj and I have had the LBM and it wasn't a pleasant experience but it was a GOOD thing to have. We both earn decent money. Far more than alot of our…
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Bubbly is on the Uppy!
Hello allI have been a long time user of MSE and have been given so much wonderful advice and help and also support it has helped me over a low period of my life.I am now out of that part of my life so I thought a new name and profile and start a new diary and share my thoughts hopes and dreams for myself and my family…
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My tiny corner :)
Isn't it frustrating when you type out a big spiel of text, and something random happens, and you have to type it all over again? :) Anyhoo, so I've joined mse to give me the kick up the bum that I obviously need to end the cycle of accruing, consolidating and paying off debt, and to start thinking about the future. My…
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Spend or splurge
Hi guys I've got £150 and that's all, no job 3 credit cards and a loan and a mortgage, it's not gonna make a dent in any of my debt so what do I do with it, Any suggestions Thanks x
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Glittery's travel to debt freedom
A big part of me regrets ever leaving the UK for the Caribbean 2 years ago but a huge part of me is thankful for the journey I have had. I left the UK with debt and its debt that I am going back to, but life will be much better for me and my small family than being stuck half way across the world from my family and…
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From ill health to better wealth
Ok I suppose I better start at the beginning. 2010 has been to worst year of my whole life and as I sit here thinking about it I feel sick and keep crying. I lost my home two jobs and my whole life I have walked away with one suitcase of clothes for me and my dd. I have started again thanks to kind donations and even…
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Glittermonsters quest to make all things sparkle
So I started a blog yesterday and I'm not allowed to post a link so I thought Id do a diary! I will make it more money saving! Promise!
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Mr & Mrs P's savings diary...
Hi all, We are now (finally) debt free and are hoping to save towards a house. (Apart from Hubby's student loan!) We have a little in savings but not much left after having our son nearly 2 years ago and a massive wedding last year. :) We have very good jobs but we curently rent, our son's nursery care is on the 'most…