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Can Edinburgher be debt free and a mortgage holder by 30?
Hey all - I'm a long time lurker on these excellent forums, so let's see if you can all help me on the route to financial stability! As a result of some pretty poor decisions as a student, I ended up £7-8k in debt. After graduating (with an Arts degree!) I spent a few years in awful jobs before taking a postgraduate course…
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Mizmir's "Determined to be debt free by Christmas 2009" diary
Well the final push. I am setting myself a year (well 13 months) to be debt free (except for the mortgage) - and starting a shiny new diary to reflect my new resolution. To recap - current state of play is £17250 plus a couple of £K in expenses which will be paid eventually and will go straight off the cards - but am…
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NEW - pay off £20,000 (ish) by Christmas 2009
This is the place to stop faffing and start focusing! This time last year, pollydaydream set up a challenge to pay £20,000 off her debt. OK, it sounds like a lot of money, but a lot of us have big debt numbers and so when you think about it, we may be reducing £1000 + per month just by making our minimum payments and not…
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hanging my head in shame
Hello. A friend at work who I have confided in suggested that I join this site, I am a bit unsure/ nervous as I am in trouble and I don't know what to do. I've had a look at a couple of the post's on here and it seems people are in the same boat as me, I just don't know what to do. In summary I owe (excluding mortgage)…
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My Oz Diary
Hi Guys, Long time, no see! For those that don't remember me, you can find my original diary thread here - http://forums.moneysavingexpert.com/showthread.html?t=626855&page=15 . It's hard to believe that it's almost a year since I discovered MSE, and whilst I've not been posting much, I've been addicted since! It's become…
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Just the three of us - new beginnings!
I felt after my change in circumstances it was time to start a new diary. I don't intend to fill this diary with sadness of my situation but to concentrate on my future which I just know with some hard work will be fab! So now my life consists of me (32), my little girl (3) and my puppy (18 weeks). I work full time (partly…
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*my Diary* - Omg!
Hi All! Having spent ages getting the weekly money saving tips email I finally ventured on here on Wednesday 19th Nov 2008. This followed my LBM:rolleyes: My LBM came on Wednesday evening on my way home, just as the cashpoint said I could have the tenner I wanted, but would have to pay £25-00 for the privilege! I took my…
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My debt free wannabe diary.....
Afternoon all!! I've been lurking around the site for a while now, and have even joined a few challenges! I thought maybe starting myself off with diary on here might help me reign it in a bit further! I got myself in a bit of trouble with money during and just after leaving uni, and although I'm on a much more even foot…
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rags to riches (hopefully), my diary.
O.k, this is yet another diary but it is hopefully gonna motivate me to go from rags to riches ( well it works for slimming clubs...) My plan: get my debt down by the time my fixed rate mortgage runs out next november, clear all my debt and overdraft, live within my means so not in debt and can save for things i want in…
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KTjazz - the great life overhaul
Hello everyone :hello:, I've decided to join quite a few of the others on here and start a diary. (I hope I keep it up to date...) There is so much in my life that I want to change and being honest, the journey has already begun. The main things are my debt, my career, my weight/body shape and my procrastination and…
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My debt diary
New Look Card: £48...WOO HOO! 28.9% Kays: £215.00 0% (agreed reduced payment plan of £24 a month) Additions: £193.00 39.7% Arcadia Staff Card: £240.00 29.9% Dorothy Perkins Card: £207.00 29.9% BOS Overdraft: £1100 0% (have agreement to pay £100 a month to it) Then once they are paid i will concentrate on my current…
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Gattina ~ A diary
Hi All Seen that people write their debt paying diaries in here and I thought that would be quite helpful for me! I bore my fmaily by talking about this I'm sure so here goes Loan - 1404.57 Paying 67.08 due to finish in Oct 10 Sainsbuy's -172.81 paying £13 due to finish March 10 Virgin card -2834.93 0% interest- paying min…
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The 'Get It Done' Challenge!!
Hi everyone I was sitting here and thinking how bored I was with moneysaving and debt clearing. I can't do a challenge to clear any debt as I am on a DMP so regular overpayments can be dodgy and if I try to save anything then something ALWAYS comes up and I end up using those savings. So I realised that the one thing that…
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mummy saving for a debt free day!
hello well i have only joined here recently and have found it to be sooo helpful already. i have joined a few challenges which im sure will help me with my mission. I thought i would also start this diary to help keep me on track! i think ill be less likely to splash out or use the dreaded credit cards if i had to come and…
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Another Debt Free Diary :)
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1180 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 80 Total monthly income.................... 1260 Monthly Expense Details…
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LttF's Dairy... 2009 here I come, ready or not!!
Right, so here I am with head firmly unostriched from the sand (you know ostriches are said to bury thier heads in the sand when they get scared! :rolleyes: ) and this is the start of my diary... today! Where to start... :confused: I dunno! Well I suppose it's at the beginning really! When I came to England in 2003 (South…
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Rainbow's Journey
I have posted here before but not for a while I hasten to admit :o Like most of us here, things have finally come to a head and I have to admit utter defeat and realise that I am well caught up in the spiral. I have been on about this since January which was my LBM but didn't really do enough about things. I have gone…
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Different life - so new SOA!! Back once again :D
Hi all Well, it's been a while since I've been on here and lots of things are about to change in our house. Once my solicitor pulls his finger out and the case gets to court and sorted, my soon to be ex-husband will move out. He is not going until the courts have ratified the care arrangements for the kids and the charging…
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New around here.....and an attempt at a diary!!
Hi there my name is Dan and I admit to being a bit of a lurker on this forum. I decided to join tonight after reading a couple of threads about being in debt and also being single and coping with it all on your own. As I also fall into that category I felt it would be good to get involved with the friendly folk on here who…
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My debt free dream....
Hello I am a newbie to posting but have been reading the threads for a few months now. I have decided, well we have (me and OH) that it is TIME WE GOT OUR MONEY SORTED. So having finally seen the light I thought I would keep a little diary on here to try to keep my debt free motivation going strong. We currently have £36k…
