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My Debt Free Diary/Journey Starting 21/06/09
Thought it was about time I started a Diary to try and give myself some motivation to pay off as much of my credit card debt as possible. A bit about me: I am 40 years old, have 3 children aged just turned 5, nearly 4 and a 13 month old (all girls). I am a SAHM living with my OH (my kids father). He pays all the household…
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Skint and fat, it can only get better........
Hi I am 37 and have approx 15 years until i retire but, I have been with my CCard in one hand and head firmly stuck in the sand tricking myself that everything is fine. So i have popped my head out of the sand and cut the card up and put my husband's in a the safe for emergencies. I have gone through all our accounts and…
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I'm taking back control.....
Okay folks - long time lurker here and your diaries have been so interesting I thought I'd try one to see if it will make me take action. A little bit about me House consists of myself, DH & 2 small doggy boys. Both of us work full time and although we can pay our way each month we would now like to look at escaping the…
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DMP and Bonus Coming - do i handover
Hi first time i have posted and need some help we have a bonus cheque coming soon as a thanks for the effort by my company over the last 2 years - its not alot but we would like to decorate new babys rooms and treat the 8 year old to something. I am on a DMP and was going to put straight into my new account that i have…
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old debts
hi can anyone help? ive just done a credit check and found that i have only one credit company on there although i know ive had some debts that have been 10yrs old and i have receved letters but i just ignored them and tried for an iva last year assuming that ive opened a can of worms the debts seemed to have dissappeared…
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Debt Free Reward Pot
Okay, so I have an idea. Since having my LBM this March I have clamped down on clearing my debt. Whilst I am enjoying it creep down slowly, I felt I could do with an extra little incentive to keep me going. So this is when I came up with the debt free reward, a sealed pot you add to every time you clear a certain amount of…
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Clawing my way out of debt!
Hi, seems like lots of people I've been a lurker on these boards for a while, and maybe even made a posting or two. This is my diary to get me out of debt by the time I am 39 ( Sept next year). I know the amount I owe isn't that large compared to a lot but I want to get rid of it and then consider buying a house ( and then…
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DFWette - Bills, Thrills and Belly Aches
Hey :hello: I post on here a lot but decided to make my own diary so I can 1. Keep a better eye on things and 2. Stop hogging Dinahs thread! A tad about me: I'm 18 and live at home with my Parents. I have a lovely Boyfriend who has somehow managed to put up with me for 5 years. I talk too much and I'm beyond fickle. I…
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Next and F&F's
Hi I was just wondering if anybody had any experience with Next Directory and offering a full & final? I'm hoping this is something we can do in the very near future, and was hoping to get an idea as to whether they would accept an offer and if so at what percentage? thanks Ems
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Oh My God, where did it all go?
Had my lightbulb moment 2 months ago, when our debt was just shy of £90,000. I work in a factory and my shifts were changed recently, with a pay cut, my husband works in construction, well that is at a stand still in the UK so he's been working abroad. This made me review our outgoings as money was getting tight and I…
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the nerd's wannabe-mortgage-holder savings diary...
a little name change to reflect the effort this summer - SOA on page 3... (changing a second time from 'strimmer' so as not to appear lawn-obsessed) Hello everyone. I'm starting this at work (bad move), so my 'soft' (low-key...) opening will kick off by listing my money priorities for the future, and summing up the…
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Time To Start..
So.....I'm officially a newbie. I have used this site for a while but am only now starting to post. I had my lightbulb moment on 29/4/09 when our debts stood at £42048.69. The debt is a combined total of my debts and OH's debts. Its alot better than it was as I am guessing that 7 months ago it stood at about £50000. It's…
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Odio's Odyssey
Where do I begin? I am 24 years old and my debt currently stands at £13,267.13. I feel as though I have absolutely nothing to show for it. I am however in a position to clear this debt in twelve months if can show enough desire and commitment. That is the problem though. I became aware of just how bad my debt was back in…
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Plastic Castles and Coke Can Rings
Hi All, I have been browsing this forum over the past week - and feel it's about time I face up to things, and create one for myself. I'm hoping like others here, I manage to get into this and conquer my debts once and for all! I find that towards the end of each month, when I have no money to pay credit cards etc. I have…
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headcase diary
I'm not good a writing stuff down but here goes. I've got myself in such a mess over the past couple of years. I run my own business, my income has reduced due to long term illness, but now has leveled out. During that time I increased in weight to 19 stone and incurred debts. I'm under such stress. Its got to a head now…
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I will be debt free, POSITIVE!
Hi Thought Id start my own diary as a little bit of extra incentive and maybe some more advice from you guys =) Background - Bought my home age 18. Decided to go to college to get a qualification for a job I actually now love. Got into debt as with a mortgage, only working part time as I had to do a placement with my…
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my debt free plan
hi all just wanted to post my debt free diary i have planned to throw spare money i have accumalated from money saving ideas. i wil list my debt from today and then every month on the same day. i plan to be debt free in 36 months excluding my mortgage and on that day i will start over paying on my mortgage, fingers crossed…
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New Start
Fresh new start for me - including my username! I've decided I'm fed up with being depressed, feeling sorry for myself, blaming others for my own stupidity and not doing anything about plutting it right. As a bit of back ground my credit history is completely shot, I've got a very high interest (interest only) mortgage,…
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I may be lying in the gutter but i'm looking at the stars.
Right were to start, well I'm Rosy and I'm a 30ish slightly overweight, chain smoking, problem drinker with a big debt problem. I'm sure that description is conjouring up charming images of me, but I promise I actually look pretty normal and not like I'm going to headbutt you soon as look as you. Although sometimes I feel…
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Bridezillas plan to rule her debts!
We are skint, brassic, no cash, what ever i call it it means the same. My LBM was yesterday when I looked at my account on line and I am £24 over my overdraft. I have some money coming in over the next few days but if i dont spend a penny this month (and we have a hungry teenager at home and a 21 year old Uni student who…