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Order out of chaos
Well I decided it was time to do a diary after reading and getting so much inspiration from everyone else. My diary is about 2 things - getting rid of the debt and organising my house - which could easily feature on one of those TV programmes - Life Laundry or similar. About me - married with dog and 2 cats. We earn decent…
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In debt for 10 years. Need to escape
Hi guys I have been in debt basically pretty much since the age of 18 and have never felt in control until now. I am determined to be debt free in 12 months time and then start saving to buy a house. MY SOA is as follows: Household Information[/b] Number of adults in household........... 2 Number of children in…
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I'm getting out of debt for good
Hello all. I don't tend to post on here much, but do lurk quite a bit.. I thought a diary might help to motivate me whilst we carry on tackling our debt mountain. We started off at £58,085.85 in August 2008 and we've cleared £17,437.39 in 12 months. Why we're in this mess in the first place is simple, we spent, spent and…
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But I like pretty things!!!
Hello Everyone I've been wanting to do this for a while, so here goes... *deep breath* Current SOA (for me and my DH) Monthly income after tax - 1188 DH's monthly income after tax - 0 (at the mo - hopefully not forever!) Outgoings Mortgage - 620 (variable rate, Northern Rock 'together' mortgage, with a secured mortgage and…
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Lots of change so.....new diary!!!
Hello :D I used to have a diary before then everything in life changed so much that it became a bit pointless and so I stopped posting on it :rolleyes: Now that I have got my proper SOA up to date again and sorted after moving, I feel it is time to get back into this debt bashing malarky proper instead of just letting it…
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Day 5 and i'm still smiling - just!!
Morning All, Well its 5 days since i faced up to reality and started facing up to my debts. I started my diary (Mission impossible - i hope not!) and i have so far managed to try and stay focused:cool:. When i first faced up to my debt i felt sick and very ashamed:o - that feeling is still there but i have decided that i…
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Cheesecake wants a bigger slice of the pie!
Today, I have been paid and for the first time since I went to university (over 10 years ago :eek:) I was in CREDIT before this exceptional occasion occured. So inspired am I by the fact that if you spend less than you earn you actually see your entire salary in the bank that I am hence starting this diary. With Mr Lemon's…
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Like a rubber ball !
But this time I'm here to stay. Today is the first day of the rest of my life. Had a few LBM, but figure they were like fairy lights. Been a diary lurker for a while. Been motivated and inspired by many of you . Tried blogging, but thats just a little too trackable/identifiable. I have a total debt of £28,911.60 over 4…
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Vodkabarbie's DFW diary
So, I guess my LBM has come round and bitten me in the bum - I'm stressed and miserable and looking forward to a long period of being sensible and prudent. It's my own stupid fault I am in this situation so I need to get on with it! I personally owe 1200 on my overdraft, and 3200 on my Barclaycard. DH & I also have a joint…
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Its worth a go isn't it?
I have been a lurker for quite a while - but now I am needing some inspiration and maybe just to write myself on what I am doing each day, how much I am spending and being brutally honest with myself! Its easy to convince yourself in your mind you do really need to buy that coffee because you are so gosh darn tired! Or…
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The Cashwitch Chronicles - it's a biggie
Hi, I'm Cashwitch, and together with my other half, am attempting what for us would have been impossible to imagine only 6 months ago. You can read a background in this thread: [post=23415159]New here - embarking towards debt-free living[/post] As you can see, my partner and I reached an epiphany in March 2009. We were…
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Diary of a Desperate Woman....
Hi there I joined the boards a few months ago when I had my LBM, and really enjoy reading the diaries and thought it might help me to get through the dark days when the debts seems overwhelming. A little bit about me. I have 4 children, a lovely DH, a cat, a dog, 3 rabbits, 2 mental hamsters and I work part time, so life…
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DEBT FREE BY 30 (20 Months to go)
Right here goes...my life is a mess because of debt. I'm a compulsive borrower, spender and debtor. I have real issues around this compulsive behaviour and I need help. I'm attending my 1st Debtors Anonymous meeting this evening. Does anyone know if you can get medical help through the NHS for compulsive behaviour? I've…
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Em's Millionth LBM!!
Welcome to my millionth debt free diary!! Well, ok it hasn't been that many but I've had a few. I have really been lacking in motivation as I always do, and thought well I can't change the past so I'm going to wipe the slate clean and start a new diary. In this diary, I swear to:* Post every day, even if it's just to say…
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The challenges begins....
i awoke very depressed today but even though ive found out i now owe £981.76 in mortgage arrears i have spoken to my partner and we are positive we can clear the £12,000 in 4 years. we've even made a start (even though its small, its a start) first off i changed my gas/elect package to a more benficial one, i found out…
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Mission Impossible - I hope not!!
Morning all, I am fairly new to this site but i have been watching the forum for quite a few months i have never been brave enough to post or to take a real look at how bad my problem is:o I sat down the other day and finally faced my demons and although the figures are not good at all they are not far from what i thought…
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Deep breath and here goes!!!
Right I am going to use this to post on what I have spent and what I have saved and what my target is for the week! Ok so here goes: Have a NSD today 21st July Check internet banking everyday and at end of the week any spare money pay off Virgin card (even if it is 50P) Do not withdraw any money from bank - except £20…
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Entertain 3 Children for Free (virtually) Over the Summer Holiday!
To give you a quick summary of the situation :D I have 3 children aged 16, 14 and 11. After today they are all on their summer holiday and will need entertaining. The older 2 will go out with their friends sometimes, but will still need entertaining by me, as they will have plenty of time to get bored inbetween :rolleyes:…
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Paying the ultimate price for my debts.
Hello, I've been reading other peoples posts for over a year now but very rarely post but really need some advise/shoulder to cry on. I am soon to be 38 and have been with my partner who is 45 for 14 years. We are happy in most aspects but the debts/ financial situation is starting to take its toll. In a nutshell we owe…
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Turfy will get DF before the big 50!!!
Hi folks and welcome to my brand new diary. All new for me but hopefully this will help me focus on my ultimate goal of becoming DF. A bit of background is we moved to Ireland almost 6 yrs ago, bought an old run down cottage in the middle of nowhere and have spent loads of time and money doing it up!!! Hate to put a figure…
