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7 weeks holidays - need to survive
Hi :hello: The reason for me starting this diary is because the schools break up on Wednesday until 7th September and I really really need to keep myself on track. This is the first year that I have had to really cope with the summer holidays as my DH was a stay at home dad until my youngest started school last September.…
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Lady with no willpower needs help to keep on track...
Hello I, like it seems many others, have been lurking here for some time, and need a bit of help to keep myself focussed, so thought that writing a diary might help. Allow me to introduce myself - I'm a single mum to a 9 year old boy, work in HR in he public sector and am hopelessly disorganised and spectacularly untidy.…
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Living the dream by 30!
Ok, so I’m taking the plunge. I’ve sat here and read thread after thread thinking should I do it? Will anyone read it? Is it going to help? But then I realised that it doesn’t really matter so long as it gives me a little bit of focus to achieve what I want to achieve even if I am talking to myself most of the time. So…
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Money Conversion
Hi guys, My query is this, my daughter had dollars left from vacation last year and went to her bank to convert them into Euros for their vacation in Cyprus this year. She was told that she could not convert the dollars directly into euros and that she had to convert first to sterling and then to euros.This of course…
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Time to get this started
Hi Everyone Well I have been an MSE lurker for a very looong time :A and have so far found it very helpful. However the past year has seen my salary drop by about £5k yet I didnt change any of my spending habits. My credit card is red hot and I now owe over £3500 on it. I dont have much left after I pay my mortgage and…
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lilmissmups moving on and hopefully upwards diary!
Well I feel its time to start a new diary, the last month has been quite rough for me emotionally and I need to concentrate on being MSE again as it will help me whatever the outcome of the next six months brings. I have just turned 25 and am throughly sick of renting, been doing it for last 5.5 years with my OH and have…
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£18,000 in debt and can't seem to get out of it...
(After writing this and working it out I realised my debt is more than £18k!!!!!!) Hi all (This is where you all say "Hi N" in that ever so slow group therapy type way.... !) :rotfl: My name is N and I am a spendaholic. :o Infact, it's not just me, it's my husband as well. I wanted to keep a diary to try and inspire me to…
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Is it wrong to want it all? Ramblings and other stuff
Well I've had to change my username as I've totally forgotten my log in details, so here I am as a newbie again. I've been meaning to set up a diary for a little while, so here goes. I'm 27 and live with my hubby and little boy who is 18 months, I'm also 6 months pregnant and due to finish work in 10 weeks. We live in a…
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Newcomer Hi everyone
Hi All, I have been watching this forum for about 6 months now and never posted anything. i am finally facing up to my debts and i am just going through the final figures - it doesn't make good reading!!.:mad: I really want to get debt free and i know i am going to have to really motivate myself 9and i am hoping this forum…
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I'm Betty and I'm in debt!!!
Hi everyone...I’m Betty (well call me Betty) and I’m in Debt...ill imagine you all saying Hi Betty back... Today was a revelation and a half... I knew I had debt but I though...I have a decent job...I still enjoy life...I WAS SORTED! Reality...its spiralling out of control...I’m 26 and the only thing I’ve got to my name is…
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My Just say NO! diary
Hi well this is probably not the best time to start a DFW journey being that it is 2 days before the school summer holidays start but my debts and the way i waste the pennies and my inability to just say NO and resist the flashing lights and magnetic powers of shops any shops has been bothering me recently as i could do so…
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Impatient Londongirl's diary - need to clear my debts!!
Hi All I thought it would be better to post here rather than anywhere else. Had a read through some of the diaries on here and they're so motivational, i hope it has an effect on me! Basically, I've had several light bulb moments, but my proper one came last weekend when i was helping my boyfriend decorate his best…
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It's getting worse and worse...help! EW
This is my first time diary, i didnt even know this place existed, but im glad it does. i don't know what i'm going to do, everytime i think ive sorted something, it all comes tumbling down. I'm surprised im not that depressed - i try to look on the bright side, but its been increasingly hard. i have about 12000 debt and…
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Uh-oh We're in trouble!
I'm starting a new diary... my OH is a bit of an ostrich. He ignores things, shifts money from his bills account to his spending account, forgets what he's moved where, spends it, payments get missed, charges get incurred, charges accumulate... The post arrives and doesn't get opened. This week a case goes to court because…
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Finally earning!
Woohoo! I have been unemployed since august last year when I moved house, then when I'd got a job we moved again :( So now i'm settled (I hope) and have been given a part time job I can FINALLY take a proper look at the money I owe and work out how to pay it back. I am studying with the Open University which takes up a lot…
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oi what you doing here
hey all, long time no see eh ... well what have i been up to ...work work work and work ...have finished first year of uni finally am still deciding if i should go back for year two ...handed my notice in on job number two only to find out a week later everyone got redundancy notices ...so guess who missed out on…
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Back to the real world...
Ok, so.... having been a student and living in my own little bubble I have now been thrown back into the real world! Since I left university in May I have moved in to the house my fiance lives in with his two friends (being the only female in a house of 3 grown men is NEVER easy - or sanitary...) and have managed to bag an…
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Massive debts
Hi all, I'm sure the last thing you all want is yet another diary! However, I lack focus to be brutally honest and I was fortunate enough to have my/our LBM around 2 weeks ago. In the meantime I have self-admin my own DMP, and written to all of our creditors offering reduced payments. I'm ashamed and embarrassed to have…
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Massive debts to tackle
Hi all, I'm sure the last thing you all want is yet another diary! However, I lack focus to be brutally honest and I was fortunate enough to have my/our LBM around 2 weeks ago. In the meantime I have self-admin my own DMP, and written to all of our creditors offering reduced payments. I'm ashamed and embarrassed to have…
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2010 is the year!
Hi all, am so inspired by MSE that i thought id join in the fun of a diary! A bit about me, im now 23, was a spendaholic and never thought twice about going out and just buying something! im still battling with my demons even now. i paid off one of my credit cards balances 2 months ago then ended up buying again. to combat…
