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Hoping to be a SAHM
Hi everyone, I suppose I'm not an official DFW as I only have a teeny amount of debt. However I'm hoping to take a year off work when baby number 2 arrives at the end of October, and then hopefully not go back. This seems to be the best place to put a diary of my spending and saving (if there is any), so here goes :beer:…
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My Motivational & Get Myself Organised Diary Inspired by you lot!
I’ve decided to start my own diary, been reading everyone else’s for about a year now and I am still amazed at the determination so many people have on here and how well they do. There have been many names who have inspired me on this site, too many to mention so I won’t! In the past year or so we have made many changes to…
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She shall shop no more!
*UPDATE* Managed to get one of my catalogue companies i owe to agree to a new smaller payment each month so that gives me a bit of ease! Just waiting on two others replying so fingers crossed! I'm rocking and rolling with student finance to try and get my bursary sorted for September and i've also almost cleared the…
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A fresh start
Hello DFW friends :hello: Here is the long-promised new diary. I’ve had a diary on MSE since January 2007: My old diary In the first year, I worked hard, focussed obsessively, and reduced my debt by 13 grand. After that, my focus slipped, tax bills caught up with me, and my debt seesawed up and down, so 18 months on it’s…
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A wedding & 15k worth of debt - Aiming for a Debt Free Married life!
Well, I have finally had my LBM this week and realised that I need to get my finances under control, and fast! I am a long time lurker but have not been an active posted, so I hope you don’t mind but I am going to start myself a little diary to keep myself motivated and hope to pick up lots of tips from you lovely people!…
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I am determined to do this...
Hi folks, I originally posted in the DFW thing but figured that this was the best place for me! Here is my original post 'Hi guys, I started my DFW thing in april and was doing fab, over £500 in ebay sales etc and was eating away at the debt thing. Then I got a bit lazy...good thing is havent increased my debt since then,…
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Is this my life???
:hello: I owe £36.5K - 3 times my salary. How and when did I get to this point? Actually, I know how I got here - not living within my means - and it's happened over the last 20 odd years. I know what I need to do - stop spending and earn more - but I would like support and encouragement along the way. I'm hoping that this…
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step away from the shops, run, run, oh no.......
Hi, I'm a serial diary lurker and I know the theory but sadly I seem to spend rather a lot on bargains, and in all honesty I don't really need anything, what's that all about? No Spending Days? I don't think I've ever had one. This is my stepping away from temptation by keeping out of shops story. So this is me:51 single,…
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'I need to sort it, i want to live in Mallorca' diary
Hello all I have enjoyed reading everyones diaries, and think everyone is doing great. So i decided i need to start doing something great. I started doing the pay off 20,000ish challenge in december and was doing really well, until the end of march!! Actually everything i was doing to get to where i want was going well…
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Trying to move on
Time to start my diary to keep motived! I have a DMP and currently have about 8k debt left to pay. My job is pretty low paid, although I love it, and I'm currently looking for an evening job to start supplementing my income. I currently live with my boyfriend, but things are not working between us and haven't been right…
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Getting it sorted (newbie)
Hi all As the title suggests I am new to this site, but I have started to get out of debt, I owe £20000, not including the mortgage. When I first worked it out I was shocked, I am still paying for a holiday we took 3 years ago. It all started with a car loan when that was almost paid they offered a consolidation loan, the…
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Debt Free diary - newbie
Hi All, just a bit of an intro to you all. I have been struggling with major debt for the last two years following a divorce. I'm a 38 year old living in a council house. I guess all in all I owe about 44k and have had help with a debt management plan, a little too much really and have no assets left to show for it. To top…
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Time to focus on this properly now so i'm starting my diary!
Hi all, after reading some of the threads on here i've decided to start my own!:beer: i had my lightbulb moment last year but i've not been very oraganized with it, however, i have paid off about two and a half grand!!:j so, i'm starting with my abby cc as i'm sure the interest free period is ending on that quite soon:o…
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My Debt Free Diary! ♥
Hello .. x I had the 'lightbulb moment' yesterday at work reading some posts on here about the banks cancelling overdrafts.. I'm 19, have my own mortgage with my lovely boyfriend and we both have well paid jobs, if we didnt have any debt, the money left over a month would be great!! :( heres my story.. My boyfriend got…
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Hypno's approach to life, the universe and debtbusting.....
Chapter 8 is upon us.......I know it is not that long since I started chapter 7.......but I feel as though I have been a bit in "no man's land" over the last couple of months.....and over the last few days I have started to feel a bit more aware of how I need and want things to be. So....the story so far is thus. Bought a…
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Only Dull Girls Write Diaries...Myth Broken!
I wish I were a dull girl with a regular income, earning more than I spend a month, no debts, a little saved away for a rainy day. But my debts and circumstances are far from dull! My main reasons for this diary are to help me face up to my current situation, drum up some positivity to get me through and also to just get…
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My lbm diary
I have been a regular on here for two years. My dh had heart attack two yrs ago and since then I have dealt with all our finances. Not going too bad, currently making token payments but with debt of 49,000 going to be a long time. I have had several lbms recently: I spend too much time worrying and messaging on many forums…
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Sick of having no money....
Hi all I've decided to start my own diary to try and inspire myself to get out of the mess I'm currently in with my money and debts. June was a bad month as I had no money by the middle of the month and had to rely on a friend to bale me out. I've since been paid and find myself in a similar position but dont get paid…
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Raising money for car payments
Yesterday I ordered a new car (through the government scrappage scheme). I've got a 0% finance deal for 36months with monthly payments of 207.25. I'm going to try to raise as much of this money each month through doing little bits of money saving here and there. I already save at least this amount every month which I don't…
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The secret to my failure....
Right now the time is 12.20am, sunday 5th July and i guess i have had my Light Bulb Moment...... I am in debt and I am spiralling out of control to a position where i fear i wont be able to get out of. Today I spent nearly £300 on items that i didnt need and on general living costs. I used my credit card to pay for it all…
