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Pay off my debt in a year Diary
:eek:Eeeeek thats a bit scary - lol Have approx £8000 worth of debt I have 2 jobs - my partner is unemployed and my ex hasn't paid his child support for 2 years! I need to get rid of my debt as I work in the public sector and at the moment its not a safe place to be work wise, I would also like to get 3 months wages saved…
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Need Advice - URGENTLY - WANT TO PAY MY DEBTS
due to messy separation, we returned keys for the house 4years ago and i now like to settle any monies owing, however, my partner does is not communicating with me, so i am willing to sort my half of it. could anyone please advice on what the next step is.
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Moving Up ,Moving ON ,Moving the hell outta HERE !
Well after spending time looking at others diaries, ive decided to start my own, hopefully this will help me to wake up and sort my s**t out. So here goes........Me, well im 25 and about to graduate from university with BA(Hons) Management with Human Resource Management (what a mouthful eh?)and i work 18hrs a week for the…
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So much to save for
I've been reading on this site for years posting the odd comment but never really utilising the site to its full potential, so now I'm going to! A bit of background for you I'm 27 (and a half) I've been with my fiancee for 15 months although we've been friends for about 10 years and our daughter arrived in February this…
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Advice Please
I've had a DMP on the go now for approx 5yrs (debt £55,000 unsecured) and last week had my yearly review and was told that my DMP was not working for me as it is going to take 24+ years to pay off. I have now been advised to think about an IVA. As I live in Scotland we don't have IVA's it's a Trust Deed which after…
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Chris Pop's changing habits forever diary!
HI EVERYONE! Ok, first things first. This community is fantastic. This morning, I felt so miserable and disappointed in myself, and all the other things we've all felt about ourselves, and now I feel a world away from that, having spent the last few hours reading posts by all of you lovely people. I cant wait to get…
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onamission finally to change my habits and get debt free diary
well i've been here a long time and spent more time lurking than posting. however despite doing the BIG things - i am still sometimes living life as if nothing has ever changed. so today is the day i bite the bullet and set up my own DF Journey diary to keep me on the straight and narrow and try to encourage me to change…
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It's raining sense...hallelujah!
Hi everyone, I hope it's ok to start a diary here....I've been on the house selling/buying forum and stumbled acros the DFW forum, and Oh...My...God...talk about MAJOR lightbulb moment!! Worried Jim's (thanks) thread has just completely revolutionised my thoughts and made me a DFW!! This was on 21 Apr 2010 (note to…
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Long Journey Ahead
Hello there, I would be very grateful for some advice please. My husband and I have horrendous combined debts of £100K, failed business, recession 'victims' etc. We do not own our own home so have no assets as such, only an average family car. My husband has no work and we have no income, apart from £4000 pension payment…
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The cutting out/cutting down alcohol thread (part 7)
Peer pressure is a dreadful thing (well, jo1972 pressure....;)) Welcome to a brand new cutting down/cutting out alcohol thread :D Take a seat on the wagon and enjoy the ride....... That great first post by In Search Of Me is below. The previous thread (part 6) is HERE Part 5 is HERE Part 4 is HERE Part 3 is HERE Part 2 is…
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Silly boy trying a fresh start!
Hi Everyone. I'm new on the forum but have decided to keep a diary for my own sanity and self control and give you all another thing to read. My problems have been ongoing for a while - too long in fact mainly due to naivety on my part and mostly spending too much and making bad decisions. I bought my first decent car on…
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a DFW nearly quit and then had a change of heart
Right then time for a quick update, as some of you know that I have been keeping a spending diary for just over 2 months now. It really has been an eye opener and I would recommend it to any DFW! I have just reviewed my spending for the last couple of months which I have pasted below, it makes up for a very shocking read.…
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Commited to Change - that's my name and my plan!
Hi guys Well here I am again - but this time I'm not going to let anything stop me from paying off my debts so I can hold my head up high - and not feel guilty buying things. Basically I came here last July determined to sort myself out and for a few months it went really really well, but I fell back into bad habits -…
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£6k credit debt
Hi, - Please help I've managed to bury my head in the sand and i've got myself into 6K debt, i've missed a payment on this. I have a mortgage, and i also pay of £123 a month on a car. Will i be ok for a balance transfer? Will doing this make my monthly repayments more manageable, and by how much? Thanks in advance for any…
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The reality diary
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Simple doesn’t mean easy
To anyone that reads this, I apologise for all the waffling! I’ve been lurking on MSE for about a year and a half now, I did start posting regularly on the SAID thread but stopped a while ago out of embarrassment at falling off the wagon. This diary is me sneaking back into MSE with my tail between my legs, hoping no one…
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Baldybears diary...trials of life!
Hello All, Well decided after much umming and ahhing to start my own diary, have lurked on here for a while and am finally facing facts about my life and where I would like to go from here! Basic background, female 32, currently living with OH and parents, no kids but 1 horse and care of 3 others too and 1 hamster! Total…
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Isla's "the final stretch" diary
I started uni when I was 17 and being 17 and stupid I quickly got myself into debt: credit card, overdraft and student loans. Despite the fact I had a part-time job and worked full-time over the summer breaks I still spent most of the time living beyond my means resulting in a £2.5k overdraft and £1200 on a credit card. I…
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My debt issues
After reading other people's debt problems, it has encouraged me to tell my own. It all started when I got into gambling, I soon got addicted and it got worse. I could easily waste 100 quid in about 20 mins. I no longer gamble and have no desire to but i have a debt of over £1000 and being 19 is quite a lot of money. i…
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Had a boost now want to clear the rest.
Yesterday we finally paid off our £2000 (:eek:) overdraft and it has really given me the incentive to clear the rest. We have a £9000 loan, £10,000 car loan and £2700 on a credit card :o . I may be losing my job soon so money will be even tighter so I really want to reduce as many as possible.