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NOTICE - Please start a new thread when you reach 5,000 + posts
As the title says; when your diary, challenge, thread etc reaches 4,500 to 5,000 posts, could you please start a new/continuation thread? Apparently this helps prevent excessive load on MSE's forum servers. If an old thread needs closing, then please PM a Board Guide. Thanks. :)
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Insomnia Ends Here Debt Diary & Savings
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In debt and OH doesnt know!
Hi everyone, I've been following the posts for a few weeks now and have finally plucked up the courage to do a posting. I'm 28 years old and £23.5k in debt. The debts have just spiralled out of control mainly due to course/training fees plus living outside my means for 10 years. I have now decided that enough is enough and…
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Learning to live my dreams not trample on them
Hi guys :TThanks to everyone who has supported me since I joined MSE. :T I am about to start a new local temporary job for about the next 11 months or so. I am also in the process of setting up my own coaching business (evenings and weekends) and would like to write a book(s). I am also married with two kids and am…
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And on Thursdays we're teddy bear doctors
Hey, I'm winchester, and I'm in debt! (Kinda like an AA meeting there!) Seriously though, I'm starting this 'diary' as I want somewhere to post so that I can chronicle my adventure to debt-free-dom and have it to look back over as and when. OK. Over the period of about 5 years (I can't remember when exactly) I have managed…
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Just another diary - nothing to see here
Hi all This diary is just a self-motivator so I can keep track of my own progress. I noticed in January that I'd managed to rack up just over £19k of credit card and overdraft debt and, whilst the repayments are manageable, I just don't fancy having it hanging over me anymore. Using a snowball calculator I'm apparently…
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Newbie needs help
Hi I'm new to the forum -I've only just registered and I don't know my way round yet, so I'm sorry if I post this in the wrong place -please re-direct me! I've just got to the point where I think 'I need to do something', otherwise, I'm going to get into more debt. My current debt is £790, it's too my parents, so I know it…
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A year to 40 and a new life.
I am a bit of a regular in these parts but fancied a new name to go with this mission. Tomorrow I am 39. So I have a year to sort myself out before the big 40. I am adamant I will not be celebrating it in this house. Finances are shocking, weight is horrific, friendships rather tainted, love life non exsistant. I want to…
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Car Finance on a Debt Management Plan
Hi Everyone, I am very new to this website, I was told by a friend of mine that this is the best place to come for answers. I am currently on a Debt Management Plan, and have 4 years to go (2 years happily completed). My wife and I have a car on finance with Black Horse, which finishes next year (we either pay the final…
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Lightbulb no 3046..lol
I have buried my head in the sand long enough, and realised I need to do something about my debts.:mad: I have no one to blame but myself, as I spend more than I earn, and it will all be right tomorrow.Well it isn't. I have 6 credit cards Lloyds TSB balance £1978, limit £2000-no arrears MBNA £4300 and in arrears by almost…
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New hope - new diary :)
Hi all I have been on and off these forums for quite a few years now had a real run of bad luck last year especially financially but OH gas secured a new job after being made redundant and with a much higher salary things are looking up, I have posted a new soa on the dfw board and this diary is to keep me on track and…
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Dee-Dee's Debt Free Diary
Hi All, This is my diary for dealing with my debts - finally :D My boyfriend and I are in a lot of debt and although we can afford the payments we don't have that much money left over for anything else. I'm starting to see some light at the end of the tunnel as our first loan will be paid off next April and it is the…
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Laura's 3rd-time-lucky diary
So here it is, my third DFW diary. I've deceided to start fresh again as recently I have gone decidedly 'off the boil' with my DFW ways. I was doing so well... by September last year I had paid £2000 off of my debt. Impressive going for 10 months of debt busting (at least, it was for me as it was the first time ever that…
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Debt free by 25
Right, it's about time I get debt free. Here's my basic details. Income (i've just been promoted so i'm going to underestimate for now) : £1000 p/m Rent (I live with parents so this includes everything) : £100 p/m (I know, very fair indeed). Phone : £50 p/m (i'm stuck until Nov 2011) Monthly bus pass : £50 So that means I…
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About time too...
About time to start a diary me thinks! Budget wise, I think I do ok because I dont buy too much other than what I absolutely need, and I'm happy to eat the cheaper food and not buy clothes or anything pretty. Havent had a hair cut since October too! I know I could probably budget for it but right now I have far more…
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Time to be realistic - another LBM
Time to be realistic. Well I’m not quite sure where to start. I have typed and deleted this opening sentence and nothing quite seemed right. I had a diary on here before and did really well but I am impossible impatient and obsessively a drifter – I obsess about something for a while lose interest and then obsess about…
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Wake Up Shake Up
Morning all **waves** I have been here before a couple of years back under a diff name and lost the plot basically, from money to love to work everything went downhill so rather than digging all that up and looking back i want to look forward and get things sorted. My name, Hamster Wheel, something i feel like i have been…
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JC's kick up the butt diary!
well I think the time has finally come for me to start a diary. Anyone of you who has read my post from the weekend, will know the state im in at the min. Just want to say thank you for all your kind words and support. You will see from my sig, we have a lot of debt! Basically, OH is an idiot with money (im sure ive said…
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no more credit card!!!!!!!!!!!!
I've paid off my credit card today!!!!!!!!!!!!!!!!!!:j Thanks to my latest installment from student loans, I've paid off my remaining credit card. I went to the Job Centre with lovely boyfriend today, and the woman there suggested that I let the mortgage company know what's happening. I've called them, and they've agreed…
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My debt free diary
Ok so like a fair few people on here, i have decided to set up a diary of my plans to sort myself out. I got my credit report yesterday, and i knew it was going to be bad, but its kinda pushed me into thinking what i want from my future so about me I am 24, two beautiful children and a trainee motor mechanic. i live in a…