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One last attempt and getting everything in order!
I have decided that I need some help in my push to get out of the mountains of debt we are in! I thought I would attempt a diary to help me concentrate and remember why I'm doing this. A bit of background for those who don't know me... My husband and I are approximatly £38k in debt, down from £53k at the highest point -…
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Too much month at the end of the money!
Well guys, this is the first time I have ever posted so I guess I should tell you a little about my situation. My husband and I both work full time and have 2 lovely sons. We are in a fair bit of debt (32k in total) but we are managing to meet all our monthly payments. The problem is that even though we have a little bit…
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Macgirl's "I Can Do Anything....If I Put My Mind to it" Diary
Hello! Since starting my last diary "Stop Procrastinating and Get on With it" lots has happened. The main thing is realising a dream of moving to a larger house more suited to family life – we moved in last week and it already feels like home:j But I have also realised that I only procrastinate about paying off debts (and…
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A Day in the Life of Red!
:jHi and welcome to Reds Diary As you'll see from my user name, I'm fond of a glass or bottle of Red Wine on the odd occasion! I live in a rural area of Northern Ireland, enjoy my job and love to cook. I was lucky enough to find the MSE forum following the accumulation of debts in the region of 38k:eek: Although my debts…
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MrsB83's Debt Free Diary - it starts here!
I'm an occasional lurker turned first time poster. I'm 27 and married, own my own home (hello negative equity!) with no kids. DH and I are fed up of cruising along, just payng the minimum on our debts and not making any progress towards our goal of moving home. We both hate our current house and we'll do anything to get…
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Debt Free Diaries - The Book?
Wow you are an inspiring bunch. So it got me thinking - maybe I should bring out a 'Debt Free Diaries' book of the stories here to help others who don't use the site be inspired and save. And I wanted to canvas your opinion. Here's a few issues 1. Do you like the idea? 2. I don't want any money for this (though of course…
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TizerCats Fiscal Adventures
So I have finally taken the plunge and started a diary. Took me 2 days to think of a title! Now its done. To introduce myself, I am 44 years old and have been a single parent of two children for the last 18 of them. DS is now 25 and DD is 20, both still living at home and at this moment in time we are all working.…
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answers needed asap please.
The very short version is i owed 1500 for council tax & it got sent to bailiffs even though i was under the impression it was being paid.The bailiffs have split it into 3 seperate debts even though its the same year & bill so every time its 3 charges on letters,visits ect.I rang bailiffs & they said can only pay it once…
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Oh No! It's a journey of £38,000 - This time it's personal.... (Now with proper SOA)
Hi all, I think this is what's called the LBM........ Somehow (actually, not "somehow" at all), over the course of the past ten years, I've gathered a load of debt. Over £30,000 worth of debt. If there was a smiley for someone being sick, I'd have used that here. It was manageable, until the day my partners income reduced…
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New Life, New Bank Balance!
Hi everyone, I've not been on here in ages and I need somewhere to note down my frustrations so I thought that this forum would lend me a sympathetic ear. I hope you don't mind. Here's how things are with us. We've taken the plunge and my hubby has started a 5 year spell at University. He is taking a 4 year biology degree…
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Walking the walk...
As the title of the diary suggests, its time to stop saying 'when' and time to start making sure the changes happen. Im sick of sitting back, dreaming of being debt free but not putting the work in to make that the case. The point is (for the time being anyway) DH and I earn enough to survive on every month and make big…
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Welcome to Jo's Diner!
Welcome to Jo's Diner! :D :wave: A place for me to ramble on and hopefully for friends to visit for simple and friendly chit-chat about all manner of randomness......books, food, telly, food, crimbo :santa2: choklit, food, you get my drift ;) So, first things first...... 6-hour slow roasted pork :drool: No lurking now,…
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Gingernutbizkit's Positive and Simplified Life
Hi all. I'm returning to start a brand new and sparkling clean diary. As the title suggests this is all about my quest to become more positive and to make my life simpler in the hope that I can begin to enjoy life truely. Although many of you will know me from my former diaries and forum lurking I think it's worth me…
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What should i do??
Hi guys and girls, i was stupid in my younger days and got myself into debt, and didnt do anything about it for several years, however i decided to man up to my debts and get them paid off as im in a new higher paid job etc etc... now, ive started paying these debts off with the creditors, but how do i get it cleared…
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Here we go with sorting my debts out!
Evening all. I ( myself and Mrs roomtobreathe ) have slowly become enmired in the debt swamp over the past couple of years. It's been hard work but we've finally reached a place where we can't spend any more cos nobody will lend us any! :p So we had out lightbulb moment and have just paid the first payment on our CCCS DMP.…
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Double Trouble but twice as nice
This is my new shiny positive thread :j I am only going to post positive things :D I am 51 years young and in November I will have been married to a man I adore for 25 years:A I am no longer obese and by December I will be a healthy weight:) I have 4 wonderful much wanted much loved children two sets of twins and they are…
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Roll on Christmas 2011
Starting my Debt-Free Diary today, as a way of keeping myself on track...hope it works! :D October 2010: Total debt: £6292.70 (Loan from friend = £4560, HP for car =£1732.70) January 2011 total debt: £4576.65 (£3765/£901.65) March 2011 total debt: £4054.75 (£3326.34/ £728.38) Finally 'nasty' debts have gone! Three 'payday…
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The Giving Up/Cutting Down Alcohol Support Thread - Numero 9!
Here we are again, time for a new thread, new starts, new challenges, NEW POSTERS PLEASE (not that there's anything wrong with the old ones, so please stick around ;) ). Let's take a trip down memory lane and remind ourselves of In Search Of Me's (ISOM) original post in Part 1: "There are a few of us who want to give…
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Being on the straight and narrow... and STAYING there!
After weeks of lurking, have decided to pop in and say hello. We have a little debt but my DH and I need to get ourselves under control once and for all. The last couple of years we have been very fortunate, have earned a decent wage between us, managed to survive ok and have treats etc. When I was a student, I had a large…
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Working towards being debtfree....
Hello, I thought I start my own debt free diary to help me keeping focused but also to remind myself of my journey and any achivements during this time. I had my LBM in 11/2009 and had debts standing at a total of £44624 :eek::eek: I never realised how bad it was until then. But rather than trying to scamp through the…
