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From here to maternity... Trying to be debt free
I thought I would start a diary on here, as I find it helps to keep an eye on my spending when I write it all down... I'm LittleBit. I'm 29 and live with my hubby and our 2 boys who are 1 and 2 years old. I am also 10 weeks pregnant (which was a HUGE shock!). We have some debt which I would like to try and clear (or at…
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Debt free by summer 2011
Yeh folks, its me again! Keep having this lightbulb moment but enough is enough. Im 19 and earning a good income yet iv not much to show for it so far! So im wanting to be debt free by the time im 20 which is at the end of June! So 7 months for me to clear it all off! Heres my SOA! Statement of Affairs and Personal Balance…
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A Clean Slate
Well, I thought I'd start a diary on here mainly as a way to keep myself motivated. My partner and I were in around £12,000 worth of debt, some was his, some was mine and some was joint. A few weeks ago we unburied our heads and decided to tackle it. Well, what a difference a few weeks makes; we now have some exact figures…
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Back again.......
Hello one and all some of you may remember me I hope :o although not entirely sure how long I have been away but its been too long. A bit about me. I am a 34 year old single mum with a mad springer spaniel and my latest addition to the family a 9 month old very cuddly rabbit :D I had a lot of debt a few years ago but…
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my debt free diary :)
Ok so this is my debt free diary, having had my LBM last month i am finally doing something about this horrible debt! I dont think anyone will be interested in what i have to say, but im going to write on here everyday to keep myself motivated. the big bad debts are as follows: virgin credit card £35 22% apr (i have just…
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Maisiemogs Debt Free Diary
We're now on a journey to be totally debt free for the first time ever in our marriage!!! The plan is to be completely free of debt by the summer holidays. At the moment we owe £5557. I am paying £307 off a debt this evening so by the end of today we will be down to £5250. I hope that by the end of the year we can be at…
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Is it the end, or just the beginning.....?
Almost 4 years have passed since I joined MSE. Laden with almost £100k of debt (and it had been worse) and no idea how to get out of the hole we were in, I was directed by Willsnarf83 (who doesn't appear much now, but to whom I will be forever grateful) to this site. Instantly, the relief of no longer being in this on our…
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Debt Free In 50 Days
Ha, I didn't plan that title, but it worked out pretty well, if I may say so myself. Anyway, hello. Even if nobody bothers replying to this, I think that this will help me achieve my aim. More often then not, I’ve been on top of my finances. But recently, due to many reasons that I won’t expand on, I’ve gone a little off…
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I think this might help.
I'm thinking I need to start a diary so I can get some motivation. It was going well but now I haven't been updating my spending diary and we haven't been sticking to the meal planner. It's not disasterous or anything but I think that's the problem, I know we've got some spare that I've allowed for in the budget and I keep…
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Starting my journey
Hi I am new to this site have read loads of threads over the past month and just want to say thanks, it is all very inspiring and a big eye opener. I am wanting to start my own diary as a means of keeping my head clear so that I can focus on the debt busting and studying for my accountancy exams. My story is not very…
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A new thread for Night owls and more
Many many moons ago there was a thread (or 3) for night owls to chat and while away the small hours. Since then the DFW diaries subboard was created and it seems more people now have diaries. But for those that don't (or even those that do) how about a place where anyone can stop by and have a natter to whoever else is…
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DFW'ers photographic challenge - use those £££ cameras!
This thread has been born from a conversation over on Pippilongstocking's thread where several of us were talking about the shameful neglect our cameras are facing. For many of us the purchase of said cameras have added to debt, in the long or short term, so then letting them gather dust seems crazy! So, what's the idea of…
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Trying to renegotiate mobile contract to save ££
I'm on a 18 month contract with T-mobile, runs until May. It's £35 p.m. with lots of extra mins etc etc - it was fine until I was made redundant. Now it's v v expensive! Finally found someone to talk to at t-mobile (tip - if you want a quick answer select the 'I'm thinking of leaving t-mobile' option at every opportunity.…
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enough is enough, head out of sand!!!!
hello all!! I have finally decided enough is enough and starting to tackle some of these debts. Here's a bit about me. I'm Lisa, 25 married to Paul, 27. We have been together since Oct 04, and got married march 10. We have a daughter Maggie who was born Oct 06 and a son Shaun who was born July 07. There is a 9month gap.…
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Doing it alone (well with a little help).
Has anyone else taken the step of moving in with their parents to clear their debt and/or save up for a house/flat deposit? How do you cope with your loss of freedom? I am currently debating with myself about skipping the house deposit and security of owning my own place for a life of renting and paying someone else's…
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Burnt rose petals, that should be my name
I think it's high time I made one of these. I was paid on 29 October, i.e. a week ago, and now there's under £100 in the account to last me for the next three-and-a-bit. I've no idea what's in my freezer or if it's even edible at this stage (I can't remember how long it's been there!) :o I'm thoroughly tired of never…
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Full & Final Settlement Offer?
If you owed money to 3 different creditors & wanted to offer a full & final offer dealing with them 1 at a time, starting with the one you owed most how much would you offer on a 10k debt for starters? would 40% be acceptable?...this would be under the circumstances where the person in debt was unemployed & had little…
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GenuinePlacebo's start to a better future
Hi Guys, I've spent a lot of time on MSE and have posted a few times on the House Buying, Renting and Selling forum as we've spent 2010 trying to sell our house and buy a new one. We are now set to exchange contracts on our house sale and purchase next week and move before Xmas! :j The main aim over the last couple of…
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My Story So Far
This is neither an impressive or inspiring story I'm afraid. I read about people here who life has dealt some really tough hands to, and that's why they're in debt. Not me. I got in to debt because I spent too much, even though I was earning well. I'd spend on alcohol, cigarettes, eating out, taxis, CDs, whatever. I have,…
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Forget Onwards and Upwards....Side to Side is much more fun
I have tried onwards and upwards and it hasn’t quite worked out this year, hence my new diary. Debts at present are: C&G loan: £22,000 – this is tied in with the mortgage so no great rush to pay off yet. Credit card: £3584.89 – 0% until September 2011 Overdraft: £2750.00 Total owed: £28,334.89 If you have read my last…
