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The longest journey - one step at a time
Been a reader of the forum for a number of years now, never wanting to admit that we had a problem. We thought we could keep control of it all but how wrong we were. So here we are - over £88,000 in debt but ready to start sorting out the problem. Our joint LBM came a few weeks ago when things just got too much for me. OH…
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I WILL pay off my debts!!!
Hello All, I've been a lurker for about a month, and this is my second post - my first was to sign up for the Olympic Challenge! My owings right now are... LTSB Loan 1 - £2291.60 LTSB Loan 2 - £5579.89 Barclaycard (0% til Jun 2012) - £3600.85 Total: £11472.34 :eek: So a bit about me...... I can't actually remember a time…
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Elmer's moneysaving mission
Hi all. I am not new to the forum, but have since forgotten my old username etc so I recently made a new one! A bit about myself. I currently have a fair amount of debt, amounting to £31300. Some of this is from a student loan which is at a low APR, while the bulk of it is from other loans and credit cards. My mission this…
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Time to get sorted!
I have been a long time lurker and come onto MSE every day to see how people are managing with their debt. I thought it was time to start a diary to keep me on track as I tackle £12,000 worth of debt! I know where the money has gone - I have an expensive lifestyle with two horses, two cars (1 a 4x4 to pull the trailer!)…
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.... And we're off!! (Albeit a bit nervous)
Hi everyone I'm about to default on my loans in the morning. The many loans I have are as follows: NatWest: £4400 Welcome Finance £600 Capital One (card) £520 Wage Day Advance £375 PayDay Loans £500 PayDay Express £500 Quick Quid £750 Cash Choice £500 £8145 :eek: I have been in contact with Payplan and worked out that if I…
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2011 .... Late start but better late than not.
Realised towards the end of last year that my outgoings were regularly exceeding income. The stategy of putting those big one off spends on credit cards to get by had suddenly as if by magic resulted in 25K of debt. Updated - debt details. The debt was in form of 3 year Bank Loan (16k taken out in August for home…
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Time to get it sorted!
Right, this is it. I have been looking through people's diaries for a little while and have had my LBM and need to get the debt sorted out and then remain debt free. Unfortunately the winter did not help with the debt. The reason being we purchased a Freelander from someone on Ebay. What a big mistake. We drove 200 miles…
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The futures bright.....the futures debt free
Lurked for weeks and decide to take the plunge so here goes..... A little background about me :j: Very happily married to DH for last 22 years with two beautiful, intelligent daughters aged 19 and 15 ( nearly 16 which apparently is really important!), the eldest at uni and younger in GCSE year. I acknowledge that for some…
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THE FUTURE IS ONE BIG CHALLENGE AFTER ANOTHER for 3Dogs and friends ..... PART 2
Well I certainly didn’t expect to be having to start a new thread so early in the year – we aren’t even at the end of February yet – chatty lot aren’t we? For information, Part 1 of my Diary is here and Part 2 here. Those diaries dealt with how we got into the problem we were in, and how we came to get help from MSE/CCCS…
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small steps and a fresh start......my journey starts here
So this is my first diary entry having recently joined the forum. A bit about myself - I got myself into debt around the age of 20 and it has just spiralled out of control - for almost 10 years (i'm now 29) I kept my debt a secret - I was ashamed and embarassed. I just want to sort it now but finding it difficult - I have…
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We cant make our mind up
if we should stay put or follow our dreams of living abroad, so I have decided to keep a diary for me to put down my thoughts as I think I am driving my family and friends insane. So some background. OH and I have 2 kids DD 9 and DS 6. We sold our house last year and moved to a new area. We had planned to buy another house…
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Flash the money arrives - bang it's gone!
Hello, I have decided to keep a diary to keep track of my progress and try to keep up the momentum of our attempts to get rid of our debts. We have been rubbish with money for years, we have even made attempts to clear things off before but always fell back into bad habits - no excuses, they are pointless and can't be…
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My latest sacrifice
Hi Folks! Today is the day! I've been a fake blonde for the last 20yrs and have always had it done at the salon. I have to get the roots done ever 6wks. I wonder how many of you are in the same boat! Anyway, I have calculated how much this costs me over the course of a year and its over £400! :eek: Think of what I could be…
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Soooooo had enough of this debt...bored now :D
Ay up my fellow DFW peeps, Donna here again. After several months of giving up on my diary and lurking about on everyone elses, I have decided to give it another shot and see how I fair at trying an awful lot harder to become a DF peep myself. A little about me...31 year old single mum of one amazingly cool 14 year old DD,…
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Cleggies road to being debt free!
Hi All, instead of clogging up the DFW board with my thread, i thought i'd start a DFD (i presume that anyone is allowed to do this?). So, here goes! For those of you who don't know me, i am a single mum with 2 children who are 11 and almost 7. I am also a full time uni student, doing my degree in Psychology. My debts are…
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I have the poweeeeeeer!
Hi all, I'm feeling like an empowered moneysaver at the moment - I don't know what's come over me, but I seem to be on a mission like never before! I've never really got to grips with my bills and debts before, only making a few half-hearted attempts in the past. But in the past few weeks I've really started to feel like…
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Statement of Affairs.
This is my first Statement of affairs on MSE. I couldnt think where all my cash is going as I am clear at about £930 below. We have recently paid off our loans which totalled about 450 so thats a big chunk of it, but Im still 400 out. We go out alot so maybe drinks and eating out isnt enough. I just had to buy a new car at…
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Little Miss Determined tries to stay focused
I've realised that in my life I often become determined to do something. I charge at it with great enthusiasm but then after a while realise that it is not sustainable and so lose heart and ignore it for a while. I then start to feel fed up and sorrow for myself and then become determined to restart and so the cycle starts…
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100 months to turn the money situation round
Hi all , well it's that time again for me ... so what's been happening since i last had a diary well things have been hell marriage wise(slowly things are improving) .... once again we split and really i had had enough of all the crap .... but without going into too much detail online i was "persuaded" to give it one more…
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2011 is about time Mrs jj and I grew up....
Hi everyone. I'm a long term lurker who needs to get a grip with money - as in being able to earn it and then not give it to various credit cards/banks for ever and ever. Mrs jj and I have had the LBM and it wasn't a pleasant experience but it was a GOOD thing to have. We both earn decent money. Far more than alot of our…