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LooseCannon's DF Diary
Inspired by MrsB83's diary and journey, I am finally starting my own. A brief insight into my life; I am 31 years old, married to a lovely 28 year old girl, have two cracking kids, boy aged 5 and girl aged 2. I am fulltime and DW is part time. We have approximately (soon to be accurate) £22000 of debt on credit cards and a…
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The first post is the deepest...
Finally I've faced up to the fact that I need to manage our money. Long and short is I'd always worked in fairly well paid jobs as has OH - Due to a change in circumstances/location this isn't lkely ever going to happen again BUT (and this is the biggy) I've been blithely just spending what I'm used to and opened a letter…
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Financial Freedom Frenzie
Hi, I've been a lurking for some time but have decided that I need to keep track of my progress! My darling Hubby died unexpectedly leaving me with 2 gorgeous children to support. I have no idea how I'll manage - but sincerely believe that I will. I must be debt free and live a life where I work when I need to. Despite the…
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Right I will NOT be 40 and in debt humph!
Have been lurking on these boards for quite a while now and have recently had a promotion at work which made my lightbulb glow at over 100W rather than flicker around 25W :D as i will be getting a little bit more money i have decided that i should be in a much better place than i am. i waste money - simple as that, i used…
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Need suggession to solve my debts issue
HI EVERYONE I am jessi. Last week I got a letter from FREDRICKSON INTERNATIONAL LIMITED agency. The letter staes that" FREDRICKSON people are traced me and they found my address and asking to call back to them. I f I didnt call back they are ready to take action on me". In the last year NOVEMEBR I taken 5 contracts and…
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The road to freedom
Hi and welcome! This shiny new diary thread is my attempt to thrill and delight you all with my journey to debt-freedom. In the 4 weeks since my lightbulb moment came crashing down before my eyes, I've been hanging around on these forums picking up tips and motivation to stay on track on the road to becoming debt-free - or…
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Chin up, keep smiling diary
Starting a new diary for a new phase in my forever debtbusting life. :) :):):):):):) Gonna start with a smile and fingers crossed I going to keep smiling to get through the next couple months. This is more about me holding things together really and finding some positive vibes along the way. Current situation is a major…
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Marti's Diary
Hello all, Not as new as you may think, I've been secretly spying on you all for 4 years and thought it was about time I got my act together! So I decided to sign up and write a diary to get my debts down. The breakdown... Loan - £1393.50 H&M - £253.34 (my biggest downfall, why did someone have to tell me they let you pay…
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Story of one man's LONG road to financial recovery
I need help! I know what I need to do. I know what my problem is. I read this site all the time now.[STRIKE] I just can't stop spending![/STRIKE] *edit* Yes I bl00dy can - I've proved it! Read on :) I have made massive strides in reducing my overall debt and I'm very proud. The biggest dents, however, have been as a result…
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deep breath! here goes...
Finally admitted today how bad the debt really is.. OH was shocked and angry. I don't understand how it's gotten so high! We are a big family, 4 children, I'm a stay at home mum and my OH works full time. The debts are mainly cards. We have a mortgage, but have never missed a payment on any of them, until yesterday. I…
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My first post on the way to debt freedom!
First off, I'd like to say a hello to all..:) been lurking the past few weeks and feel inspired to start on my journey to being debt free (until I get that mortgage of course!... then aiming to be mortgage free ASAP) . Ok, so here goes: Theres me, hubby, toddler and the cat... all in a 2 bed property.. mortgaged with…
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"My name is FattyBettyBoo and I'm a spendoholic"
So, for about 2 1/2 years now I have kept an an4lly accurate spreadsheet of all my spending in a bid to shame myself into not buying things I dont really need .... but it doesn't really seem to be working, so I'm going to try a diary. Trying to shame myself isn't working, so maybe having to 'stand up' in public and admit…
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Keen to be debt free's diary
Hello everyone, I've decided to start a diary here - seems to be a great place to be able to discuss/rant/moan/worry/celebrate! with others in a similar situation - and I'm hoping a visit here every day will keep me motivated. I have built up quite a bit of credit card debt as you'll see from my signature and I've now…
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Olympic Dreams...
Hi all, If any of you have read my previous diary...I failed!...or at least I'm significantly off track! I think I was putting too much pressure on myself, trying to do it too quickly and most importantly not quite counting everything. So this time, It will be less specific. I figure that by July or August payday next year…
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I'm a debt free wannabe!!
I had a light bulb moment when i got back from my hols last month, infact it was probably more while on holiday as realised if we want to be able to go on holidays need to sort some finances out! So i started by doing a SOA, shocking how much i should have left, so thanks to some advice on here have started tracking…
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Should I begin a debt management programme
Hi there I'm new to this site so bear with me. I have been struggling with debt for a while now and am seriously considering a DMP. I am worried that when my mortgage deal runs out in a years time that I will not be able to get a new deal. Does a DMP affect your credit rating badly. Any advice apreciated
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Crunchie Time (and not just on Fridays)
Hi All Well have been on this web site for a couple of weeks, just lurking, watching and posting occasionally. I have signed up to a couple of forums to try and see how I could rise to the challenge. Now is the time to take the plunge - I cowardly waited until today as I was due to pay off 1 of my 0% CCs today and wanted…
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Debt free today
I am debt free hurray!!:j It has taken me from April 2005 until this week. Have paid £34742.37 with the help of Payplan. I cannot believe that I am free of it all. I am especially to be soooo glad to not have to speak to Lloydtsb again, for me the worst bank out of all of them. I am jumping for joy, it has been a real…
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Fresh Air for dinner if I carry on like this.....
Hi, I have had a light bulb flickering on and off for the last 4 years, done a bit to pay back my debt but invariably loose the will to live because of something else and it goes on the back burner. This time I will payback every tiny bit, I am not going to post an SOA yet as there are a million and one things changing…
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Set sail on HMS DMP.....
Hi everyone, Very briefly here's my story... 32 years old with a decent job and no reason to be in lots of debt, but here I am with (at the worst) £53k of debt. I could try and make lots of excuses as to why I am in this situation but really I was just bad with money. I'd spend more than I earned pretty much every month,…
