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Finally knuckling down!
Hiya. I've decided to start this diary hopefully to keep reminding myself to really work on getting rid of our debt ( mainly credit cards, overdrafts & a loan ). I know this time it will work as I've finally got my fella on board :dance: I've got 2 credit cards totalling just over £6000 and an overdraft of £500 and my…
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Time to wake up and smell the coffee!
Hello everyone, I have been glued to the threads in here for the past month after I finally had my LBM! I was touched by the support and amazing advice and thought jotting down my problems may help me get through this. Since meeting my partner 10 years ago we have built on our uni debt ... living an amazing adventure of a…
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Laura's debt free diary, i can and WILL do this!!!
Here goes the start of my debt free diary, I have worked out in total we owe £1701 (although i will refer to it as "me" all the time as i am in control of the purse strings!!), not as bad as once thought, its spread over 6 different companies and i cant help but think it may be easier to get rid of if it was all in one…
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The freezing, and the pain to come.
I've been reading some of these diaries with interest. And thought, what the hay, ill register and start my own. So here goes. Last night I bought my last bottle of wine and upmarket ready meal from Marks and Spencer. As I handed over my Amex card, the usual building up of nerves came: had I already hit my £5000 credit…
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9 credit cards, 2 overdrafts, 3 payday loans....oh, and I'm fat as well...
Title says it all really. I decided to join the forum last night after lurking for the past week on all your diaries. While I am absolutely in the sh*t with debts, a lot of the threads on here have inspired me to try and look on this as a challenge and have a sense of humour about it....a dark sense of humour, but…
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I have a dream ...
I am dreaming of a home by the sea, where I can see waves splasing, kids are playing...I go down the stairs barefoot, at the botttom my feet gets warm by touching the golden sand. I turn and look at my son who is carefree, my parents are proud of me and my friends are all around me...I see a man, he comes and holds my…
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Diary of an Ex - (almost) Spendaholic!
This is my first diary on here, I've spent the week reading a lot of diaries on here everyone has given me inspiration. Thank you all! I had got my self out of debt just before I bought a flat, then met my wonderful OH. 1 credit card lead to 3 then 3 Credit cards lead to a consolidation loan the consolidation loan lead to…
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She who never saves a penny will never have many
Well lets start with a little introduction of myself, I am married and have 2 beautiful children who are my absolute world. I have a 10 year old DS and an 8 year old DD. We became debt free in June 2011 after paying off £13.5k of debt which had quickly built up. I was too busy studying and just took my eye off the ball and…
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its hidden under the mattress....
My secret millions that is!! Now for reality :( I am 29 married with 3 children we have just shy of £30, 000 worth of debt and we need to save £2,000 to move at some point in the next 12 months :eek: My husband earns a reasonable wage and I am on extended Mat leave as childcare for 3 children will cost more than I earn. I…
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New life needed! My debt and credit score diary xx
I accessed my credit score today had a little look at my credit agreements and defaults which weren't too bad. But then I paid for the actual credit score SHOCK SHOCK SHOCK!! My credit score is: 91 :eek: and very poor I now feel embarrassed about walking into a Fiat garage not long ago and asking for finance. I can imagine…
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Removing this debt noose
Hello errbody! I've had a really difficult past few years, so it's only now that I'm beginning to come to terms with things and try and get back onto the straight and narrow, after steering off on a long, winding path. I've been a bit silly with money, I have a loan which sucks a lot out of my monthly salary, and also a…
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Lucky 13
Hi, another diary to add to the mix! I have tried this once before, not very successfully, didn't get beyond 1 post!! But now I'm back with avengence! Don't think I had had my true LBM but now I deffinatey have, I eat, sleep and breathe debt and it is time to take the bull by the horns and deal with it! Diary title lucky…
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Debt, Dribble & Drink.....
... A first time mummy's diary to getting debt free, providing for my little girl, and facing the uphill battle of MrR's continued overspending and overindulgance! After a failed attempt at keeping a diary at the start of this year I've decided to have another go. Hopefully it will keep me on the straight and narrow, help…
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Living to our means - Bufgers Diary
I dont have a massive amount of debt but i dont want any. I want everything that comes in on my payslip to be mine! I hope to be debt and mortgage free by 40, i'm currently 27. We have a 9 month old baby so we wont be going on any big expensive holidays for a little while so i'm counting this as the perfect opportunity! We…
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need major help
I'm hoping for some help. I've just lost my job, rubbish with figures. I was making about 1300 and just paying all and now will have a big deficit each month. I'll start by cancelling Sky (already caused a massive fight with that one ), phones are on contract, live in the middle of nowhere so need 2 cars to get a job due…
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Gambling: K9
Hi there I've had a quick look at this on the Internet and was looking for a little bit of advice - just one quick question, is it a "block everything dodgy or block nothing dodgy" thing or can I say block just gambling sites?
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Back to Black..
Hi all After many years burying my head in the sand, I recently decided to face facts and sort out my debt problems. To cut a long story short, some irresponsible money handling has left me with 2 defaults on my credit file and a few outstanding bills. Granted it's not as bad as some but it's my target to be debt free by…
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The last hurdle....hopefully i've learnt my lesson!
So i thought i should start a diary to keep myself well on track for the future! i have been in debt since i signed up for a sainsbury's credit card at 18 and it has just spiralled since then. I was doing really well reducing the debt until myself and my boyfriend went through a really rough patch a couple of years ago. At…
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CheapsKate's Money or Her Life
Hi everybody In spite of the lack of posting, I have been avidly following these diaries for ages and picked up some great ideas and so it’s time for one of my very own... On someone’s thread – sorry, can’t remember where – I saw a reference to Your Money or Your Life by Vicki Robin – subtitled Gain Control of Your Money…
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Gilligansyle's outside her comfort zone
Time for a new diary. Previous diary here I've been on these forums a while, took some advice, ignored some. I started my previous diary nearly 2 years ago, when I lost my job. Since then lots has happened. I've been unemployed, did lots of part time jobs to make ends meet. Then in March last year I started contract work.…
