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Muchin's diary of recover; becoming debt free and being happy
Hi everyone I'm not new to MSE and have had a debt free diary before but it's time to start afresh and hide behind a new user name:rotfl: My last diary helped me clear my debts which were about £10,000. However as you can see my debts have creeped back up but are manageable. Firstly, I will tell you a bit about myself. I…
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Romylou lightens up in 2012!
Hello fellow MSE'ers Welcome to my new Diary for 2012 (the least said about 2011, the better). As you can see I have put my outstanding mortgage from Sept 2011 on my signature. I am currently with NRAM and in all of their wisdom, they have decided to stop issuing quarterly statements (swines!!!) They will now only send out…
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It starts here!
So after a bit of a wake up call I have decided to get debt free within a year! After a bit of adding up it would seem I owe £4436, (with £1440 due to be SB by November 2012) I have agreed to repay one creditor back in 3x £266.34
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Herb Girl's Mission to Freedom!
Hi everyone, Im been a lurker for far to long on all these boards, and after my magical moment of finding a fiver yesterday :D It occured to me to stop hiding from my problems and just start fixing them!! So this is the first entry of what I hope will be many in an attempt to pay off the debt. Wish me Luck!:T
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Advice greatly needed
Hi guys. Looking for some good advice. Over the past 11months i got myself into a pickle with payday loans. It has now got to a point where i'm really in it. I estimate they total around £2500-£3000 somewhere. I recently thought that's it i need to sort this now. Again like an idiot i rang the first debt management company…
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Shopaholic on the road to recovery!
I love the stories on this board. Everyone is so positive, so non-judgemental, and the way that people are dealing with and have successfully dealt with their debts is inspiring. I come before you good people with a confession: I like shopping. I like shopping so much that I am £6,500 in debt. £3,000 of that is a loan that…
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Be debt free
what is the point
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A Fresh Start
Hi Guys I have recently been inspired by a diary and have now decided that I need to give myself and my DD a fresh start, get out of debt and be happy! So I am classing today as my LBM. I have already worked out all my debts and as of today the total is £9118.19. A little bit more than I thought but I am giving myself two…
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Jars of Coins
We've got a couple of jars of coins: one coppers and one silver. I'm reluctant to give away any of it to machines. Would a bank give me a pile of those plastic bags they use?
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Break on through...2012
Here is where I begin: [January 2011 total debt: £4576.65] November 2011 total debt: £1330.10 3 days to payday...1.....2.....3.....
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A few months and several questions
Well it had to happen sooner or later... not sure how I managed to rack up 3 stars without keeping my own diary before, but clearly me and MSE are a long term thing :rotfl: I've just joined the Debt Free by Christmas 2012 Challenge :eek: , which is going to require, er, focusing. My circumstances have changed a bit in the…
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First Step of a Long Journey
I am in awe of some of the stories on here. Some people have done so well in becoming debt free, and other people my heart just bleeds for, makes me realise there is always someone worse off. I'm hoping that by unloading my thoughts and ideas on here will help, none of my friends know our real situation, so it's not…
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Boarding the Bus of Positivity (for 24 months of travels!)
Now a veteran to the Debt Free Diary scene, this is my fourth and final chapter in the battle to become debt free. Previous installments can be found here... https://forums.moneysavingexpert.com/discussion/2809744 https://forums.moneysavingexpert.com/discussion/2313539…
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Sorting my life out (on a budget)
My name is Antonia, I'm 26 and I need to sort my life out! My current debt is £3457 and I want to pay it off as soon as possible, so that I can start to think about saving for a deposit on a flat. My diary is going to cover my attempts at money saving, while I try to sort out the rest of my life, particularly my career and…
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Exiting The Shadows
deleted due to sell outs
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Getting it before it gets me
Between us we owe: Me Overdraft £2,000.00 OH Overdraft £2,200.00 Me CC £1,865.16 - Target March 2015 OH CC 1 £3,300.00 - Target January 2014 OH CC 2 £400.00 - Target March 2012 DWP £144.00 TOTAL DEBT £9,909.16 My current plan is to pay OH CC 2 off first because it's at 34.08% APR. 4 months at £120 and it'll be gone. I…
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If at first you don't succeed!
Well who would have thought I would be back here. I cant be the only one that has crashed spectacularly off the wagon, it seems to happen as soon as I am in a long term relationship. Anyway time to get back on it and sort it once and for all. Debts Virgin 2131.88 @16.00% and 1980@0% until dec 2012 – total £4111.88 minimum…
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Reality check - Debt clearance starts now!
Statement of affairs complete, and I've got a jaw-dropping £35,000 of debt in my late twenties. Admittedly, £20,000 of that is Student Loan and I'm ignoring that in my debt-free mission - I haven't included it on my SOA, and it sneaks out of my pay packet each month. It'll be clear in under 5 years at the rate I'm paying…
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I have nothing
My attitude to money stinks. I NEVER look at my bank balance or statements. Never answer the phone when banks phone. Never look at bills until they send round a warning letter. I just whack my card into the machine and pray it works. This month it doesn't.... I blew my pay in a week. So now I am behind on my rent and am…
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My debt free diary, gonna be here a while!
I have decided to make myself a diary to see if i can be better at paying off some debt this time, i keep making small inroads only to go back to square 1 a few months later, I am due to have a baby in 7 weeks so really need to get myself on the straight and narrow. We have a combined debt of £30,000 its that shocking!! I…
