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list of challenges??
not sure if this is the right place to post. i'm sure i've seen a list somewhere of all the challenges that are going on. could somebody please point me in the right direction. thanx t, x
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Debt Girl needs to grow up!!! Here's to a debt free, healthy and happy 2012!!
After a year of lurking and being inspired by other people's diaries I thought I'd bite the bullet and start my own to get myself motivated. About me, I am just about to turn 29 and have been with my OH for 11 years, and we brought our beautiful house 4.5 years ago. As my username suggests this a secret diary and my OH…
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The final push!
I have been on the MSE boards since February 2011, and have tackled some debt since then but to be honest, I haven't been as serious about it as I could have been. Hence a new username reflecting what I want to be: a serious DFW! The only debts my wife and I have are credit cards (see signature) and these have built up…
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No more new shoes till at least 2014!
I should be at work today, instead I'm sitting here having just had my second LBM. My first LBM came a couple of years ago, when I found MSE, but life got in the way hence LBM No2. I'm not ill (I'll explain later why I'm not at work), so I'm bored, which led to a wardrobe clearout whilst looking for stuff to ebay. I ended…
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On the brassic bench and loving it!
So a wee bit of background. Have cut down on work in order to be able to give more focus to my DS who has ASD. This of course has the wonderful knock on effect of bringing about the dreaded "less money coming in" situation each month. As so many have already said you cut your coat according to your cloth. Or something like…
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Stop being so hard on yourself.....and smell the roses
I have had 2 previous diaries on here and both have been abandoned. I have found that I was putting so much pressure on myself to get the debts paid off ASAP that I wasn't stopping and smelling the roses. Well, I have achieved quite a lot of debt reduction and I am pleased with that. Much more than I would ever have…
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Thrifty is now my middle name!
I finally sat down at the weekend and went through all my bills, did the MSE budget tool and was shocked (but not surprised really) to dicsover I am overspending. I've gone through all my accounts, moved all my CC debts to a new 0% for 16 months card and I am trawling through here most days in search of inspiration and…
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Pay One Debt 2012!
Hi All I have decided to start this thread for people, like myself, who have HUGE DEBTS! Having looked through various challenges I find that the majority of them are not within my reach financially. I am on a DMP with CCCS so spare cash is extremely rare! I have decided that I am going to concentrate on paying off my…
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Living on Earth is expensive - But is does include a free trip around the sun!
I’m 25 with debts of 21K (not including my student loan) - There I have said it!! I have no idea how it got that bad as I honestly have nothing to show for it. I think it was just living the dream; I just thought live for the moment and pay it back later. I have had some amazing experiences and I never want to regret doing…
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Coppers dfw diary
Deleted old diary
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My only regret, debts and project baby-making!
Hi, I've been following the DFW forum for a few weeks and thought that my own diary might be worth a try - I'm not very good at keeping up with these things but I'll give it a go! A bit about me.... I am 32 in a few weeks, have an amazing live-in partner, good job and the ability to waste money like it's going out of…
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CorBlimeyHowMuchs Living the quiet life diary
:D :DMorning its 5.25am and yet again Im sitting here on the sofa unable to sleep, feeling restless, nervy with that feeling that somethings about to happen, dont know why I feel this way as my life compared to a few months ago is going really well. Maybe some of you know of me from previous posts but pottted quick…
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Newly in debt and raring to get back out of it!
Hi all I've been reading the DFW boards recently and have found all of your stories to be inspirational. I'm not quite sure where to start with my story - there aren't any bad circumstances or stress like most people's stories unfortunately tend to be. I'm quite a determined person. I spent a lot of my childhood wishing to…
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Pea's Debt Free Journey
Hi I'm Pea I'm a 29yr old single girl, living with my Mother, could do with losing some weight and I am in debt. So how much debt.... £17,622.80 (or there abouts) :eek::eek: Broken down into: Loan 1 - £3,980 (has another 18 months) Loan 2 - £2820.79 (has another 2 years) C/C - £10,822.01 (this makes me feel sick :( ) Scary…
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My journey to debtfreeness
Good afternoon all. Well ive been sitting here all wrapped up in my blanket and feeling a little bored. Im off work today as i have a tummy bug :( and not feeling to well with it but there is only so much sleeping i can do. So i thought i would update my financial plan for the next few years as it doesn't require me to…
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Being realistic, being kinder and taking my time.....
Not going to re-introduce myself as had many a failed diary but have decided that rather than have a diary titled 'debt free by...' or something along those lines that I am going to have a diary, just being me....doing my thing....no pressures....just getting the job done in however long it takes me to do so. No pressure,…
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StarCrossed's Journey on the straight and narrow
Hello! I am almost, completely debt free after several years. I'm left with a £100 overdraft (which I'm decreasing by £50 pcm so only 2 months to go) and a personal loan from my m-i-l-2-b which is at around £3,000 and I'm paying that off at £100pcm. This year we bought a house and I have started to save! At the moment I…
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Finally reaching out for some help...
I've been a member of MSE for a few months now, but have changed my name for anonymity. I came to these forums when I was £6k in debt and feeling quite swamped. I never seemed to have any money for myself, and wondered where it was all disappearing to. Over the past few months I've changed my spending habits, but not…
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2012 Frugal Living Challenge (Part 1)
Frugaldom's Frugal Living Challenge It's that time of year again, the time when we all need to start thinking ahead into the new year and how we are going to tackle any debts, generate extra income and squirrel away some savings. Please take the time to read posts 1 and 2 in full and check out the HANDY LINKS section. This…
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My Diary--------THE JOURNEY :-)
Hello :-) Just wanted to start a lil thread just for the the next 4 weeks to see how i get on.. im saying 15th November-15th December.. its kind of a mini goal thread to help me with my first month of making a change.. (UPDATE-THINK I WILL STICK WITH THIS DIARY NOW - WHY END SOMETHING GOOD) :) Please go easy on me.. this…
