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Cataracts??
HI i am not sure where to post this .. But please can anyone tell me if you now have to pay for Cataracts if you have them done on the NHS, i was told that if you went on the list now you would have to pay ... I am not sure if this is right thanks x
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Debtfreeeju's Random Ramblings (AKA getting rid of £10k in 15 months!)
Right, so about a month ago I had my LBM, after many false-LBMs over the years. And now I'm proud to be dealing with my debt one day at a time - I'll get there eventually! A bit about me: I'm 25, live with OH in rented accommodation and have been in debt since I was 18. My parents have been fab and have really helped with…
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£2013 by 2013
Hi :hello: This is my 3rd attempt at a diary, of sorts. Maybe it's my 4th... Anyway, I really need to make a definite dent on my debts and drag myself under control. My name is Laura and I'm 30 years old and I really need to get a handle on things again! My total debt is currently: £11013 :eek: This is an increase of £743…
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Breakfast at epihanies...
Hello...it's breakfast time and It's time to force a bit of an epiphany out of myself...again. So, here I am in diary land again! Last time I was here I was planning on moving to London, from Wales and all sorts of other things. Most of which are done, save paying off the debt. In fact, it has, of course, increased. It has…
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An Entrepreneur in Debt - My DFD
Hi Everyone, My name is Lee I am an Entrepreneur and I am in Debt.... I have decided to start a Debt Diary for two main reasons: 1. I need to admit to myself this is a problem (and take action) 2. I need accountability and support (hopefully for the MSE community) For the past 15 years I have worked for myself (self…
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help for letter writing
hi everyone, i am looking for advice on how to word a letter to my creditors. i am in the proccess of setting up a dmp but need to notify my creditors and to send them a token payment for this month or until my dmp is sorted out.i have been browsing through here and everyone seems very friendly and supportive of each…
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Charityworkers debt free diary
I have a £14,000 debt for a caravan which I've already had 3 years. I know, I know I should get rid of it but I probably wouldnt sell it for anywhere near £14,000 so here is how I'm going to chip away at that debt. I do online surveys, sell my unwanted stuff online and save money wherever I can. I'm going to make a note of…
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Starting again
Well, I started trying to get debt free around this time last year (managed to pay one of my small debt's off), but everything went up in the air, then there was a house move and lots of other family problems and sadly, debt went to the bottom of my 'must do' list :( . I am now back though! And ready to get debt free…
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Fed up of the skint life
Statement of Affairs and Personal Balance Sheet Household Information[/b] Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 827 Partners monthly income after tax....... 0…
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Time for me to grow up...
Right o, I have a fresh cup of coffee beside me and will lay all my cards on the table. I am a 26 year old who had some idea aboutt her finances but fell in the category of 'will deal with that later'. I moved to the UK four years ago and the only debt I really had was an overseas credit card (approx £3000). About three…
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Glass half full not half empty, yet again
Well I'm back, again! This is the last debt free diary I am going to have and I will do it this time. I'm single mum to DS who is 10 in January and have been his carer since September 2010. He has ASD and was not coping at school and only attending an hour a day (loads of info on previous posts) so I made the choice to…
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lightbulb moments
Hi there, I've been lurking for a while reading the forums not because I am in debt but because I never want to go back. I hope my story give those hope that you can get out of debt. Ok so it started 11 years ago, my ex partner and I sold our house in the boom made 30k profit each and I spent like I'd never spent before 25…
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Confessions of a student in debt!
Hi, I am new to this area of MSE! I am currently a post graduate student and have still got debt from when I studied my undergraduate degree! My lightbulb moment came when I couldn't even get a current account (even without an overdraft facility) and had to get a basic account. It dawned on me that one day soon I will want…
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Turning the lights back on...
After reading a few inspiring diaries, I have decided it's time for mine. For now just an overview... which will not be straight-forward at all. I'm 26 years old & have just got divorced. Yes, divorced. It's horrendous, I am aware. After the worst 10 months of my life (since he left to now), I'm trying to get back on…
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Emz will be debt free in 1,000 days......
I have been thinking about starting a new diary for a while. I have been playing around with figures today, and realised that I could be debt free in 29 months. Before I can start tackling my debts, I need to pay my mum back the money I owe her (around £1,800) and get my bills up-to-date. So I have set the target of 1,000…
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3rd time lucky
Not othering with a run down of my debts at moment till I get mynext CC staement, and can not rembember sign in details to fnd out balance. Mainly fact is a failed, but since this is my final year as a student, I seriously need to make sure I am atleast on £0 in bank with all accounts cleared rather than -£1900 plus debts…
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My name is Loubie and I think I have an obsession with my spreadsheet!
I check it everyday even though I am only updating it once a month! On the other hand I think I have an obsession with Money Saving Expert too! I am forever reading the DFW board and more recently the diaries. Hence me starting my own.... A little on me: Just turned 30. Left uni 8 years ago with only about 4.5k of debt.…
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Healthier, wealthier and wiser – My DFW diary!
I'm really not sure where to start with my first post in this diary but here goes! I am in debt! There we go – I said it. I don't feel good about being in debt but I actually feel good saying it, admitting to it and now dealing with it. I had my “lightbulb moment” a couple of months ago but have now also decided to record…
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Time to wake up, what a year!
Hi all Today i had what people call their lightbulb moment! This year has been not very good really, i have lost 3 friends one after another and had a scare with the birth of my first child. We have also been burgled im self employed and struggling to get money from people so have ended up in a bit of a pickle and not…
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Living a students life
Hi there :) My name is Nat, whilst I'm not in debt (well, depending on when I look at my bank balance!) I am a student on a very small amount of money trying my hardest to enjoy uni without *becoming* in debt! I thought it'd be ok to have a diary to track my budgeting and hopefully teach myself some decent money habits? :o…
