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There and back again... Diary of a debt.
I'm Cat and this is my diary of a debt journey. Initially, we will descend into debt and then work our way out of it. I've been here before, sort of, in 2006/7 and 2008/9 sorting DHs debts out. In April 2009 they were manageable when DD1 was born and we had a plan that was working so I let MSE guidance and support slide.…
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Want to be debt free
I have been looking on this website for about 6 months, I have decided today that I want to be debt free just need to convince my husband we need to cut back on our spending in order to pay more of our debts off. Not sure where to start really. I would be very grateful of any advice anyone can give please. I have listed…
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We need a bigger house so the debts have to go!
Well hello 2012, I'm back with a new name and a new diary. The old name revealed me to too many people (family) and the old diary... well I fell off the money saving wagon, kicks up the backside welcome all round :o So here I am, once again assessing the fact that: 1) my house is too small 2) I have a serious hoarding…
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2012 - It Starts Here
People, I've been a casual reader of this forum for a while. But I've been putting off the day I eventually sign up and begin dealing with my situation. I'm 22 and have accumulated through a four year university course a credit card debt total of just over £10,000 excluding student loans - to save me from a heart attack.…
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J4mes' New Life Starting........NOW!
Hi, I'm a new poster but a long time lurker! I've been waiting for this New Year to start since the start of December! Ok, so here's the rundown: I'm James, 25 from Newcastle and I had some fantastic news before Xmas- my partner is 9 weeks pregnant:j. However less good news is that we currently live in seperate houses and…
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Debt Free before my 25th birthday.
This is going to be my getting free of debt diary... I currently owe £1188.11 to lenders, which consists of; Wonga - £342.61 - I re-pay £25pcm Littlewoods - £490 - I re-pay £65 every 4 weeks Capital One - £355.50 - I re-pay £20pcm Today I joined the 'Extra payment a week Challenge'. I had an odd £8.11 on my Littlewoods…
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If all you need is love why am I in debt!
Hi all Have been reading some diaries and finding them so motivational I feel I should start my own.. So here goes Currently pregnant with bubba number 3 and I have 11 weeks till I'm due!!! I owe about £1500 on my HSBC credit card and £800 on my ASDA credit card. I know it's not alot compared to other people but it is…
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MaccaHallam's Debt-Free Diary
I've been using this site every now and again but I don't seem to be getting anywhere fast in terms of getting my debt down. I've never really tracked my spending so think this could help me be more organised. I'm in my late 20's and I'm still not on the housing ladder, this is my ultimate aim. I'm sick of treading water…
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2012 -The Year of the Deer
Good wishes for 2012 to all, It is here i plant my acorn small, And hope that with my love and care, A mighty money oak will soon appear, The just passed year was rather mixed, It gave some gifts and pulled some tricks, It gave me things for which i strived, But not in the right colour nor the right size, But in 2012 i aim…
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Clearing £10k off the credit cards in 2012
Having spent the last nine months browsing these boards I have decided it’s finally time to get involved. I added up my total credit card debt the other day and it currently stands at £15,533.03. I’ve always used my credit cards as and when I wanted and never really worried about it but I’ve decided it’s time to really get…
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2012 - The Year COMP Clears Out Her Pockets
No one can accuse me of doing things by halves. I moved in with my (now) husband two years ago and since then have racked up over £6k in credit card debt. This is not something I'm proud of. So what has it gone on? That's just it.... I don't actually know. I can account for about £1,500 of it. So. 2012. Last night I…
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The reluctant moneysaving equestrian smallholder
I am just starting this thread to try and motivate me to keep going this time. I'm an avid reader but I wonder by the state of my finances if I actually really learn anything. I do great moneysaving then blow it all :rotfl:This year I want to do better! My goals are to sort out a proper retirement plan and learn to budget,…
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20p Savers Club??
Hi All, I spotted on someone's sig that they are part of the 20p Savers club? Can anyone tell me if there is a new one for 2012 and if so where can I find the link? Thanks x
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The 'Why Am I So Skint?' Diary
Hi all! This was going to be called "The I want to go to Florida, think I can afford it but you never can tell diary", but I realised that's not my problem. This is me - a single mum to a 10 year old octogenarian! Seriously, I swear she was born 80! I decided that I wanted to take her to Florida before the 'magic' wore…
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Getting a grip in 2012
I've been lurking on here for years with the sporadic post from time to time. Over the last 12 months I've tried to sort myself out and fix my sloppy attitude to money but I've decided (along with most of the UK it seems by how busy this forum is) that 2012 is my year. I was pleasantly surprised earlier when I done my SOA…
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Diary of a Reluctant Equestrian Small Holder
A new year and a new set of resolutions. We have two bank accounts, a joint one that has an overdraft of nearly 2 thousand on and the other one - in my name - has an overdraft of £972.12. I did the figures on that second one today so I know exactly where I stand. I have no clear idea about the credit card debt but thats…
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Resisting the URG to Spend Whilst Getting My Life Back
2012 is a year of all sorts of fabulous things, the Olympics, the Diamond Jubilee and also the year that URG gets her life back. A bit about me – 33 years old, married for over 1 year, working full time in a well paid job that seems safe for the moment. DH and I want to have a family but there are few stumbling blocks in…
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Will the 60(ish)% solution work for us? Here's hoping!!
Whilst this is my first post this certainly isn't my first go at getting my money under control. I've never been one to get into huge amounts of debt but I seem to alternate between periods of being completely on the button with remaining frugal and vigilant with my money and then saying 'to hell with it! I'm going to…
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2012 My Year!!!!
Each year I say I will lose weight and save money and every year I fail!!! 2012 will be MY YEAR!!!! I have joined the Virtual Sealed Pot Challenge and transferred my first money - £2.41!!!! It's a start. I am joining Slimming World on Wednesday. I have done it before and I know it works well, I just need a big kick up the…
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New year, new start
So my previous thread had not quite gone to plan, i have tended to forget about them quite early on in the year so i am going to make it my new years resolution to keep up to date with this thread and try to update it daily. So a little bit about me, i am a nurse and live with my partner who unfortulatly is unable to work…
