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New Year, New Start!
Hi All I've been a long time lurker on MSE and get real inspiration from the threads posted by other DFW's, so I thought 2012 would be the year I finally take the plunge and start up my own debt free diary! To be honest I've never previously really been one for keeping a diary but think this will really help keep me on the…
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Maybe 2012 should be MY Year
Hello All Well I have been on MSE for nearly 3 years (lurking) and started a diary in 2010 which I didn't really keep up to date with so have decided to start a new one for 2012.:o I have been inspired by people like Knitting Nora, Hypno, Lemon Tree and ZTD. Reading their diaries has made me realise we are not alone in…
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Fresh as a daisy
Hello, I've decided to start a diary to record my money-saving, decluttering, no spend days challenges that I'm setting myself for this year. I'm hopefully moving from a nice house to my 'forever bungalow' soon and need to get rid of junk as DD and I will only have 2 rather than 3 bedrooms to fill with our tut :o ! So far…
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Saving for a new Horse!
Morning! Ok a very strange title for a debt free diary, but I will explain better! I lost my very beloved pony on New Years Eve 2011 :( He was suffering from liver failure and made that hard decision before he got too ill and suffered to much. I am at peace knowing that was the right thing to do, he had been ill for 18…
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Oops where did it all go wrong?
Ok, I have decided 2012 will be my year to be DF. I have already completed my SOA.( single mums budget) I owe 12k on a personal loan £2400 Virgin credit card @0% so far i have done the following; 1)placed 10 books for sale on greenmetropolis 2)put my swanky quinny buzz on ebay starting price £50 3) DS clothes on ebay Have…
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Angel’s Flight from the Kingdom of Debt – The Take Off
Welcome Angelettes, So many changes in the short time since I began my last diary and, with the onslaught of the New Year, it seemed logical to kick 2012 off with a shiny new creation. One infused with positive energy, a new outlook, focused goals, fresh dreams & a re-sculpted me. HOW am I going to do all this….? Hmmmm ….…
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SF's 2012 diary - the most exciting year yet!
As it's a brand new year, I thought I would make a fresh start. The most exciting thing to happen this year in the SF is that I'm getting married :j :j so there is some planning still to go and some fun things to do on the way too. I currently don't have a job, but am looking all the time and hoping to maybe explore other…
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For once and for all!
I've been in debt since I started university at the age of 19, now 10 years later I still have that debt. Over the years I've paid some off then things crop up so it's gone back on. It is always there at worst about £7000 at best just under £2000. I can't really tell you what I've spent it on which is the worst thing, I…
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Budget is not a dirty word
This is my first attempt at a diary, not sure if it really belongs here as I don't have any debts but I don't mind if you don't. :) Let me explain first of all that I have always had a budget and am usually very organised with finances. It just that budget has always been somewhat flexible, especially when it come to…
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Tinks small steps = big dreams
Hi, Well i thought id start a diary so i can check in and track how im doing and to keep me on the right track! I have been a member for a while and after following the great advice on this site have made great progress (im actually a 3rd timer but plan to finish this once and for all.) I have 2 debts im tackling this year…
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Onwards & Upwards!
Hi all, as it's a new year it's time for diary number 3. :) Last years' diary can be found here. I live with my OH of 9 years and our three naughty Siamese cats. We got into a lot of debt when we bought our first flat 7 years ago and had all sorts of loans and credit cards thrown at us which we stupidly took out. Our debt…
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Time to address the finances...
Hi All, Thanks for dropping by. I among many I am sure have decided that New Year, New Start. I have been lurking around various diaries, gaining secrets to peoples successes and really being more and more inspired by the sheer hardwork and determination people have - along with all the support and comments provided by…
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Changing Habits for the better from today
Hi there, I am an avid reader on these boards and usually frequent the grabbit now forum.....however as a daily log in person....my house is bulging with bargains but also my bank balance is in the red. So this year I have the following to pay off. Also I have had my hours cut from 30 to 17. I am a single parent and am…
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Crunchy's Debt Deletion Diary
Morning all, and Happy New Year! :beer: I've already started a thread in the main DFW section, but I figured I may as well start a diary while I'm at it. I'll use this thread to congratulate myself every time I manage to reduce my debt :T So... the story so far... State of debt as of 31/12/2011: Littlewoods…
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Pay off overdraft one for the year 2012
Hello all. I am completely new here and in all honesty after a few years of having an overdraft of £1750 in a bank account sitting over my head. I am determined to pay it off as much as possible this year. I am now down to £1700 and will be hoping to pay off a bit each week and here I will keep my record!
