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Desperate To Be Debt Free!
Hi All, This is my first post after lurking for a few months and reading all the fantastic advice and tips. Decided to start a diary because at times I have found it incredibly difficult to come to terms with the situation I am in, and hope reading back will be a comfort to me as things gradually get better, and hopefully…
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Feeling mellonicoley about my debts
Well, I finally had my LBM this weekend. Previously I'd had two pseudo-LBMs. The effects lasted a couple of weeks before I was back out spending too much and borrowing each month to pay for it. I think however that this time it's the real thing. Last week, I found out that my mum (who lives overseas) needed to have surgery…
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HELLPP!!! Debt on credit
:) dont know how to delete so i just edited it this way haha
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Goodbye debt!
Hey everyone. I'm joining the debt conquering world, and have took a little time to set out the state of my finances as below - hopefully it's easy enough to follow. I plan to reduce the overdraft by £125 each month, so that in August both the loan and overdraft are paid off, allowing me to focus solely on the credit card…
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Think it's time
Well after a POOR ME. Day yesterday am feeling a bit better after a good sleep and think its time to keep a diary to keep on track. My LB moment happened wen was turned down for loan and finally decided to face up to my debt . ATM I owe £73 to a vet which am Gona pay off at end of month and then the biggies - £2735…
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My Long Commute - To Work and To be Debt Free
Right I have been inspired to start a diary by the other wonderful diaries on here. Over the years, myself and DH have been debt free but something has always happened to get us back into debt! Excuses I know but we are both determined to pay off our debt this time!! Bit of background about us and why I have a long…
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credit scoring - how many point given/taken
ive been watching it like a hawk, Yesterday Shop Direct said i missed a payment on my account and my score went down 38 points..then today Barclaycard updated my account, (which was all in order) and its gone up 38 points.. So, my question is; is 38 points awarded for each time a credit account is pain on time? I login…
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Debt free by 40?
Hello all, Have been a long time lurker and a very recent poster. Have decided it's time to really get these debts paid off as much as possible by the time I'm 40 (18 months away).:eek: Actions taken: All utilities on best options Extra dds that are not needed are cancelled Very account settled Know what is going out on…
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Our DMP Adventure or We Don't Have a Clue!
Well, I thought it was about time I started a diary, somewhere to offload thoughts, panics and bewilderments and hopefully get some advice and encouragement on the way, so here goes.. We started our DMP in Jan this year (2012). Technically, as we're not married and all the debts are in Mr BR's name, it's Mr BR's DMP but we…
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Trying to make a better life
Ive been feeling totally lost and alone with no clue on how to change my life but after some family issues ive decided that this is the begining of the rest of my life and things will get better. Its a scary place to be and i seem to be here alone with little support from the places i need it most. Ok so to start with i…
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Is it time?
Edited....this has become a bit of a multiple challenge thread. Started out as MFW and became a DFW. Covers a huge life change (new house, husband, baby and beyond) Hi All, I am a MASSIVE fan of MSE and am a graduate of the Debt free wannabe (albeit from afar/offline) having cleared huge credit card(s)/loan debts a couple…
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Redundancy payments
Hello all, my friend (honest) has credit card and personal loan debts totalling about £40,000, he has negotiated (temporary) reductions on some of the monthly repayments. He may be about to receive a significant redundancy payment, does he have to immediately inform creditors and clear as much as possible straight away?
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Small Steps to clearing Credit Card Debt
Hi All ive been lurking for a while and reading everyone diary for a few weeks, seeing what i can do to help clear some of my CC Debt i havent spent on a CC for 3 years due to cutting them up i fell into spending on them due to living above my means trying to suvive while running my house on a rubbish wage. For the past 3…
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New Challenge - a survey a day to boost my pay!
I have been on MSE for quite a while now and love how the challenges help to motivate me and show me new ways to make some cash. One thing i used to be good at was completing surveys and even though i know they can make me some extra money i have recently lost my motivation for doing them. I know if i could commit to doing…
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The ultimate debt free diary?
Has anyone on here come across a book called The Bankruptcy Diaries? It's by an English guy who got himself into loads of trouble with debt & banks and then goes bankrupt as a kind of protest against the system. I thought it was a damn good read and pretty relevant.
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Out of this rut, I'm not even 30!
Hmm, not so much a rut, more of a groove. There are quite a few things I want to change this year and they all seem to be connected to MSE and my debt-free wannabe-ness so this seemed like as good a place as any to document my plans and achievements this year. So, here is a lovely list of the areas I want to change (I love…
