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Nosey Newbee LBM
Hello All I have been looking at this site for a long time now and have never been comfortable enough to post until now when i feel I am finally getting in control. my tale if you are interested is... About 4 years ago I had my LBM and broke down in front of my other half as i could no longer cope with dealing with it all…
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Dave's Debt Free Plan
Hi, This is my very first post. I have been spending the last few months completely sorting out my life. This includes my health (was very overweight), my family life, my work life, and now, at last, my finances. The Light Bulb Moment This has come indirectly through my weight loss journey. I read a book which taught the…
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goodbye nemo loans now one mortgage payment
as above finally got away from these people today had 43k left to pay over 20 years at 8.99% also got out of are fixed rate mortgage of 5.89% with 4 years left to run at this rate, which still had another 17 years to go we have now moved to a tracker at 2.99 also knocking 2 years off are mortgage so down to 15 years we pay…
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Climbing Killimanjaro (my mountain of debt)
My debt/spending habits have become a standing joke in the office. I laugh along but I don't find it funny when I'm at home at night worrying about paying my next bill (whilst admiring that new pair of shoes, or those expensive toiletries). Today is my first day of making that extra effort to get debt free. It won't happen…
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Reality check
Hi all, Today is the day that I have decided to sort my finances out as I am in my very late 20 and my partner is 35 and we still do not have our own house - instead we are constantly stressed, constantly in work and constantly in debt. We try our best but then we will have a week moment and we will spend where we do not…
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I can't think of a title.......just random words!
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Debt you are unaware of...
Hi, am new to here... My son has gone to Australia for 12 months to find work. When he left he cancelled his mobile phone contract with Orange owing them around £250. He is aware of this debt but I am unable to contact him at the moment as he is fruit picking in the middle of nowhere I have made Orange aware of the…
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Time to sort things out
I'm writing this and creating this thread in response to a promise I made some people who I've let down pretty badly recently. I've had some problems with debt for a long time and no matter what support, of which I've had a lot, I've never been able to get out of it, and it's been through misguided judgement of my own that…
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debt settlers / my debt solutions?
Anyone ever used them? CCCS wouldn't help me out as my left oversalary wasn't enough DMP after I had re-worked it all out it came in a lot less then estimated. I got a call from these guys and told me I can do £80 p/m over 9 creditors and I believe it was a £99 setup fee then £20 per month thereafter and the first two…
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Doing it for the little pees
Right, where shall I start? I'm going to keep this diary so I can keep track of reducing our debt and hopefully building up some savings too. We have got a fair bit of debt at the moment, and while it might not be as much as some people on here, it's a lot more than we're comfortable with, so I want to pay it off as soon…
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Money, From Bad to Worse.....Hopefully Going to be Good
Hi All I've been lurking for a while (since I got amazing support in 2009 RE my Trust Deed really...), since then I have been reading all of your diaries and I've felt quite inspired. So here I am....:j OK so a bit of background (and please be nice, I've beat myself up about my situation enough, no additional bashings…
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Sell or Save Survival Kit
Hi everyone, This is my first diary so please be kind to me!! I am a single mother with two children living at home, aged 16 and 13. I am retired from work due to illness and I am now for the first time in my life claiming benefits. My challenge is to do one thing a day to save money and one thing to make money as I really…
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Challeges i've set myself before starting
Hi all After years of ignoring the capital outstanding and just paying interest i have decided i wish to live within my means and get rid of all debt, this should take 12 - 18 months or at least its my target. My circumstances have changed recently as i will be a father for the 1st time in September, so thats an added joy…
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Debt free by 30 (2016) - $20,000 to go
After reading a lot of the posts on here the challenge I've set myself is much less than what some of you are doing! I have nearly $20,000 ($19,411.16) in US$ student loans which I am trying to pay back before I turn 30 in the summer of 2016. It doesn't seem like much compared with what so many people here are doing, but…
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Emz is sick of being skint...
Hi everyone Thought I would start a new diary. I didn't feel that my old one had a point to it really and wasn't going anywhere. Here's the link - http://forums.moneysavingexpert.com/showthread.php?t=3638599 Anyway, as it says in the title, I am sick of always being skint. I just really don't know where my money goes and…
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Debt Free in Three!
Hello all! I have been on these forums for years but have finally decided it is time to sort out our finances and pay off our HUGE debts! (I have registered as a new user as I want to be anonymous). My partner and I have been living beyond our means for years now, using credit cards – then getting loans to pay off credit…
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mmummy21s 3rd attempt at a DFW diary!!!
Hello there fellow DFWs. *waves* This is my 3rd MSE DFW diary. I just can't seem to keep on top of them and they get out of date! My diary will be pretty boring, mostly about parenting, housework and budgeting of course! I am a young Mummy to a beautiful 16 month old daughter. I'm also 21weeks pregnant with my second (yup…
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Purplerose's debt free diary
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Daisy_Butterfly's shiny notes...
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1431 Partners monthly income after tax....... 0…
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It has begun.
I'm not massively in debt compared to a lot of people but it seems to constantly be there, never going down. Hopefully this is a way to keep myself focussed on getting my debt cleared once and for all. My credit card is currently at £681.41 and I have a loan which is currently sitting at £3274.89 so it's almost £4000…