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Determined this is my last debt diary
Hi all, I have been around since 2006 and just can't seem to get under 15k. I always hover between 15-18k. I am so sick of having the debt and although a lot of it is at 0% I am determined to kick its !!! this time around. I have a few bits and pieces of cashback due to me so as soon as they land in my account I will use…
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Where to start...
Evening All... i've been a long time lurker(same old story i guess), but ive been burying my head in the sand for too long, and now ive finally hit a wall. Due to personal reasons, over the last few years ive managed to get myself into a messy situation re Pay day loans (when i think of the money ive paid into those damned…
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New Diary New me!
Where do I start? I have been on this site on and off for years, every now and then I start a diary, clear some debts pat myself on the back and then slowly fizzle out and carry one with life. Well this time I am hear every day! I have taken some time off from Uni (3rd year Mental Health Nurse) to combat my depression, and…
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Mrs on a mission!
Hi there! I've decided to start a new diary following a significant change - I got married!!!! :D I am now, as the title of my diary says, a Mrs on a mission. That mission being to reduce my debt and clear it in full asap. At the start of this year (Jan) my total debt was £28,428.16, it now stands at £25,455.90 - that's…
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Lets clear this before #3 arrives :)
I have lurked on this board for years, readding though everybody's diaries and thinking about getting inspired. On the face of it we may not look as badly off as many on here but for some reason we never get on top of things hence why I am finally starting my own diary in the hope that we can finally get the debts cleared.…
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Paps Penny's
Long standing member back again... So after securing a job I have wanted for years and my outgoing back under control things were looking up for Pap. Except everything came crashing down when my car broke down and after paying to get it repairs it is still faulty and beyond economical repair. So I had to go and buy a car,…
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Baby steps to debt freedom!
Hello all :) I am setting this up so I can keep a more informal track of my progress, daily! I have a table in my diary where I note down every payment and exactly how much I have paid off each debt. I started back end of March collating all the information from the three credit agencies and letters I have received from…
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I WILL be debt free by 2017!!!
OK, so, I have decided to keep a diary to keep me on the straight and narrow as I have been wandering off track a bit recently. I have been on my DMP since August 2009 and it really was the best thing that I could have done. Actually it was the only thing that I could do but I guess everyone on a DMP is in a similar…
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Stepping out of debt and into the light!
I hope newbies are allowed to post diaries. I am writing this in the hope that it will keep me motivated on my journey. I have a long way to go but I need to get rid of my debt so that I can start saving for a house for myself and my 3 children. I am a single parent. I work 30 hours a week. I have a catalogue account with…
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Every Penny counts! Pun intended!
Its been a couple of weeks since my LBM and I'm feeling positive. :) Gone are the nasty credit cards (4 of them to be exact!, 1 with a nasty 39.9% apr!!!) and now I have one loan, one monthly repayment and a DFD in October 2013. :j All very manageable and I'm not longer spending £'s ever month servicing debts that weren't…
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Domravioli's debt free challenge diary
Hello :) I'm currently owing approximately £1,100 broken down as follows: Family loan £190 - pay £35 a month (0%) CC: £607 - pay £100 a month (0%) Littlewoods £ 211 - pay £40 a month (0% at the moment, will change) Overdraft £241 (pay off as much as I can!) I have a plan to pay these off within a year, as well as losing 70…
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Shopaholoic :<
I owe around £3,000 debt. To Capital One, T-Mobile, BT, and someone else I am sure but I just can't remember. Oh a company that I'm doing my Level 3 Qualification with. I struggle to find money to payt he bills every month because I just keep spending! On paper this is what we I have. £228 a week. Now this £228, pays for a…
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Here I go again!
Hi all, I used to use this site a lot around 5 years ago when I had approx £20k of debt. Since then I have cleared that debt, moved to our dream home and built the debt back up again ( see sig). A few things led to this: 1. DH and I are both spenders not savers 2. Furnishing/decorating new house - still loads to do 3.…
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Daring to be debt free diary!
Okay this is new for me so I'll only be updating this once a month just before or just after payday which is usually the 28th of every month. 28th May This month is particularly crucial as its the first month I'm implementing my budget. Properly. All my bills, debt and payday loans are listed and after calling around to…
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First year - £42k to £35k....
Hi everyone :o Starting a new diary - probably a bit controversially. People who have followed me generally tend to say that I shouldn't try and clear my debts, or I should go bankrupt, or think that I lack the capability to clear my debts (and I know when people say that, they are just thinking of me :A). Yes, I do have…
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My Debt Journey So Far... Debt Free Wannabee
Hello All, I am new on here, but have read through loads of posts, and have found loads of useful information. Just over a year ago (March 2011) the Police escorted me out of my rented house. This was for my own protection of my ex domestic violence partner. I moved back home to my parents. I was signed off work for weeks,…
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£37k to £0 in a (determined to make them wonderful) few years!
We started our debt free journey last month, April 2012, so I have decided to start a diary just to help me look back and see our progress! A bit of background... My husband earns a good salary (now £60k+) while I am a full time mother to our two pre-school children. I used to earn a good salary too but once child No.1…
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Paying it off (slowly and with the odd stall!)
Well I've braved my very own diary! I had my official LBM on 10th April 2012 and have scoured everybody elses diary for the last 6 weeks so now it's time to start my own :) After living frugally for several years being a SAHM I got a job... and quickly got into the attitude of 'well were working we can pay it off' and ran…
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We are here and need to get out of this hole...
Hello, After years of spending the grim realisation today hit me at the cash point that I have no money 'insufficient funds' said the cash machine! Now, I could kid myself that I get paid on Friday and all would be OK? Well this would be true for another month but as I have an overdraft of nearly £5,000 it is would be a…
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Debt worry- time to deal with it
After many years of burying my head in the sand and several LBMs that have been false starts, I am finally committing to keep this diary of my journey to become debt-free. Some background: I live with my DH and DS11yrs. We have been in debt since early on in our marriage 16years ago. This debt has now become unmanageable…