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September 2014 here we go
Well, I've done my snowball and dfd is September 2014, only 28 paydays to go. :eek: I'm hoping to bring that forward by making overpayments to dreaded cc's as and when I can. Have been lurking for a while, getting inspiration from some amazing diaries on here. So it's about time to come out of the shadows and into the…
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There is a light at the end of the tunnel, going forward not back.
So I feel I'm intruding a little here, this is because my debt at the moment is about a £1000. My worry is, is that I could quite easily slip back into debt. It's taken me a few years to get to this, however. I got paid on Tuesday and today I have £1.21 in my bank account. The reason, last month I after I paid all my…
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My Quitting Smoking Diary - yours too!
Hi everyone, This isn't so much about me keeping a diary for myself, but was my journey to finally quitting without the use of hand-held devices. Now it can be used as a diary for others too, you? Essentially it's my diary as, believe me, I will certainly be chipping in :) . I am also here to help and support you, should…
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Diary of <3, aged 25 and three quarters
I've been reading a lot of other diaries on here and finally thought it was time to start my own. So, a bit about me. I'm 25, work full time, study for a masters part time, have an OH 28 and a pup aged 4. Between me and OH, we have the debt in my signature. And, at the moment, only I have a steady job so we're watching the…
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It's a new dawn, it's a new day and in two years i'll be feeling good...
Hello, have been hanging around on other people's diaries for the last year as i went through bankruptcy, now discharged :j:j:j and although i have 24 payments still to make to the Trustee i feel soooo much better:D and want to start a diary to help me chart my way to financial freedom and choice:D. So whilst i count down…
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Getting clarity on my finances
Hi, I've been receiving Martin's email for a few years and I read some of the posts on here. I've decided it's time for me to get clear on my finances and clear my debts. Recently I've felt things have been snowballing as there always seems to be someone or something somewhere waiting for my money before I even have it in…
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The books aren't balancing!!!
I've been around these boards a long time and really should know better by now, however, I'm in more debt now than I was some months ago...and that's really not going to improve over the next 6-9 months:( I know why I'm in debt and HATE having it....but don't really think the light bulb is fully on yet....it's getting…
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considering doing a masters alongside full time job
new debts update! natwest 2266, southern 1264, cash point 1065!!! CCJ now thou :( chantry 774, money shop 735, gothia 716, vanquis!! no longer on my dmp!! dont know why??? equidebt 281. topshop 0 :j paid was a ccj, student loan 140, frederick 183.75, burtons 135, talk talk 115. new total 8175 + advantis 450 £8625 Old total…
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Ppi
Just reclaimed £3079.00 PPI. I am so glad I put my claim in. Now I need to decide how best to apply it.
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The Taylors Triumph in 2012 - or ASAP!
OK, I am a mum to 2 kids, married and a lot of debt! £25,087.00 to be exact!:eek: This is various loans, credit cards, overdrafts and a car loan. Whilst battling depression and speaking to a counsellor I realised 2 things. ONE - I needed to start taking my medication again. TWO - I needed to pull my head out of the sand…
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D.f.w. one day
Finally sat down and wrote out how much we owe in debts and it comes to £8,300 - Debt in OH name £1,700 (4 debts) - Debt in my name £6,600 (5 debts) It's been approx a year since I got myself a basic bank account for my wages to go into, no overdraft on it, no debit card or anything. I did ask them about upgrading the…
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Keep Calm and Carry On
Hello diary-land! I started my DMP late last year, and after some hiccoughs it is going, erm, well just going :o I have decided to set myself a challenge on top of my DMP - to save 50% of my debt at this current moment in order to be able to make some F&F payments. It will also give me a safety net for the next time the…
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debt form 2001....
hi i dont know if anyone could give me some advise, in january 2012 i took out a sim only contract with orange, the bills was paid on time every month and now ive just upgraded to the iphone 4s and again the bills have been paid on time, i phoned orange this morning to get my girlfriend a sim only or rolling sim on my…
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Getting married soon ... how to do the money?
I'm getting married in mid July, and my positive net worth day is some time in October/November - for this first time since I was 18, I'll be owed more than I owe (which I've been treating as a debt-free day)... The girl I'm marrying and I have pretty different attitudes to money - I give myself a budget that I stick to,…
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Return to Solvency
Ok so I have finally plucked up the courage to start my diary. It's a really good way of recording the events that take place in my effort to finally become debt free after years of struggling and robbing Peter to pay Paul. I had a mini LBM in 2007 following some traumatic life events and plucked up the courage to inform…
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Can we turn off the LBM
Hi, I've been lurking on these boards for a while reading about everyone's hard work and trying to pretend my debts will just fade away without any need for extraordinary measures. And this evening I thought it would be a good idea to add up all debts so I knew what I was working to. Thing is, I haven't had the courage to…
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Third time lucky... And I want a house
Hello all, My first post as a debt free wannabe *gulp* Why do I feel embarrassed when I know this is anonymous?! I'm 27 and I live alone with my cat in a nice rented flat (for nice read at the tippity top of my budget). BF of 4 years runs (fledgling) own business so lives with his parents... This is my third serious go at…
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Zepsgal's dream of an Italian Adventure :-)
Well, after being a lurker for years and a poster for a few years, I thought it was about time I started to tackle my debts. Properly this time, telling you all about what I'm doing, so you can encourage me and tell me off when I fall off the wagon :rotfl: I work full time, same job for over 5 years now. DH was made…
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MIT's penultimate diary
Well I have 2 years, according to my best friend the snowball, to go until I am debt free. My diary is getting too big now so is being retired along with the other 2 and this will be a shiny new one to see me through until next May when I will start my final debt free diary :D . I'm absolutely determined and my goal by…
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can i have a months break re cc payment?
I am moving into a cheaper house share at the begining of June (great in the long run!) however as I need to pay a deposit and rent up front at the begining, it is leaving me with not enough to pay the minimum payments on my credit cards. Can I phone the banks to ask them for a 'months break' i suppose? Will I still be…
