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help.....support....answers please :(
Hi firstly i am so so sorry if this appears as i am a whinging! i am just looking for a wee bit help or support. i am married with 2 dependants and an 18year old. we both work but stupidly have gotten in 2 alot of debt again (you would think we would learn from our mistakes but NO!!!:mad:) we currently have a consolidation…
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Jazee's Diary
Hello to anyone who decides to read my diary. I'm starting this diary as I want to collect my thoughts in one place. I have unsuccessfully put posts on some other threads, and some have disappeared, so I assume that I've broken some rule or other and think that here I can't break my own rules. I have been in debt since…
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OMG!! What have I done?!?!
I used to be a regular MSEr and managed to get rid of a lot of my debt. Although I haven't been about here much I have still been over-paying and moving money to get 0% etc. I still owe money but I have taken my eye of the ball a little with summer hols and now DD off school for the summer. But now I need to be back here…
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3 kids, 2 chickens, 4 debts...
Hi, I wanted to post an introduction as I'm excited to get started sorting out my debts, I hope it's ok to do it here. I haven't figured out the signature thing yet but here's a basic run down of where we are. It's very rough as we're on holiday so I don't have all the paperwork, but I think that having the free time to…
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A Fresh Start
Hi everybody, This is my second DFD. My first died a horrible lonely death around a year ago with a total of three posts. :( I read back on that post and realise how much of a complete idiot I was. I thought I was ready to deal with my debts and get rid of them but in fact the year ahead wouldn't change anything in a…
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Saving money and getting more organised
Hello, I thought I start a wee diary, thread about saving money, getting organized and kicking my behind in gear to get off the couch and get things done, a bit every day. Rather than procrastinating and finding excuses , which I’m good at :p . Sort of a mix of the Flylady thread, grocery challenge, the various savings…
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Time to sort our lives out, so we can live a little :-)
Oh dear, not a good start! Have just realised that I posted this in completely the wrong bit!! I'll try again :) Hi, Okay so I've been stalking the forum for a while but have decided that it's time to sort our lives out! Everything has been a little chaotic lately and I have let so many things slide, the main thing being…
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Avoiding Rock Bottom.....
Hello everyone I have lurked on the forum for a while, but decided I really must start a diary of my own. I'm in a pretty bad debt mess - I owe around £41k. This includes council tax arrears (which have gone to court), electric/gas arrears and an HMRC debt from when I was self-employed. I think my wake-up call today was…
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HOHOHOpotsgalore...
:D Iv decided the only way to go budgeting is to keep on track constantly, ad 1 little slip just sets me back a month or longer, sooo I've got so much going on in,life thus is my little hide away with privacy from the real world. My debts are coming to an end now and really dont want to start adding to them as I'm…
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Are you atarting a DMP in Aug / Sept ????
Are you starting a DMP in August or September????? Just thinking wht don't we have a thread to discuss where we are our plans, support each other as we're roughly be at the same stages. I know a lot of us have our our personal diaries, (me included), but i thought as i'm starting going through the motions, did my budget on…
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My new Debt Free Diary
I started one of these in Mid 2011 and it never worked! Too silly with what I thought I could live on, now I am going for it hard! The Wife and I have worked out our numbers to the penny and have scrimped and saved and sold our way to a lump sum that is ready to go! Creditors - Capital one -£191.20 Wonga - £483.20 Quick…
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Project 35 - Five months to turn my life around!
I'm not happy. There, I've said it! :o My life is not turning out how I'd planned, or even would like. My mum recently had major surgery and seeing her in hospital made me realise, perhaps for the first time, that life really is precious; we only get one shot at it and if I'm not happy with things, I'm the only person who…
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Money troubles, please help
I've got £2371.36 on a credit card. My interest is now 30% (It went up in February from 18%). I've been paying £100 a month, but my minimum repayment is about £50... so half of what I'm putting in! I've tried to switch the balance to another bank with 0% interest for 20 months, but got declined for all of them. Options: -…
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Positive actions will change my life!
I should be happy but I’m not ..! I have a husband, 3 lovely kids , a dog , a home and a car . So why am I not happy ? I also have massive debts which provide me with tremendous amounts of stress and worry and totally take the shine out of my life . You’d think with so much debt that I would have a beautiful home , lots of…
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Plans for the future...
So I'm making this as motivation for the following: 1) Holiday = £2000 ish 2) New camera = £300 ish 3) Move to Worthing = £? in 2-3 years times 4) Loose 3 stone by time I move I have recently moved in a new ward with a better pay, but I've not had a full months pay yet and they haven't sorted my wages out completely. I get…
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Wishing for a Life Down Under
Well, I'm taking a deep breath and here goes... I'm not new to these forums but have been thinking about beginning a DFD for quite a while. I think that having an outlet for my thoughts and ideas will really help. So a bit about me. I am a mum of 4 mostly grown up children, 26, 25, 22 and 16 and have been very happily…
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Mission - Debt free by xmas 2013
Hi :j As you can see from my siggy I am on a dmp with CCCS. CCCS predicted DFD is March 2014 but I have worked out that as each balance is paid off and more goes to another creditor the DMP should end Christmas 2013. But Christmas 2013 will not be my DFD I also have a CCJ. I pay £35 a month since 2009 but with solicitor…
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kirstle99's Motivation To Be Debt Free Diary
Hi All So, I guess a bit about myself is customary to start things off. I'm married with 2 boys aged 5yrs and 1yr. Me & my husband have been together for 9 years. In 2005, before kids, we were young and silly, had loads of credit available to us, and basically went a bit mad & lived beyond our means. In 2006 we started to…
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Lost and nervous - the next chapter
It's in the title - its the new chapter for me, I have realised that the old diary is very negative and even though I have come along way with that diary I need a fresh start which in my book, is turning a new page and starting a new chapter. For those of you who don't know, the shorter version is I am nearly 30,…
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Kingdom of Bed
This is my diary. I spend considerable chunks of my life in a dark depressive state, that usually means I end up not getting up, dressed, washed or going out for embarrassingly long periods of time. When my moods lift I call that time "my visit to the Kingdom of Bed". I believe that my depressions are triggered by anxiety…
