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To infinty ... and beyond
Well the New year beckons, the alcohol is flowing and I am feeling brave enough to document my intentions of being debt free by this time next year. I started this rocky road some 4 years ago, when I set myself a 5 year plan to be debt free. I started off with debts of just over £51k, and as I type this is now down to a…
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Slimming down the debt and the body in 2013!
Hi all, time to open a new diary up for motivation to keep me on the straight and narrow. This is my 3rd diary but my old one seems to have gone a bit stale, which is why it is time for a brand new one which will keep me on track to help me clear the debt and slim down my body. I am currently in £7,833 worth of debt and i…
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2013 is my year
Hi all Exactly what it says in the title. I am determined to acheive and have a great 2013. I start my new job on January 2nd and hoping we get a call about a new home for us sometime soon By we/us i mean My OH, our two DD'S and our DS. I will post an SOA soon Not in a great deal of debt. I would say around £1500 but we…
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Coffee, cats, cake, kids and casualty.
Mmmmm New Years Eve, and I thought I'd get a head start on the new diary. Have attempted 2 others in the past and have had to consign them to the dusty wasteland that is the internet, so thought I would start again. Having been away from mse for a variety of reasons, have spent the last few hrs with large mug of coffee,…
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Brand New Year Brand New DMP
Hi, Decided its time to create a diary for myself to keep myself going through my new DMP which starts January 2013. I have been a long time lurker on this board and my LBM was November 2011 with around £32K of debts. After a lot of budgeting and a very welcome PPI payment I am now down to just over £19K. But family…
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2013 - the best version of me!
It seemed appropriate to start a new thread for a new year, but it continues on the same theme, being the best version of me! :D A quick summary for any new readers! I am in my 40's and long term single. I live in a rented apartment which I love on the outskirts of the amazing city that is Manchester! I earn an OK salary…
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Self employed success or bankruptcy!
I've read a lot of the diaries on here and they are very inspirational. The level of support, empathy and advice is outstanding. So I thought I'd start one as well. It's as much about getting moral support as debt busting, although both are linked of course. I hope I can provide some humor to to diary as well. Some…
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Die debt...Bye debt :)
Hope you all had a wonderful Christmas and have a happy and prosperous 2013 2012 was a very busy and expensive year. We moved into our first house, got married, got our first family dog, I started a uni course and have been put on redundancy risk at work. 2013 is the year I am going to hopefully pay off all my debts. I…
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The Last £3k
It's New Year's Eve - a good day to set goals. In 2001 I was in well over £20k debt. I was also in the midst of a severe emotional breakdown because I lost both my disabled parents in 7 months. As a result of this I was on benefits from then until September 2004 when with the help of CBT and medication I was able to get a…
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Redouble Redoubles her Efforts to be Debt Free
We made the terrible mistake of thinking our debts were rather small and didn't matter and lo and behold, they're not so small anymore :o So, 2013 is !!! kicking time! It's going to be a really challenging year, we have a house move and the new house is going to cost us about 3-4 times as much as our current home and I…
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lionheartedgirl... moving on
Well I've been here 3 years now!! In fact 3 years tomorrow. Life has changed a huge amount in that time, but for various reasons my debts have increased. It's getting scary now as I have taken a colossal financial risk and returned to full-time education. I started my course in September and I've moved 450 miles away from…
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New Year = New Start
Well as the title suggests a New year is just begging for a whole new start I started a diary before but although i always seem to be on the site i spend all my time lurking on other peoples diaries and no time posting on my own. I will be more in control and organised in 2013. This means posting regularly. I will post my…
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Happy New Month!
As 2013 approaches I started looking towards resolutions for the year ahead - knowing I'd most likely to have broken them before the end of the first month. Then I came up with an alternative - monthly resolutions - surely I can't break them!! The first of my JANUARY resolutions is to sort the finances - that won't happen…
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300,000 2p's needed to get out of debt
Hiya I'm new here. I have decided that this is the year to finally get out of debt. I am married with a 21 month old son. We have spent our married lives 'finding' old debts and I would love to be debt free, especially as we would like to have more children. Our debts are one credit card £209.89, two overdrafts £1764.49…
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0% debt, manageable to pay off-what would you do?
Hi all. I have about £700 left of debt, and then i am debt free. The £700 is £0%, so i am not paying any extras for having that debt. As it is, i pay £80 a month towards paying it off, which is manageable now that i have paid everything else off :j So, i guess the question i am asking is- what would you do? Would you make…
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BlackSavings Diary!
After burying my head in the sand for a few years and just getting by, paying what I need to etc. I have finally made a concious effort to get my debts paid off. I currently have a personal loan and two overdrafts totalling at just under £7,000. I am saving £2.50 a week via standing order into a building society account. I…
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New Life Down Under
I cannot remember the name forum name but the lady was a midwife, worked in London but lived in Glasgow, she, her husband and son emigrated to Aus last October????? The new life down under programme starts again Wednesday morning at 9.15am and I am pretty sure its the one featuring the family. I know they had a week out…
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Clippy's shiny new diary :)
Hello all :wave: So I have started a new diary as my old one was a bit neglected! I want to use my diary to cover the following areas- Finances In Aug I would have been debt free but I booked two holidays :D :o :p I paid off all the old debts incurred from uni (not student loan though), buying my house (obv not the…
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2013 - a fab year in the making!!
Hey one and all, welcome to my new diary. Now I could whinge on here about my previous diaries blah blah blah but hey whats the point lets start on a positive note :D So 2013 is going to be a very big year for me. Firstly if all goes to plan and I kick my butt into gear I will be debt free :D secondly we will be going on…
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Fluffpuff's Daydream Diary for 2013
Well considering we're still in 2012 I've been super organised in getting ready for the new year and all the plans I have. Me and my partner aren't in too much debt. Aside from my car on finance which I currently owe £4200 on, we have a total debt of £3770 which I would like to disappear within 6 months. Then we can start…
