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A new year, a new start at 50
This is my second attempt to keep track of my spending, first diary disappeared but am going to more determined effort. As my diary title suggests I am 50 years old in 27 days and I have realised that I have been in debt for at least 20 years..... but no more. My flicking LBM has gone into extra bright and I feel ready to…
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New year, new name, new life (literally!)
I had a diary just over a year ago but I stopped posting. It really helped to keep me on track so I'm back again. In January last year I was made redundant. I live in an area of very high unemployment (so like the rest of Ireland basically) so haven't found a job yet. DH is a student but starts work experience end of…
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A grand a month down - yikes!
Afternoon all. Am starting a new thread away from my general musings https://forums.moneysavingexpert.com/discussion/3445909 as I need to keep focused. In a nutshell, on top of the ridiculously high debt we carry, a malfunction at work has resulted in me having to take another job with a takehome pay of precisely 1k a…
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Cakelovers 2013 Money
Hi All I haven't been on for a while, as it usually goes I am on here religiously then I slowly end up not coming back! But, 2013 I am looking to pay off debt and save money for a house, holiday and a hen party (not mine yet)! All in all, I want to get to about £9000. This will cover the debt paying off, the holiday and…
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Patches of sunshine on the horizon... Blue sky in a year!
With less than a year to go on my IVA I have decided to make the most of this year so that next Christmas will be a complete fresh start for me and my two dd's. After a year of saving my birthday and Xmas money my laminate floor will be finished today. This is a big lift emotionally as my carpet was filthy, shrunk at the…
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Countdown to retirement.... oh dear
Here it is.... I'm pretty scared about posting this tbh but I need to face up to reality. I have only 17 years till I retire and I need to put some sort of long term plan in place. I've been on this site for a while so I know what I need to do but I just don't seem to be able to do it. I NEED FOCUS.... I've decided the…
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A Step A Week by Echo...
Hello! So let's get to the point then...! I'm Echo. I'm thirtysomething, married and a stay at home mum to four little scoundrels:D Why am I here? My main motivation is that 2013 is the year we start saving for a deposit on a house. With four little ones, space is at a premium. The younger two share a box room, which…
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sorting my life
Evening all, Not sure how I have ended up here on a friday night but have spent most of the evning reading about other peoples successes and thinking I want that to be me.....going to try and post regularly and as much support, suggestions and help would be greatly appreciated. When I do my budget sheet it looks like i do…
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Time to stop pretending it will be ok!
Ok so here I am. I tried to do this a couple of years ago but life took over and I just sort of coasted along going from one month to the next. Robbing Peter to pay Paul. Convinced that it would all work out in the end. The truth is I am now sick of surviving. About worrying every month whether I will be able to make it to…
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Stop the ride, i want to get off AGAIN!!
I have been on this site, on and off for the last 4 years, and still my total debt remains about the same despite efforts to pay it off.:( This year was written off as got married :Dand have been saving up to decorate the downstairs of the house as was in dire need. So, here i am, back for the final time as I will get rid…
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The not-so new cazzy
Hi all I'm finally de-lurking after 2 successive Christmasses of viewing your DFDs and trying to use them as a launch pad. I'm not in debt persee (sp?)but I'm not going anywhere either!!! I'm a 25 year old single female, qualified and working supply teacher....but I still live at home with my parents and my sister. Whilst…
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Shiny new debt diary - at the foot of the mountain!
I guess just after Christmas is a time when many people start new diaries, so I thought I'd join. I've had a very difficult year in 2012 and I'm really hoping things will get better. 2012 has taught me that many things are outside of our control and that the most precious things in life are very fragile, so I decided to…
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Free by Fifty
Time to start a new diary. My last one fell by the wayside a few months back and I have the sudden urge to get my head into some kind of order. This seemed like a good place to do it :) I have been plodding away at this MSE lark for over a year now and it reaaly has become second nature to me. I have budgets, which I stick…
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Nagme's Diary - getting it under control in 2013
Seasons Greetings everyone, I've been a long time lurker and even had a mortgage free wannabe diary, but there's no point in overpaying the mortgage when there's a balance to be cleared on the credit cards! :o Just worked out we have £8,000 balance on the cards. Plus we have a loan from the in-laws for DH's car. Plus we're…
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Driving Down Debt
Hello! I've been lurking around these parts for what seems like forever, so I guess it's time to bite the bullet and start a diary to keep the momentum going. I'm more doing the diary to keep me on track with my targets rather than for advice, although of course any words of wisdom will be heeded! A bit of background: I…
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Right, time to get a grip!
OK, here goes. About 7 years ago left ex and found myself in about 18K of debt. Paid most of it off............... Fast forward to today, debt has crept up again to ......... £23, 728 :eek: Also the house is a tip, which is feeding my depression. Need to get a grip on this so thought I would start a diary to help keep me…
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My ramblings to "Sort out my life".
Far from originality, I am using the New Year to finally get in control and "get my life in order". Every time I struggle to get something sorted.....my key phrase is "sort your life out " hence the title As a brief introduction: Who? Our household is 2 working adults and 2 spoilt dogs. We are child free (as opposed to…
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A Budgeteers Continued Quest to be Debt Free & Mortgage Free By 40
Hi Everyone :wave: I finally decided to start my new diary!! I was just too excited to wait any longer and I also have far too much to keep track of too - all of which I wanted on my new diary rather than my old one - so instead of waiting until New Years Eve - because i'm rock and roll like that ;) I'm posting now :D I've…
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Return from The Road to Ruin
I guess, like many people at this time of year, thoughts turn to New Year resolutions. I tend to make several, only to have broken them by the middle of January :o This time is going to be different! Although I have a fair amount of debt, it's not worryingly so, not yet anyway. To me, this seems like the ideal time to take…
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Lose weight, stop smoking, debt reduction and simplify my life
Hi, I am hoping this diary will keep me on the straight and narrow... Lots of things to do in 2013 but baby steps:-)
