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Skint dragon stops spending....
So here I am.... In debt & 6 and a half month pregnant!! In our house there is me, dh dd (7) two cats a dog and a fish (rip fishy :( ) I had my Lbm in Jan 2012 and since then have reduced our debt from £53,876 to £39,271 (may's figure) now i know this sounds a ridiculous amount but breaks down as follows: Shared equity on…
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Mr and Mrs D will be debt free
Right, here goes. I've decided to start this diary so that I can keep on top of everything!! If I work full time I can earn a pretty decent wage (I'm a supply teacher). That's not going to be happening for the next 10 months, though.........I'm due to have our first baby in 40 days. My maternity pay is starting on the 1st…
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I wanna be free...
Good Afternoon, I thought it was about time I wrote my stupidity for the forum to see. I will start from the beginning and I mean the beginning. Well, currently I am a hard working mum of two with two jobs. We live in a cheap built starter home that we bought 8 years ago for £130k through a shared equity scheme. We own…
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6 grand in 6 months - my personal challenge!
So, I'm a regular lurker on here but thought I'd make this my first post as I got quite excited - I just paid 360 pounds off a 500 pound-limit credit card!!!! :j It's a small step - my debt calculator is currently at 21,000 pounds but i want to get this down to 12 grand by Christmas. It is me and my Hub's combined debt and…
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Quidsy debt free diary
So here it is; I earn alot, I spend alot & over the years I have taken on alot of debt (Holidays, land, surgery). :eek: Last year I decided to take control, after being out of work for a few months in 2011 & then working only part time for 8 month of 2012, I went full time in August & decided to get my life on track, I…
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Almost there..
Hi everyone, I've been lurking here for a while reading different people's journeys. I'm absolutely amazed at how well people do and how much they acheive once they have their LBM and set their minds to it. it just shows you what can be done. Ok to my situation. Things aren't too bad but I thought I'd start a diary to keep…
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30k debt, is dmp best
I have contacted pay plan because I tried to get a unsecured loan and couldn't get one. I would ideally like one payment to get rid of the debt in 36 months. At the moment I can afford the minimum payments but the interest is crippling & I will never pay it off. Pay plan should be coming back to me today with their…
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coming to the end....................
Having been on a debt management plan since 2009, paying almost £1000 per month on top of a mortgage of the same amount, our debt has reduced to around £20,000. A recent onslaught of huge outgoings resulting from ageing dog and 2 old cars have left us completely out of means to get to the each of the month. Both myself and…
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Financially Free by 31.12.2013
So after a period of lurking & burying my head in the sand, paying off minimum payments and loans I have been inspired to clear all my debts by the end of the year. I had originally thought to clear one card approx. £3000 but after reading Ultimate challenge 457/ £16600k I have been inspired to do all in my power to get…
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Debt Freedom
Hello Diary land, I have decided to start a diary here, so that I can post my daily ups and downs, downs seem to be the normal. Although I am not in a lot of debt (2,000), thats enough to me as only my wage coming in. I spend money as if its going out of fashion. I just don't seem able to save. Got to spend any spare cash…
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We will do this...
Hi Long time lurker, finally decided to take the plunge and join up. I have put details of the debts me and my wife have in my signature. This excludes our mortgage as the plan is that once I gain my Debt Free goal, I will tackle the mortgage next. Having looked at snowballing etc, we have decided to start off with, we are…
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Cattle Class to Club World - Debt Free by 30!
So maybe I should start with a bit about me.....My name is Lisa I am 27, I got married last October and live just outside of Glasgow with my husband and two cats, biscuit and polo! I have always had credit cards since I was 18 and until I was 21 paid them off in full, I then max them out and defaulted when I moved to…
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DC's Debt Diary
Hi People, All these diaries have inspired me so much that I decided to start my own in the hope that it would help other people. Our light bulb moment came a few weeks ago when we realised that if we carried one at our current rate we would be over our overdraft within a couple of months, it could not continue! So me and…
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The Ultimate Incentive part 10. The only thing holding you back is you.
I returned from holiday this week with something clear in my mind. This is now no less than my tenth debt free diary. And you know what, in the very first diary I did it, I got debt free. I cleared over £16,000 in less than 9 months, so how has it taken another 8 diaries and 4 years to build up a huge amount of debt and…
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2014 the year of want but until then?
Well here goes we are a family of 5 both OH and I work and DD1 is at uni DS was diagnosed with very mild aspergers which we are trying to get removed from his medical notes as we dont think he has it there are other reasons but at the moment i dont want to say DD2 is at college and wants to go to uni to be a nurse We pay…
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as tenants in common,partners ccj
hi please can anyone let me know if I can be forced to sell my home when my partner has a ccj against him - we are tenants in common and its only him that has the ccj its nothing to do with me :(
