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A flash flood of colour.....
Hi I have read a few diaries on here, it amazes me how positive and encouraging folk are. So here I am, ready to start my own. I have spiraled out of control. I did a balance transfer, and yet I still spent on that card. AHH!I did NOT learn. I was using my barclaycard to make purchases, it is now buried in my bedroom…
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Afraidandconfused Jumps in to join the wannabe debt free...
After recently posting over on the DFW board and ending up reading diaries for hours, I have decided I NEED to join in. There are some truly inspirational people on here and I can only hope to be half as good as some of you :A I will copy my SOA over from my first post I should add, we haven't actually had Housing…
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Debt collection
If I am on a prepay meter by my energy supply how can I then receive letters claiming I am in debt ? If I am paying for what I use and the gas/electric supply cuts off when its finished where is the debt ??
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card declined-thank gawd..
Spending has slipped out of control again, I can't wait til new year dreading bills coming through the door, sick of opening Xmas presents so going to start right now. ! Tomorrow after I've had a few hours sleep ss I'm nights tonight I will spend a few hours sorting out exactly whats owed and where..On the plus side…
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LHG - the biggest adventure yet
Evening all. I've been lurking for a while but not posting, but I need to get back in the habit. Life has changed again, and sadly I am now on one mahoosive debt-busting journey. For the very, very last time. It's not hard to find my previous diaries but to summarise, I bought my ex husband out of a very expensive money…
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Mrs McB's countdown to adventures with chooks (and Rock Gods)
OK, so I went and did it, I married my Rock God at a fantastically frugal affair last month. And I'm still grinning what fun that was there's a peek here! :D The best thing is we've no debt from the wedding as we bartered/begged/borrowed/sought favours and only paid for the bare essentials :) what a hoot that was. So many…
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Growing Up diary
Right, here goes.
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My psychology of spending
Morning all, I am well on the road to being debt free :) . But as weird as it may sound, I don't feel ready to be debt free yet. All of my remaining debt is at 0% and will be paid off within the promotional period - so there is no harm in keeping the debt a bit longer. Having some debt helps to keep me on track. So why…
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Remortgaging to clear debt
Hi, We have been on a DMP now for 11 years, we have approx. 60k equity in our house, and our debt is approx 17k. We would like to remortgage to clear our outstanding debt and so come out of the DMP completely. Having read through some of the posts on here, my understanding is most high street banks will not deal with us,…
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New Job, new prospects
Today I got myself a new job.:j with a little pay rise..:j spur of the moment idea, start in two weeks time............ so now its time to put hard earnt money into my way forward... I have so many ideas I want to do with my life. one is to sell this house I live in and move to the seaside to be near family. the only thing…
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The last few miles are always up hill
Hi, I thought I'd start a new debt diary to help me with the last £10k of my debt. I had my first light bulb moment back in 2007 when I could barely make ends meet. I was so stressed and just looking at my finances made me want to cry. I was in a low paid adminion job, had a partner who rather than helping, encouraged me…
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StressedStephs Fight against debt..Again!
Hi all, Here I am AGAIN!!. Tried and failed this year to stay on the debt-busting band waggon. Hit rock bottom this week (Funnily enough just before Christmas) realising that the debt is controlling my life and ruining it at the same time. There's no more ignoring and thinking it will go away. I have wasted the whole of…
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Daisychain1 Needs Advice
To all you lovely, lovely people who may read this, it's nice to meet you, I'm Daisychain1 :j I am not one for rambling, especially over the internet but at the moment I could really do with some advice. Because I am quite a private person I will keep my figures to myself (hope you understand) but could use your best tips…
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Can i ask for some back
Hi everyone, new poster here Ive been with a Debt managment company for a little while now and ive got a problem, basically i need a new tyre on my car and cant afford it at present. So my question is, can i call my debt managment company and ask them for about £60/£70 of my money which is about a months payment. Ive spoke…
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LBM day everyday
Hello all, Id like to invite everyone in calling me an absolute idiot for managing to dig a 13k deep hole. This has come about from a variety of reasons, buying a house and not changing my spending patterns was a biggie, gambling made things worse. Im currently sitting at: Loan 1: £5500 @ £160 PM Loan 2: £1200 @ £80 PM CC:…
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My diary to becoming debt-free.
This is just my diary on how I am becoming debt free. It is mainly so that I can see what, and how I'm clearing my debts. However, others can also see what I'm doing too :) So, my debts… O2 (CWB) - £77.07 Three (Moorcroft) - £23.16 Provident (CK Edrupt) - £390 Aqua - £397.72 Littlewoods - £493.94 TOTAL DEBT - £1,381.89…
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ShanShan's Diary - Debt Free Gonna-be!
Hello everyone! It's ShanShan here, short time lurker, long time Debt Free Wannabe. I love reading everyone's diaries so I thought I'd make one of my own. My friends and work colleagues are sick of hearing my financial rambling so it should be fun to tell someone who actually cares. :p Here's my current life/financial…
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How to build a life!
Hi mse'rs long time lurker who has decided he needs the help of the great members of this forum to keep on track and motivated (if you'll have me). And thought the best way to do this is through a diary. A bit about myself, i'm in my very late 20's and run my own business, i have an amazing girlfriend and we are at that…
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Midland Mummy Makes a Plan!
Hello all, I've read a few diaries on here and it has inspired me to start my own. We currently have a bit of debt, some managed (loan) and some not so managed (OD, next account, credit card) Our problem is we spend spend spend without really budgeting or planning and rarely check the bank account until the end of the…
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Acronyms help
Please can someone explain all the acronyms used on this site as I'm new to this! I know DMP debt management plan What is SOA? LBM? I know there are loads of others that I have seen but don't know what they mean and can't remember Thanks
