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Here we go again...
They say it never rains but it pours. After struggling to get ourselves more or less on top of our finances over the last year or so, we’re now back where we started. My partner lost her job a few months ago, which put a strain on the accounts, but as she was unhappy there anyway, we saw it as a good opportunity for her to…
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DFW - End is in sight?
Current debts: * Dad [STRIKE]£12,000[/STRIKE], £10,200, £200 pcm, Dec '18 * Santander CC [STRIKE]£4,507.52[/STRIKE], £3,510.89, £250 pcm, Nov '15 Future Estimated Expenses:* Wedding :eek: £4000-£5000:eek: Aug '16 Future Estimated Income:* Employee Sharesave £6000 + profit from sale of shares, Apr '17 Been trying to run…
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A fresh start...
Hello all I've decided to start a new diary. I haven't been around for quite a while, although have lurked in the background. So currently we have around £10,000 of debt, a £7000 loan that was taken out to sort out our bathroom and roughly £3000 on credit cards :mad: The main reason for the cc is I had a baby! He came with…
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Shifting this debt one £ at a time.
Hey everyone :) I'm back after being awol for a while. I completely lost my MSE mojo, life was getting in the way and the finances not improving. I've been lurking around, but neglected my MSE friends and haven't really been posting. I've decided I need to get back into it and focus again and hopefully some old and new…
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A new start
Hi everyone , feeling a bit better today than yesterday i have a lovely hubby and 2 wonderful children both got good jobs but sadly we got ourselves into a mess with our money . We have a BIG loan that's got another 2 years to pay which is like us paying 2 mortgages :( , we also have the credit cards which once that loan…
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Dragons DMP .
Just a brief intro I have opened a new diary as I haven't a clue how but we have gone from DRO-IVA-DMP via PP to a self managed DMP within the month and finally feel comfortable with the decision of going with S/C.. For the first time in 10 years of being together hubby and I have actually sat down and spoken about money…
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Need to get a grip!!!
Title says it all really, I do a budget every month and then don't stick to it. Managing reasonably well, but moving house at the weekend which is going to cost more. It is affordable, but only if I stop all the random spending on a whim I seem to do. Currently have about £3k on a credit card and a £500 overdraft, if I…
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Time to get serious!
Hi all, So it's been 5 months since I started my last diary. I managed two whole posts and then never posted again. Since that last post I have raised my credit card limit from £500 to £750 (and then maxed it out) but have reduced my loan from 3000 to 2731 so I guess I've evened out to a big fat NOTHING saved! Anyway, I've…
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108 spiders are a girl's best friends
I have just lost half my income and the house has become home to some truly enormous spiders. One particularly gruesome specimen lives beneath the laundry basket and another one torments me from under the cooker. I was starting to feel really sorry for myself, but I have decided to see them as a good sign!! 8 is now my key…
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What the hell is wrong with me..Spendaholics Anonymous
:j I'm awake ...I have had a semi - LBM every year for the last 6 years ...yet here i am .. Rock bottom month is here .....maybe i will die of starvation at least then i wont worry about how bad things are.. What the hell is wrong with me.... Keeping this diary i hope may keep me on track to sort my life out ...unless the…
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Ŵant to be hopeful, not hopeless!
Hi, We are quite a bit in debt. It is causing problems with our marriage, causing a lot of stress and anxiety and affecting our day to day lives. I am a mature student at university, my hubby is a self employed tradesman and we have a four year old who has just started school. I thought I'd give a bit of background history…
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Debt Free soon I hope!
My life has gone from being in debt constantly since I was 18, to now where I can see a light at the end of the tunnel. I currently own a business and have done so for approximately 6-7 months. The business turns over enough money to keep itself afloat and pay me a regular wage. I pay myself minimum, so still find dealing…
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Banwa's back again (£26k, that's right, £26k)
Hello everyone (again), I don't know why I am surprised I am back here. I knew things would be tight when we bought our new house, but blimey, things are really tight. I have been completely burying my head in the sand for the last year (and overspending), but now is time to face facts To summarise * Moved house last…
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not so secret debt busting diary of GG
Hi, Been a lurker on mse for a few years, in that time I've gained debt :o and paid off some debt but now I've decided to come properly out of lurkdom and start a diary of my own!! This is attempt two as I started one previously but a family bereavement shortly after starting put money saving very much on the back burner.…
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Our Journey from Debtdom to Freedom
Ok, here goes...(gulp!) If I'm completely honest, my LBM was back in 2012. I've been aware that my over-spending could not continue but in all honesty I've been in denial. I've been an avid reader of all of the diaries on here for some time. I've learnt so much from all you guys and I'm in complete awe at what you've all…
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On a an absolute mission!
I have been using this forum for quite a while for inspiration and ideas about paying back debt and saving money. I am now on a mission to pay back all our debt (except mortgage and car) this year! I would like to have a baby soon and feel that we need to get our money in order before we make that leap A bit about me....I…
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Thistle grasps the nettle!
Hello there everyone :hello::hello: Here I am again, not quite as happy as can be, unfortunately. I find myself with a few debts which I'm managing quite well, but if I don't get some serious plans in place, and make some deliberate inroads into sorting out a budget / plan for repayments / savings which works, I'm going to…
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My last ever DFW diary!!
Because this time I actually want to achieve debt freedom! Ive hung around on these boards for years - mainly lurking, but I have had a couple of diaries in the past. DH and I managed to get the debts down to 3k from about 15k, but then took our foot of the driving pedal and slowly slipped back into bad habits. We now owe…
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Working towards being debt free and a new house.
This could be a long post with a lot of rambling :o as I'm not sure where to start. Me and DH currently owe £26,059 (I know right down to the penny what we owe :o ) and are working our backsides off to clear it all away :) This is only a fraction of what we originally owed. I've decided to post on here (it's taken me 18…
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Debt Free Companies - Advice Rquired
Hi, I am hoping somebody can help I took an IVA out and the professional debt company that have been dealing with it worry me more than when i was in debt who can I talk to with reference to my concerns the final payments was made over a year ago but still I am unable to get on with my life and put this massive mistake…
