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Starry_eyed pulls her head out of the clouds!
Hey Everyone! I'm a long term stalker/lurker of the site, but the debt free diaries in-particular! I don't have a huge amount of debt, and currently I haven't got a problem meeting my minimum repayments, but I could see how it could spiral! I don't want to just pay minimum payments.. I don't want to pay £££'s in interest.…
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My debt busting diary 2015
Happy New Year!!! So, I thought with the start of the new year I should start a new debt busting diary. 2014 hasn't been a great year financially or emotionally, but if it's taught me anything it's that life's too short and to make the most of it. At the minute I feel as though my life is on hold until the debts sorted and…
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New Year, different me
Hello :) Well a couple of years after my debt free date, I've had to have some spends as I had nothing both in terms of clothes and stuff that needed replacing around the house, plus there needed to be a little respite from being frugal and a spot of enjoying life and making progress. Then I was in a car crash in March…
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Challenge accepted for a debt free future!!
Hi all, I've been lurking in the shadows of this forum for a while now and after taking some great advice on managing and tackling my debt, I have decided to embrace the debt free wannabe thread and post to chronicle my journey in clearing my debt in 2015 and also get some top tips from my fellow debt free wannabes! Ok, so…
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Getting Serious
I have lurked on this site, and I even posted a bit under a name I cant really remember but now I need to make a real effort. Due to various stuff at work my salary has just taken a jump downwards. My reaction to this (and in fairness a pretty rotten Christmas) was to spend money like crazy. When I realized I was actively…
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Positive thinking!
Love this forum! Read it daily, just before I go to sleep usually, chills me out. I make lists all day on paper, and cross them off when done, gives me a sense of achieving something, so to be frugal I will stop wasting paper and write my lists on here. To set the scene, me and DH, DS 21 DD19, my mum (next door), two dogs,…
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2015 vs £10,156.75 - Helpme's Diary
Im not one for doing a diary but determined to get this debt sorted, having your support will be the key thing i think! DFW Post HERE Aim is going to be debt free by end of 2015, this is a massive ask and will only happen if no nasty surprises come up (requires at least £700 a month to clear) First month is going to be…
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Here we go, I have to start somewhere but where !!??
Ive been watching this forum for a while and in total denial about the amount of debt myself and my partner have accumulated in the 6 and a half years we've been together. I've taken the huge step of adding it up today and am totally shocked. I have to get this under control. So my partner and I are both divorcees, I'm…
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4 months to clear a secret overdraft
Hello, I am starting my own diary today. I hope it will help me deal with a secret (from my hubby) overdraft of £ 800.00. I have been ignoring this problem for too long and my husband would be mad if I tell him I have been so careless so I have to do it on my own. It is a very small amount but I am z stay at home mum and I…
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2015: New Start, Debt Free!
Hi everyone, nice to meet you! I have been reading the forums on and off for a while, and I think it would be good to start the new year joining in. I think I'm getting a bit overexcited writing this a few days before 2015! I have always been quite bad with money, and it's getting to the point where I'm really frustrated…
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2015 - A Year for Action
I know it's not quite 2025, but I'm getting all my ducks in a row so am ready and raring to go ! I have a few debts all manageable at the moment but in 2015 I want rid if my CC debts of around £7000, overdraft of £1000 and son more I can get down. Two of the 3 CC's are on track to be cleared by the end if the year with…
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2015 Spending diary
Hopefully does what it says on the tin. I am, and always have been, pathetic with money. Time to leave the cards at home. Here's to clearing these debts in 2015 and living to my means (for a change).
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The Happiness Project 2015
Hi There! I hope there's room for a newbie here? I've decided to start a project for myself in 2015 as I want to become a better me, spread happiness and become financially free! Being a lurker on these threads for the last 3 years, these diaries have helped me a lot and I feel that writing things down will help me keep to…
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new kitty, new year.
nothing to see here...
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New start for 2015newstart!
Just a quick dart out of the lurking darkness to say ermmm....hello! I've been here for around 4years lurking, we did have another user name. Lost the email account it was linked too so started again fresh. Finally had our lightbulb moment today. Have been trying to pay off our debts, but it's been the usual two steps…
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Starting again with debt....again!
Hi all, this is my first diary thread here in around two and a half years. We were well on our way to debt freedom when life took over...again. As a bit of background, am now 30 and married with two cats. We previously got into a lot of debt when we bought our first flat when we were 20 & 21 (around £25000) and had to go…
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Mend my ways
Hi everyone As with a lot of people on the site I have been a long time lurker before joining. I am currently about £14,000 in debt (2 credit cards, a loan and a large overdraft) I had my light bulb moment last year and have made some progress but felt that by joining the forum it will hopefully with spur me on further to…
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The penny has finally dropped.
Hi, Well, as the title says, the penny has finally dropped. It's been coming for a while, but yesterday was the first time that it's really hit home. A little it about the recent situation. I became seriously ill when I was 18, and have consequently had a huge amount of surgery. I'm now 29, 30 in a few months. I've had to…
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She turned her can'ts into cans & her dreams into plans...
Evening everyone :wave: Hope you all had a pleasant Christmas :) I've been absent from MSE for a few months now, I haven't made the dent in 2014 that I had hoped but I haven't increased my debt either. I have been on Maternity Leave meaning our income hasn't been its normal self so we have kind of just plodded along, but…
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2015 is our year
And that's a quote from my OH so it must be true! I graduated in 2010, still live with my parents. OH graduated in 2012 and lives in a rented apartment with his brother. We've been together over 9 years (10 in April) and I am so ready to move in together! I currently have £5483.57 of debt on two credit cards as follows:…