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Living richly; simply and debt-freely
Good Afternoon :hello: I've decided to start a new diary, just prior to the New Year. My old diary has been instrumental in helping me through a slight sticky patch 18 months ago, and has really helped me to start to lead the life that I want to live with my DP at Greying Towers. If you want to read the background, here's…
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A Frugal Life for Me!
Hi... a bit about me, I've been struggling with debt for a few years, I always seem to have a lightbulb moment when I'm on holiday, possibly because I have time to take stock of my situation. I'm 40 years old now and can't believe that I have so much debt... over £26k just on credit cards :eek: I am married with a son... I…
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2015 & Beyond
Hello Diaryland, :hello: Now seems a good time to start a diary with the New Year approaching. In 2015 I want to significantly reduce my debt,I want the money I earn to be mine and not to be for ever paying back debt. I have had debt for as long as I can remember and I an now 46, about time I learned to save and not spend.…
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getting over this hill
Ok motivation needed. Always £30k in debt on bank loan and 0%s. Now post Christmas it's £32 :mad:and the offers are about to dry up. Can feel it in my bones. Last time I was here OH agreed remortgage and loan. Made it clear he'd not be supporting me if I did it again. Same as a lot of people, I used to have a salary that…
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Starting a fresh
Starting a fresh can be a good thing especially at this time of year, new year fresh start. Truthfully i have made problems for myself but also its been situations that's been around me that hasn't helped either but after time the time feels right to blitz debt, 2015 fastly approaching upon us i have no DMP £3600…
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2015: The year of pursuing happiness
What better time to start a fresh new diary than as the start of a fresh new year approaches?! 2015 is the year I am in pursuit of happiness. Over the last two years I have paid off over £8k of personal debt and bought a house with my fabulously patient and lovely BF. My previous diary, mainly from 2013, is a bit of a…
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Debt Free (again) in 2015
I had my light bulb moment way back in November of 2007 when what I owed was the same as what I earned and it took me four years to clear the debt. Of cause I didn't do it as quickly as I could have because I didn't get rid of all my credit lines. When I was finally debt free in 2011 I didn't really have a clear plan of…
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10K Debt Buster
Ok, so with Christmas approaching and a new year imminent, I thought that this would be as good a time as any to begin a debt busting conquest. I have 10k of debt in total. I want to rid myself of this before the bells chime on December 31st, 2015. This will require £833 / month in payments averaged over a 12 month period.…
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Finally facing up to the Finances in 2015
I've finally faced up to the fact that I can't afford to keep up with all of my monthly payments and have arranged a plan with Step Change. The plan doesn't include secured payments so I am looking to try and clear those first to then pay more to the companies on my DMP. SO what do I owe? Look away if you don't like big…
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The journey to 31/03/15...
Hello everyone! I am excited to be here this evening with my shiny new diary :) This will be my third diary in just under two years, but so much has changed lately that it feels right to break out a new one. A bit about me: 35 years old, married, no children, reasonable job. Historically awful with money- no excuse for…
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New year, new me!
I have had lightbulb moments in the past, not that I did much about them back then, maybe the wattage was too low! This LBM has to be the serious one. Last week I was left with £15 for a weeks food after I paid my bills and at the moment there are 6 people living in my house. To say I had a momentary freak out is an…
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Must start to reach the FINISH
I am writing this diary purely to keep me sane as I feel like I am going crazy right now. I was in debt about 10 years ago and cleared this 8 years ago this was approx £9000. I thought wow that is me done and was so proud off myself until now that is. Fast forward 8 years I have a house,husband, three children and the…
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DMP set up just need some encouragement..
Hi all Seems I'm in the right place for some some encouragement please as I have just taken the initial steps in sorting out my debt issue. Forms sent back to SC(finally) and now have an appointment set up this PM for a new bank account so I hope this will be a new start for me. SC have been great so far but I cant help…
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Scuba's Saving the Ha'Pennies
After my somewhat unpredictable last year I have moved back to the South and am starting my debt free journey from a new start point. Last year I was unemployed for almost 8 months which unhelpfully coincided with the things I had organised before my unemployment and I didnt want to cancel (the wedding of one of my best…
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Got to keep up the good work... solvency here I come!!
Hi folks, I am a fairy regular poster on DFW board after having my LBM a few months ago. At that stage we owed just over 40k ( combined debts of my wife and I). The vast majority of the debt is in my name. I struggled to involve my wife fully in the DFW process and even though she knew that we owed 30K plus, I could never…
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My journey to debt free in 2015/16
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I will not spiral down, I will not spiral down
Although, spiral is such a lovely word! Decided to log what I'm doing and generally chat to myself (happens a lot) :) A few aims for the end of the year, 1. To be in a better place with work - hit my sales target (no bonus, just for confidence reasons) - set regular hours - better way to get to work - or leave! 2. Fill out…
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"I give myself very good advice, but I very seldom follow it."
The title quote is from C.S. Lewis' 'Alice's Adventures in Wonderland'. I came across this quote today, and found it rather fitting for my situation. The story of how I'm here is a rather long and boring one; in a relationship from the age of 16 for nine years, did all the usual adult things such as buying a house, getting…
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Silly student debt diary
Hey everyone, I think I've attempted to keep a diary before but have never been very good at it. But this time hopefully it'll be different! I was a silly student and have some silly debt, and not a lot to show for it. But I'm keen to tackle all the debt now so that I can start a fresh. I can't wait until the day that all…
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Snowscreamer's debt reduction efforts
Hi, Hoping starting a thread here will discourage me from spending and encourage me to start working my way back into the black! Here's my story: bought a house this year with a few unexpected surprises, went on an expensive holiday soon after (very poor timing!) and somehow landed with a maxed out credit card or two...…