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Painting a better picture for the financial future.
I've been a long time lurker on these boards and I've finally decided to take the bold step of starting a debt free diary. Here's a little about me to get started. I'm a mum of one (2.5 year old) and live with my husband. We both earn decent wages however we've been stuck in the habit of "if it's spare then lets just spend…
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New Years Goals and Career Changes - A diary for a better me.
Hi All. I have decided to start a new diary, however don't expect it to be a masterpiece a la Bridget Jones! The link to my old one is below, however it is so out of date there is probably not much point in anyone reading about how I can’t manage my finances. Link: https://forums.moneysavingexpert.com/discussion/3948591…
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This time I will grip onto the wagon and not fall off again
Well as the title says I come here with all these really good intentions of becoming debt free then I fall off the wagon time and time again. This time I have a seat belt and harness firmly attached so I am determined this will be the last time of falling off. Debts will be in my signature and I am going to start the…
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kdalwayskint - again!
So here we are again! It's nowhere near as bad as it was the last time, I just need to sort myself out and kick the stupid credit card into touch. That's my journey this time, I'm hoping to get rid of my cc balance by this time next year. I don't know if it's doable as I haven't crunched any numbers yet I just know it's…
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Paying the debt off while still treating the kids!
I have decided I need to keep a diary on here, firstly to try and keep track of my spending and secondly as somewhere to rant when things get bad! Bit of background, I have four lovely kids aged from 12 to 4 and am on my own with them since splitting with their dad. I have moved to a new area where I don't really have any…
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Gaining Control In 14 months! Time for concentration!
So I did have a diary on the go but that's scrapped! I don't think there is much time left in 2014 to achieve anything especially at this time of year when you have to buy presents for every Tom, !!!!!! and Harry, their cats and a stuffed turkey! I haven't budgeted for christmas, never have, struggle, skint myself, stress…
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Yikes.... better face reality!
OK so here goes. I have had debt since being a student, and haing graduated, worked hard for a pretty great teaching salary, I paid off over £20K. I have always had little bank loans and a few credit cards but never been in any trouble. This gave me a false sense of security. The teaching job however made me ill in the end…
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Step by step
Brand new MSE member here with a shiny new diary which I'm hoping will keep us on the debt busting road ahead without too many stumbles or steps back. I've been reading so many diaries on here from which I've found inspiration, ideas for money saving and finding a way out of the debt path of doom. A brief introduction: I'm…
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Wanna Be Debt free by Christmas 2016
Okay a little bit about me and my journey. I am 34yrs old married and me and my beautiful wife are currently in debt in the realms of £30,000, not including our £95,000 mortgage. But it is debt we have placed ourselves in for our long term future as we bought our house and then totally renovated it, extended it and bought…
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Debt Free by 30?
It has taken me many wobbles to come to the final LBM at 3am on 1st Decemeber! :mad: But here is the cold hard truth in black & white (minus the £80,104 mortgage); * Car finance - £9,974 * BOS Loan - £4,237 * Old Student O/Draft (from about 4 yrs ago!) - £1,609.53 * Barclays CC1 - £3,481.61 * Barclays CC2 - £4,284.22 *…
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In the midst of life we are in debt etc!
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Five years till I'm 50 - 60 months to get debt free!
I don't know what's more frightening about the title of this new diary, the fact that it'll take at least 60 months to get debt free or the fact that I'll be 50 in 60 months :eek::eek::eek::eek: Three and a half weeks before Christmas is hardly the best time to start a new debt free diary but I thought I'd try and beat the…
