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Nearly £20k in debt, time to tackle it...
Hi, so i've frequented these forums for quite some time, trying to pick up hints and tips and take inspiration from other peoples stories. I thought it would be a good time to post up a SOA and finally tackle this snowballing debt. Unfortunately my DW and I have let our finances get a little out of hand and have relied on…
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New Year, New start.....
Hello Folks So I've been lurking on the forums here for quite some time and finally decided to join and put my own little mark in. So not a massive debt and I know exactly where it has come from and was very much needed spends, although could have probably done it a different way round and made better financial decissions.…
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Cash for The Cupcake - £600 Savings Challenge
My 2015 Budget Challenge I am not great with money. Understatement. I earn OK money. My formal outgoings are average. My spending is not out of control, just not managed. So I have set myself a saving challenge for 2015. I want to end the year with £600 in my saving account. Its not a lot for a lot of people, but as a…
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Lauradora DFD Married life four years on...
Nearing our 4th anniversary and looking back through my old DFD's have decided to start a new one since this year should be my last!! I have had a long struggle on the debt free road. When I started I was ££££'s in debt, a single parent with no job and no support. Life is a lot different now and were looking at the last…
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A student's debt free diary.
Hi all :) A little about me to begin with. I'm in my 5th (and final!) year of being a student. I have paid my own way through university by having part time jobs, student loans, and CC. I am getting a much larger bursary this year than I ever have before, so I feel like I finally can breathe a little. I have got quite a…
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lbs means £s
Hiya I mentioned my no confessions weight loss plan - no confessions or guilt, just record the lbs lost - work based `forum` on here and seems other folk may be keen to join in. Start weight is NOT anything anyone else needs to know. We've lost a stone plus at work in Jan already,, just wanted the motivation. So here we go…
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Different debt, same determination...
This is my second debt free diary... The first was set up in 2012, I'd already paid off one credit card but we owed a lot on other credit cards, overdraft and were struggling not to overspend each month despite reasonable earnings. I was determined to become debt free and within a month my OH had had his lightbulb moment…
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Big dreams start small
Well there's me and my two girls, one and four. We've been through some hard times but now life is good. I want to travel, see the world, have nice family holidays. Tick things off my 'bucket list' Do nice things with my girls and give them a happy childhood. Also making the house more 'homely' First things first, get rid…
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New year, new start
So, here we go again. It's a new year, and this time I'm ready for it. I'm not in a horrific place all told, but it's been stagnant for a couple of years now - nothing going into arrears, but only the minimum being paid off. I tried a few different strategies in 2014 to get on top of everything - YNAB being the big one -…
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The Ultimate Incentive Part 11 (or 10B) It's The Final Countdown
I joked in my last diary it was the last one in debt, unless we nattered too much and then it was 10B. Well we didn't natter that much but I did have a surprise in the form of a second baby which took the wind out of the debt clearing sails somewhat. Finally, at 7 months old today, and 4 months home from hospital tomorrow…
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£10497.93 in 2 Years - Starting Today...
Hi, This is a challenge I am setting myself - the reason I have given myself 2 years to complete it is because in two years time our contracts are to be reviewed at work - It would take a miracle for them to be renewed - some might say I am being pessimistic but unless they rip out the entire management structure at work…
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New Mission, New Diary
I've been using this site for a while to give me ideas and motivation to become debt free, but have never really stuck to anything permanent and am constantly in a cycle of clearing a few hundred pounds on a card then using the credit again. But as it is a New Year I have decided that 2015 is my year to clear it all, once…
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FaultGirls journey to be debt free for the first time!
I am a former lurker who has decided to stop wallowing and deal with my debts. I have no-one to blame but myself for letting it get this far. I won't blame my depression but it has been a factor in the build-up of debt. I have already started the battle, I moved out of my parents home and to London for 5 months, with a pay…
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Where to begin?.......
As the title suggest I'm not entirely sure where to begin. I know the start would be good but I would be here all night long attempting that, I'd certainly be giving War and Peace a run for its money :o I will try introducing myself and my bunch. I'm in my 30's (how did that happen?!?) I'm married 10 years to my dh. We…
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January 2015 is the beginning
Hi all Well - having read lots of diaries on here I can see why they help you on the road to becoming debt free, and how they inspire others. So I thought I would start my own diary. A little bit of history - which if I say it fast enough may just slip by you :o We've have had large debts before and consolidated it into a…
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Clear debt vs saving!
Hello Im desperate to clear debts and save for our own house! I have quite a few debts: 2800 to welcome finance with a dca (would like to offer a f&f) 236 to lowell 800 to halifax for my current overdraft 500 to vanquis (upto date) 180 to capital1 (upto date) 117 pounds tosinclair goldberg I also have some disputed nursery…
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Time to grow up and get on track... head out the sand ...
Hi all back again with an even bigger debt than before :( Last year was so up and down it was unreal between a baby with health issues and a OH who decided to see if the grass was greener without us the debt took a hit and thinks are bad! :o :( Time to hit the debt be realistic with a budget allowing for hospital and…
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*~*~OrangeFairy is nearly there...just a couple of hurdles left~*~*
Hi everyone........I am now back with motivation to shift the last bit of this debt with the support of my new diary. I will add to this section later when I have a little bit of alone time and the kids are in bed and Hubby has his boys night :p :p:p:p Right I am finally back! Quick intro...I am orange fairy and I live in…
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Glass half full......let's do this!
Hi everyone, I'm quite new to the forum but have floated around MSE site for a couple of years. With a new look at finances yesterday, decided that I would like to start a diary to track the process of hopefully getting our debt down by quite a bit in 2015. So a little bit of background, we are a couple who have not long…
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Money Saving Diary - dianek's journey
Hi all, welcome to my diary. I am on a serious money saving journey with a target of buying a house in a couple of years time. I live and work in London on an income that's below the national average. So my target is almost impossible to reach but I am determined. I hope to use this diary to stay motivated, keep myself on…
