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On a mission to be debt free by 40
As my username suggests………….I am on a mission Brief Introduction: I have been a registered user of this site since 2004 although I am wanting to keep a diary for motivation and needed to change my username for anonymity reasons :o I am currently 37 years old. I am married to a very supportive man who leaves the finances to…
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Debt free by 2016!
Hi, Thought I'd start a debt free diary here to help me push for a hopefully debt free 2016! I owe the following Bank of Scotland Cc £1800 Apr approx 30% Tsb credit card -£1828.07 apr 0% Nationwide loan -£5148 approx 5% should be lower after today's payment. PayPal credit - £248 0% £22 a month for 12 months. Very account -…
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Sorted by 40
Hello to anyone who may be reading my little ol' diary and welcome to my world :) I had my LBM fairly recently and I am ready to start the battle to become debt free. I am 40 next January and it feels quite an apt milestone in which to attempt to be debt free. As of today I am £7162.90 in debt - all unsecured and I am…
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A Frugal Maternity Leave
Evening all!! I started a diary mid last year and managed to pay off around £3k in 6 months with the aim of clearing it before baby number 2 was born. Its now a new year and we have new goals therefore its time for a new diary!! As the title suggests, I am currently on maternity leave and the date I go back to work depends…
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New year new diary
Well after reading people's diaries for the last 6 months I decided to take the plunge and start one myself👍 so here it goes I started my DMP with step change on 1/4/2014 if £450 per month, total debts £19,353 here is a break down: Sainburys loan £2999.77 Mbna £3019.33 Mbna £4182.27 Santander overdraft £800 My estimated…
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A year to make a difference
Hi all I've joined because I am looking at ways to top up my income and get so.e savings in place. My credit isn't brilliant but I am working on that. I currently have a doorstep loan with clc finance. They have called today to offer me more but I turned it down. I owe £70 and once that is gone that is it. My credit report…
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RTB's *stop cluttering up the challenges* thread
I am addicted to the challenges on here, but I'm cluttering them up, so I thought it about time I started a diary to keep proper track. I'm on 10% battery though so am off to charge, collect some info and then start filling this bad boy out properly. New Years resolution, don't start things when you don't have the battery…
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New to this site...where to start
Hi All, I have finally accepted that I have a problem with my debt, I can see people have tools which appear to imply they have a plan and are tracking down thier debt against targets so they have an effective debt free aim date etc. I am someone who needs to measure that I am doing well to remain motivated, e.g. every…
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Biting the bullet..........
Hi guys, Happy New year to you all. Ive been reading various threads for months now and some stories/ideas etc I have found truly inspiring. So....... im biting the bullet.... ive become a member and am about to tell my story (a short version of it) for the first time ever. (I hope im writing it in the right place/forum).…
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Onwards & Upwards 2015
Happy New Year :D I'm back again for the next bout of debt kicking. The debt has risen although we have paid off nearly £2k in 2014. I need to get the totals together so that I can work out just how much I want to aim to pay off this year. This year should be a better year, as it will be my first year in a long time being…
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2015 will be my Debt Free Year!
Hi All and Happy New Year! As its the first of January I have decided to start a new diary for the new year. I'm hoping this will be my last and I will be debt free this year, I just have to make it happen!! The debt has been hanging around now for long enough so it really does have to go. We want to buy a bigger house…
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The 'I'm less money-idiot more money-savvy' Diary
Well Hello everyone - Imagine meeting you here! After a few months (4 to be exact!) of posting on the following thread: https://forums.moneysavingexpert.com/discussion/5047454 I thought is was appropriate to start a diary as my old thread appears to have morphed into one anyway! I was told I needed to stop calling myself…
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Time to pull myself together and get this debt down!
Right where to start? I have a sizeable amount of debt (£36kish) and this year i am going to get it down. I am starting this diary so i have a sounding block when my debt gets tough, when i have an urge to buy some shoes or splurge on something i don't need. I will instead come here and put down in black and white so i can…
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bbk87 debt free diary :)
This is my debt free diary. My debts are as follows; Littlewoods - £249.94 O2 (Phone) - £62.50 EE (iPad) - £370.67 Aqua - £283.03 Capital One - £185.12 TOTAL = £1151.26 I pay £50.00 per month to Littlewoods, this is 0%. O2 is being paid off on 19th Jan, payment set up. I pay £20.00 a month to Capital One via DD. I need to…
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My new diary......................
Hello everyone, Happy new year, 2015 already! Time flies when you are a grown up doesn't it! Ok so this is my 3rd attempt a diary & I am determined to keep this one going! I always let it fall by the wayside. I intend to keep this running for the next 5 years cos in that time I have a few things I want to achieve. 1. Save…
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Mismatch on a Mission - 2015 and Beyond
Hi all So last year I started a diary thinking I'd had my lightbulb moment, hah how wrong could I be. I think I'd bought the bulb but it wasn't truly wired in yet lol. So I was trying and once more failing to fix things (attempt 6/7 I forget now tried so many times) when life turned upside down. Cliff notes version oh had…
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Sneaking back in (again....) hoping to be debt free in 2015!!
Have been around these forums for many years (with a different username;)) and, like so many others, find that when I stop, reading, posting & thinking....things start to go a tad pear shaped!:o So I'm making it one of my aims for this year....to post regularly, and keep my eye on the ball. Credit cards are locked away &…
