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What to pay off first .
Wanted to ask what people think is best to pay first out of the following. We have 2 mortgages on our property 1 repayment £24k 1 interest only £171k And then about £35k unsecured debt. I know not a good position to be in, I cannot get my head round what is bests to start paying of first bearing in my mind the main…
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Poor as a Church Mouse Diary
Although I am now debt free (Thanks largely to this website) we have got dangerously close to being back in the red again. We are trying to start a family together as well, so I really don't want to go back to square one. I went to see if there was a savings forum, and there was, but I fell in love with DFW and the…
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DFNLW... soon to be MFW
A new diary for a new era. Finally cleared my debts last July (2014). At the peak I probably owed around £15,000 - I'm embarrassed that I don't really know how bad it got, I fell off the wagon a few times in trying to clear it, but I know after the final (successful) attempt I had cleared £8100 in the last 2 years before…
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Ash's Debt Diary
Morning all, Long time forum lurker but only just decided to make an account to contribute! So the last 12 months have been a bit rough financially. It's been a case of extended my overdraft bit by bit every month as I appeared to be spending more than I was earning. I couldn't pull it back as every month there happened to…
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Massive debt to shift!!
I'm a long time lurker, having used MSE to help with bills and best credit card deals. Anyhoo I've taken the plunge and set up my own diary, having read some really inspirational diaries. I had my LBM about 3 weeks when I realised we (my dh and I) could not afford this months full repayments,decided to try and take control…
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Slow and steady wins the race... to financial stability
Hi to anyone reading! Previously I have tried to rush this journey, setting up unmanageable payment plans which led to being very short of money for essentials like food and the payment plans being cancelled. This time I am going to be a bit more sensible and go a bit slower in the hope that I will actually reach the…
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Citizen's Debt Advice Department
I have now had about 3 or 4 calls from these people telling me that they are contacting me on behalf of those I am in debt to. They are always Asian sounding males who refuse to pass me on to their supervisor or give me any address details bar their 'company' name and that they are based in Manchester. I have no debts, not…
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"The time has come," the Walrus said, "to talk of many things..."
Although, I shall be mainly talking about DEBT! :mad: Hello! This is my first post so I thought I'd start with a bang and give a diary a go! I've had roughly the same amount of debt for the last few years (about £6k) and have never been able to shift it. All I've done is pay the interest and its gotten me absolutely…
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Oh, I'm going for it.
So, after figuring out I'll be out of debt by July 2017 if I continue with the bare minimum, I've decided to better it. My goal is to be out of unsecured debt by 2016. I ate through my savings moving cities last year, and gave myself six months to get on my feet with a new job and a new place to live. Having no money to do…
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Am I a grownup yet?
Okay. So I figure I need somewhere that I can keep track of what I'm doing to stay on track and sort my finances. I know I'm relatively lucky, in that I have only have unsecured debts of around £6000, an affordable (2year ish) DMP in place, and a secure job. But... I am my own worst enemy. After my DMP payment and my DD's,…
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Really Nearly Almost There!
Soooooo, after more than five years of mostly lurking I've decided to start a diary in an attempt to motivate myself through the last 18 months of my DMP. My DMP started in August 2010 when I left my other half, I was an idiot and enjoyed living a life far above what I could afford so instead of it being a lovely new start…
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Grannydebt to Grannysolvent
Hi, I seem to have been in debt all my adult life. I am now a granny and I think it is about time I sorted it out once and for all. I have a couple of credit cards, both on 0%. Marks and Spencer - £2546.91 Sainsbury's - £4129.21 TOTAL - £6676.12 OUCH I am newly single having split up from my partner of 5 years last month.…
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one day at a time
I am a 48 year old mother of one DS, I have a mortgage of 100,000 on my little bungalow and a few other debts CC etc of approx 5,000 or less.................. We have a wonderful DS. We have a quite successful business (for now anyway)……… My OH is a functioning alcoholic, (there I said it), too look at him you would never…
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Back again Diary
Yes I am back again, having a good waffle on. Think this is my third entry of the day, still ironing undone and doggy moo not walked. These no spend days are very boring so I am going to work out a plan this evening to keep me occupied instead of sitting on my fat but. I did have one good thought earlier and that was to…
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Christmas present 2017-Debt Freedom
Hi Welecome to anyone who reads this diary. This diary is to help me to be more accontable over paying off my debt. I live on my own and work for a large organisation. My overall debt including to family is £8,150.91. I got into debt through a mixture of things, boiler repair,illness and plain old overspending. I've down a…
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Another £500 off debt yippee
Well diary withdrawn the last of my savings yesterday £500 and paid off CC so debt now down to 5,980 under the 6,000. I am going to try and focus on my CC first then my mortgage second. My doggy still not to well so might have to take her back to vets if no improvement with antibiotics, I have insurance so will be giving…
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40 months to freedom.....
Well, I have been popping in and out of here for a couple of years now and admire all you folks who have changed your mind set and smashed your debts. Why am I here?? Well, I have rather a lot of unsecured debt that I have managed to stupidly, insanely accrue over the last couple or three years. The usual stuff living…
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Sorting Our Lives - Getting Organised & Having Family Adventures
I have started this diary in order to sort my life out. I married and pregnant. I have a baby boy on the way in a couple of months so really need to start getting things straight. I have just under £3k on a hlfx credit card. It is on 0% but II am desperate to get this clear especially as I will be on maternity leave soon.…
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Who knows about your debt..
I haven't told anyone about my debt except my daughter. My OH doesn't know. Here's why. I spent the money not him. I know he would be, upset, panic, feel the need to pay the debt himself or at least help. Unlike a lot of the lovely people on here I have come to my senses before its to late and have the luxury of having…
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If it doesn't happen today, when will it?
Making the plan work I'm here just like everyone else, working towards getting debt free. I'm putting all of this in writing, on the internet, on a forum I've lurked on before to aid me in handling this a little better. If the figures are in front of me with a challenge attached to it then I know I'm more than capable to…
