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Lez takes control....
I've been on here before but it never really got off the ground and I continued to stuff my head in the sand. I won't go into the how's and whys of my debt problems but let's just suffice to say that much of it comes from being to soft and trying to help my daughter out and the rest because I have had problems with certain…
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safe house
Well, thought things were going well today, then boom accountant bill for £705. I am going to turn this into a positive, I am going to be more determined, this might delay my end date for being debt free but I will get there. Rant over and out......:D
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New to this..any help appreciated
Hi all This is my first post and really just looking for advice on how to handle my debt better and where I'm going wrong just now. Basically I've been in debt for the last 6 years every since I left university(suprise, suprise) but have had chances to clear my debt on several occasions..when I do I'm then immature and end…
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A bitter realisation...
Hi there, Ever since being able to earn money, I've been in a horrible habit of getting in debt and not being able to pay it off. When working my first job aged 18, I pretty much immediately had a £600 overdraft. I thought I was only earning a measly £12,000 a year and was unable to pay back my overdraft due to appalling…
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I need to be debt free !!
SO! i am new to here and not really sure what i am doing.. about 2 years ago i was very silly with credit and racked up a huge amount of debt. i have not alot to show for it as most of it was clothes and also a shiny new pram at £1100 :eek: i have now managed to sort out what i owe and make a dent in it and get it cleared…
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Diary 2015: Debt go down. Income go up. Well ... that's the plan.
My hopes: 1. I am held accountable. 2. I acknowledge where we are at. 3. I follow a plan. The reality: £30000 in debt (£9800 Loan, £450 Credit Card, £120 Store Card, £19600 Student Loans {UK and USA}). £3337 Joint Income (Includes £136 CB) We are barely keeping our heads afloat each month at the moment. With two children…
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The only way is up.....
Today is the day that I start my diary, and finally get a grip of my spiralling out of control finances! :eek: In 2012 i returned to the UK with my daughter from the middle east with literally only the items in 4 suitcases as belongings! We had been living there for 5 years with my partner, when that ended I decided to…
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* Even a small change...
... can affect the whole future. My whole future. Our whole future. So... here we are, third time lucky but with a much clearer plan in my head thanks to Apple Muncher's questionings. So, I decided to create a new diary and focus on what I wrote and how I can change my life for the better. I'm afraid it starts off a bit…
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Debt Free by 40!
I have around £12k in debt just over credit cards which my OH doesn't know about (and cannot know about). Following a recent bereavement i've decided i need to get myself together and the first things that need addressing are my debt and my weight. So i'm hoping to reduce both at the same time. I've today managed to move…
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Time to take control
Hi everyone! This is going to be my diary on my journey towards being debt free, so I hope those of you who choose to follow this thread enjoy it. I look forward to all your comments, tips and tales of your experiences along the way so let's go!. As of 01/05/15 (LBM) my debts were/are: Capital one credit card - £1242.31…
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This really is the end
Hi all I've been a chronic lurker on the DFD for years now and have been beavering away trying to get rid of my pile of debt but I don't seem to be able to make it over the final hurdle. It all started a few years ago when I had my first LBM and realised I had about £7k CC debt alongside a £3k family loan. I worked really…
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one day at a time
I cant believe it I have actually wrote my first post, short and maybe not so sweet, but its done.I wont go into any detail tonight ,I will save that for tomorrow except this was hard and a big deal for me, really weird how being in debt is so embarrassing, accepting the fact even harder. Also having these recurring…
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Almost there
Hello.. This year ive come to realise that forums and communtiy support can help you with your problems. The majority of my debt has come from a gambling problem that i have finally beat after 7 years. It's also made up of car finance and general overspending. My current debt currently stands at £20486 (10375.30 Loan)…
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Lightbulb moment......
...just happened. The umpteenth time that I was too tired to cook, so JUST ordered a takeaway for my OH. But didn't eat myself. The umpteenth time I sat there, too tired to cook for myself, so JUST filled up on crisps and a cereal bar. Because I didn't want to spend any more money. The umpteenth time, I sit here, feeling…
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From Bad to Good and back again
Hello MSErs! And so begins my sorry tale. Really, it began quite some time ago, when I was a fresh faced graduate with £9,000 of unsecured debt, a student loan and high earning potential. I haven't quite lived up to the high earning potential, but thanks to your help (I read lots of diaries without posting), I managed to…
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New ambitious start! This is it!
At breaking point! So this is me... In my 30s, mum of 1 with 1 on the way... In a loving relationship... Plodding through life... in debt and desperate to save! The debt... Well through cut in income and overspending... Not budgeting properly and wasting money on pointless material things living the life we have always…
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1st May Lightbulb Day The Journey Begins
Hi all, This Diary is to chronicle my fianc! and my journey to DFW. Approximately seven years ago our troubles began when we started to borrow just o pay rent due to shortfalls in financing and steadily built up cc debt. To be honest I wasn't really budgeting and when emergencies came up just put it on cc. About four years…
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My Kick Up the backside Diary...............
Hi Everybody Well I have decided that I need a debt diary to keep me focused and for all the help and support you guys give everybody. Over the past month I have been reading all the different diaries and it has made me realise that being focused and organised is what I really need with some support put into the mix as…
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Midas man lost his touch(for now!!)
Well another newby on here sorry for that everyone:) Had couple of LBM but getting older and this is the big one. Been on stepchange DMP for 6 months now and going ok but have got slight pay rise so going to go self managed this month so can pay bit more off. Quick bit about me £25000 in debt and not on great wage living…
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I can't give in -
My / our finances have been in difficulty for while. I work full time as a teacher and therefore my salary is not bad compared to many. However, over the years, my husband has run up debts which we have converted into additional loans against our house. I now pay almost 1000 per month for my mortgage and loans on the…