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12 months countdown
My debt so far is £2519.40 and I really want it gone for this time next year and by keeping a diary it will give me the momentum to achieve it. My story so far I had my lightbulb moment in August 2010 when I owed a total of £12605 I was struggling making payments on my wage and I seemed to be living a life of financial…
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Soa
How do I find the SOA please?
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This has got to be it!!!
I have tried so many times and failed to get out of debt, it hasn't got any bigger over the last 12 months but it hasn't gone down either. This time I am going to do it once and for all. First of all the debt side is as follows: Bank of mum : £5000 Loan from friend : £1000 Over draft : £2000 Credit Card : £740 ( Interest…
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Finally Making Progress
I'm writing this here because to be honest I don't have anyone else I can really tell and I just wanted to tell someone about the little successes I've had lately. I suppose my story is a fairly typical one. I took out a Vanquis card with the intention that I would use it only in emergencies, and pay back any balances as…
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Miami's Debt Diary v2
Hello all :) I started a DFD before now but unfortunately drifted away from MSE after falling ill with depression and anxiety and being signed off work :( Still not better, not yet back at work, but doing my best to take each day one at a time. Have neglected day-to-day finances for the last few months unfortunately but…
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Time to grit my teeth, swallow my pride and face up to reality - 95k of debt
Day 1 - Enough is Enough Well, the time has come to sort my life out. I've had several mini light bulb moments I suppose but over the weekend I've decided to choose happiness. I have been lurking on this site for years, reading the inspirational diaries but never started my own. So 95k in debt, eye watering huh! What do I…
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Air Jordan 13 Low Quai 54 Color: Black/Anthracite-White Release Date: 06/13/15
We're going to do our best to beat it. There are plenty of small markets that need a Hibbett Sports store but getting the real estate is getting to be a little bit of a challenge. I don't know if that'll ease next year or not but we think we can certainly get 60 because we have a lot of them already done for next year.How…
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Goal to be debt free by Christmas
Hello all So ive been hanging around on the boards for a couple of months now and this is my very 1st post. A little background I am a mother of 4. I am a housewife and my husband works to support us. The end of march 2015 we decided that instead of burying our heads in the sand concerning our debts and daydreaming about…
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New tunnel - no light yet
Hi everyone I am not a newbie around here. I hit rock bottom during the first quarter of 2007 and proudly became debt free in December 2011. I have had two diaries: HERE and HERE but briefly; I am a single parent to Little Miss Gap (age 14). We have two cats. I have an interest only mortgage over a shared equity flat and I…
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Family member ran up debts in my name
A family member used one of my old bank accounts to get into an overdraft and now I'm trying to reach an agreement with the bank. Most of the debt owed is service charges and penalties, but as I haven't used the account in ten years and the bank statements were sent to a previous address what recourse do I have to settle…
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Renewed Motivation
I broke my ankle quite badly 7 weeks ago, so I'm still off work while the ridiculous ankle heals (hopefully), but there are a few things I learned so far from this situation: 1. I need to look after myself better 2. I need to make the effort to see friends & family far more often 3. I need to sort my financial situation…
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Let's just say I used to love spending...
Hello everyone! I have been reading quite a few inspirational stories, now that I have finally seen the light I haven't gotten all my debts together in order so I'll be starting this diary to keep me in order. In 2013 I came to the realisation that if I was to ever own my own home, I will need to curb my spending…
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EM has done it again...
This is the beginning of my DFW thread. I have just bought a house and would love to be on the MFW board, but I have borrowed off family members :o to get the deposit together. Summary Mum and Dad - owe £5430 Other FMember - owe £6000 Other FMember - owe £2100 Total £13530 I also owe the building society and help to buy,…
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6 months till debt freedom, time to change some habits!
I thought I'd start a diary to help me through this month particularly, as I've realised I've only got £50 now to spend on food and entertainment till the 30th June. This is probably a relatively generous amount for some people on here but I have a terrible habit of spending hours sat socializing in pubs at the weekends…
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Reality Check
Hi All, I am completely new to this forum so don't know any of the rules or abbreviations but have been a long time subscriber to MSE Emails. I have recently turned 30 and have decided that I need to get a grip on my finances before its too late. When I graduated from university back in 2007 I decided to go travelling and…
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Tired of playing catchup!
Hello, I'm new to the forum, although have been reading for a while. Thought I'd post to see if there are others a similar situation or with similar goals who may have some advice as I'm finding there isn't really anyone I know in RL in this position. In summary, I feel like I am in a very precarious position financially…
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And I'm back
And I'm back again, all be it under a different user name as need a fresh start. Really annoyed and disappointed with myself as 6 years ago was in debt and cleared it all and even had savings. Then life happened and few events along the way I ended up moving into my own flat (rented) and it is manageable but few things…
