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Big Dreams Start Small ~ Diary & Scrapbook
I'm nearing the end of my DFW journey. It's been a rough road but the light is now at the end of the tunnel with only £230 remaining on my Credit Card and £50 rent arrears (due to a long battle with housing benefit and not knowing how much to pay!) I became a single mum just over a year ago, which is when my journey…
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Getitng sorted
Hi everyone, This is attempt 2 at a diary as things got a bit hectic with work etc. Anyway, i am back and the debt is below. CC1 5985 CC2 1060.60 cc3 199 Next 61 £7305.6 I am going to use the diary to keep a track of payments and extras. I don't normally keep a track of the small payments but have realised that every…
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Battling Debt and Mental Illness — and (hopefully) Winning!
Hi everyone :hello: I've been lurking on the Debt-Free Wannabe forums for ages and thought it was high time I joined in. I'm also hoping that having my own diary will motivate me to keep going — I've been reading some of the other diaries on here and feel inspired. About me: I'm 31, single, unemployed and living with my…
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Getting my s*** together
Have found these fora useful when browsing. Feel like I should start documenting my financial issues.. hoping it will make me more accountable to myself. I wax lyrical about the benefits of YNAB and stare at it constantly.. then lose interest a month later. Basically, I have mismanaged finances for about 2 years. I am not…
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Dear Diary - I need help to stay focused!
Hello all, I've just come across this thread and thought I really should join as I'm currently trying to pay off debt in order to secure my first mortgage. It would seem that doing it all on my own means that it's very easy to fall off the wagon and reach for the credit card instead of the debit card so I've decided I need…
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Putting on my BatPants and dealing with debt.
Hello and welcome to my diary. I am scared to write this and scared to admit to all our problems and issues but I think that I need to do it. I need to stop hiding and pretending things are ok and struggling and getting into more debt which I can't pay back and then more debt, over and over and over. It is at the stage…
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Debt free in 40 months
Ok I've come to the point where I feel I need to set myself a challenge because I pay a good chunk off then I spend it all again! So I have set myself a goal of paying off £18,000 in 40 months. I'm aiming for £500 a month. Some months it might only be £350 but going to stick to these rules Nothing goes on credit Put spare…
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Learning to live on a lower budget
I have been here too many times in the past having a determination to clear my debts but after having cancer treatment and getting in deeper in debt this time I have to learn to live on less and fast. My bi polar medication is being reviewed as it is making me so tired and I am struggling to get anything done but I am just…
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debt free in a year or less
I thought i would start this diary as i have been having a read through other since the start of the year and i have been inspired to start my own. So a little about me, for the past 3 years i have been in a trust deed (scotland) looking back i wish i never started one but thats another story my original term was 36 months…
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Free By Fifty
Time to start another diary. :angry: I have been here before - twice - and I don't appear to have learned ANY lessons and am now back.............skulking in, head down, tail between my legs. I am not going to concentrate on the negative because I could beat myself up forever and I won't tell you I had a LBM because my…
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contacting all debts on credit report tonight, time to get my debt sorted
i used this bored a lot a few years back and cleared thousands of pounds worth of debt, then got side tracked and never did come back and of course the debt has been mounting up ever since so today's the day no more excuses Have spent the last few hours setting up noddle and also getting my equifax credit report online, i…
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I WILL get there!!
Hello, I've been lurking on this site for almost 2 years now, admiring everyone elses stories but never quite getting the balls to sort myself out. Well, that's all changed. I've been diagnosed with a severe reproductive disease and advised to have children in the next 2 years if I want them or it will no longer be an…
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The trials of a 24yr old debt head
Hello everyone! I've always been one of those people where writing/talking seems to relieve tension from within so I thought I would start a diary here. My journey is going to be a long one, but hopefully we can go through it together :j My current debt stands at around £5500 with various companies...credit cards, banks,…
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Time To Make A Change!
Hello all....... I've been on and off this site for who knows how long and have read many, many debt stories - at least I know I'm not alone. I can spend ages and ages reading one diary after the other (and dare I say it..... I enjoy reading them!)......meanwhile I am politely pushing to one side the fact that I need to…
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16 months and counting
Hi everyone! I'm jumping into the deep end here, first post starting a diary:rotfl: My current situation: 2 credit cards currently both 0% Tesco 6300 0% until end March Barclaycard 1326.43 0% until 1st Jan Ive got £400 available pm to repay at the moment and I've also got a lump sum payment coming to me in June 2016 of…
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Diary of an (soon to be former) Impulse Buyer
So I started a thread on the Debt Free Wannabe forum asking advice on impulse buying and got some good tips. So I'm going to use this diary to help me keep track of everything. You can find the thread here: http://forums.moneysavingexpert.com/showthread.php?t=5287205 Lets start off with the basics. I have multiple credit…
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Slow and Steady Wins The Race
Nice to meet you :j My name is DC and I have been here many times before, starting diaries, not seeing them through, you know how it goes! If I'm honest I think in the past I went in too fast trying to do everything at once but I'm beginning to see from other peoples diaries that those who are most successful seem to have…
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trying to get it together at 40
Hi everyone, I'm new to forums and would love to follow some of your stories but there is so much to read and hard to find where to start; I can hardly make sense of it all Would love to read some stories to successful transitions from debt to no debt. Who has been successful? I've just newly turned 40 and it's time to get…
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Csarina rises again
Debt busting went into reverse as I was admitted to hospital for 10 days, getting out just 6 days before we moved. Not able to do a lot until I have been to the hospital in 2 weeks time to make sure everything is ok and the pacemaker wires have embeded ok. I have totalled up what we have spent, its going to take me the…