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Time to get out of debt and live a frugal life
After regularly reading the posts on here I have become a little obsessed with money saving and debt busting so decided to start my own diary to save for the future and get rid of my unwanted debts! Nearing 30 I need to try and organise my life a little better... Aiming to get rid of debt - cc £380 - loan1 £2200 - loan2…
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My Journey To My Pot Of Gold
Hello! :hello: I've had a few diaries on here and am at the stage where I've made plans, things are going well and I feel focused on my goals. Usually when I get here, I leave my diary and, left to my own devices, things slowly fray and unravel, so now I'd like to document my path to where I'd like to be. A quick bit of…
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Got to get debt free!
Hello, I figured I need to start this diary for me, and if others want to contribute to help me along the way so be it. I live with my OH, we have a little boy who is just one and our second son is due this October. We've had an up and down couple of years financially, with me having a period on SMP (and will be having…
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Debt free before 35
I have been writing in another diary on here, but it's getting a bit messy so I've decided to start afresh. I've also just taken out a loan to consolidate (alarm bells will be ringing for anyone reading this now!!) and I think it was the correct move for us. We had our lbm last August, and have since been working at paying…
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New approach, less debt.... hopefully!
Well after a few years of lurking & reading people's diaries I'm finally giving it a go! Myself & my other half (DH) moved house very quickly last year which meant we hadn't saved up in prep (daft I know). We ended up putting all decorating costs on credit card & then the boiler broke which added to it. DH was then made…
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time to sort this out! advice appreciated
hi everyone, been a member and in debt a while but never really posted. heres my story anyway, i know im an idiot but i finally have a plan to sort it and could do with advice from you guys. i managed to rack up a fair amount of debt on credit cards and overdraft. it happened over a period of 3/4 years. As it stands now:…
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Dfw lbm
Hi, So where do i start, today i finally joined so i could post to the forum after lurking for a while, we have just under £2000 left to pay of our debts, and i want to clear them as soon as possible so here i am it doesn't sound a lot but we don't have a massive income, since yo-yoing in and out of debt since the age of…
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Time to stop "burying my head"
Hey Guys, Been reading through these forums for a few months now after realising i should start sorting out my debts. Ill start with a brief(ish) history with the thought of, the more you know about me the more embarrassed ill be to fail - I don't like failing. The moment of realisation came when i went into the bank for…
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The Road to Recovery
I want to start this off with how i got into the position i am in. In 2012 I took a pay cut of around £300 per month due to moving countries, in the same year i also bought a house. I was 22 at the time, looking back now, a very immature 22 year old. I didn't realise how much i would have to adjust my lifestyle to…
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Life Begins At Forty....Something
It's my birthday today. Over the last couple of weeks I have been thinking about what I have to show for my life. I have a great OH and a lovely DD (15). We also have Mr D our doggie who is 3. We have only had him a couple of months from a rescue centre but he is doing well. We have a nice flat, a lovely garden and finally…
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Can't give up
Hello All, I've been lurking for some time reading everyone's diaries and thought it's time to start my own. My debts have started to have such a massive impact on my mental health I need to sort myself out. I currently owe about £15,000. I'm a divorced mum of three who works full time and I have to admit I've hit rock…
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Debt Free Daydreamer
Hi All, I thought I'd start a diary to try and keep on track with debt busting. Currently, our debt is sat at over £9,000 and I'm desperate to try and get rid of it by the end of the year! My motivation comes in highs and lows, mostly lows... :undecided I'm currently playing around with my debt-busing spreadsheet and…
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A whole new world
Hi, lovely Debt Free Wannabes! This diary will track my progress towards becoming debt-free by 30. That gives me 11 paydays to kick this debt where the sun don't shine! I have £6215 left to pay off, split across 2 credit cards at 0% interest which won't run out until October 2016. Since I hope to be debt-free by June 2016,…
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Debt Free by 30 (November 2017)
Since I was 18 I have been in debt. 2012 saw my LBM. I owed more than i earned. I was so ashamed and hid it from my hubby. I called SC and started a DMP. It was the best thing I ever did. I could finally sleep at night and start paying back what I spent. Debt at 2012 = 19052.43 Debt at July 2015= 14023.43 My debts haven't…
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2,120 Days to Debt Freedom!!
I needed a bit of a kick up the backside, so thought a new diary might help. I've worked out that it's exactly 2,120 days until my 40th birthday, and despite having Cystic Fibrosis, I plan on still being here and going strong by then. I also think that's a realistic target for me to get debt free (I owe around £42k :o ).…
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Debt Free By 50.
Hello, I have debt of around £18,000, need to check the figures. I want to be debt free by the time I am 50. Can't remember a time when I wasn't in debt, the debt is mine not Mr D's and needs to be dealt with. I am hoping this diary will keep me motivated, going to be 50 in September 2018, will be here before I know, so I…
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New life for the dead
Hello Everyone After lurking around the site for years (yes, years) I have finally found the courage to put pen to paper, so to speak. I have finally realised that it's time to re-start my life after being in debt ever since I hit 18. After years of heartache, stress, sadness and just about every emotion you can think of…
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22 months to work, dig, tidy and declutter my way to debt freedom
Hi all :wave:. I've been around MSE forums for a while (click here for my old neglected diary). I've had a break from the forums but have decided to wander back. All is well, though, from a debt-busting point of view. Over the past year I have gained a firm control over my finances, largely thanks to sticking steadfastly…
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My new start
Hi all Lurked about this site and forum for years but I really need to take action now. My debts have reached almost 20k :( Loan 1 .6123.42 Loan 2. 3532.22 CC1. 442.62 CC2. 496.88 CC3. 1986.11 Cat 1. 2000 Cat2. 1250 OD 1800 PD loans 500 TOTAL £18,131.25 Shocked and disappointed in self but it's time for a plan! So I will…
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Out of the Ashes!
Right after many many years off sticking my head in the sand when it comes to what debt I have and just lurking around reading other peoples diary's I have finally decided enough is enough time to start sorting myself out not just financially but in other senses as well. Decided to start writing my own diary in an attempt…
