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Big wheels keep on turning ......
Well after having a look around over the past few weeks I've decided to start a diary so buckle up and off we go. So a little bit about me, I recently qualified as a category C LGV driver which means I can drive rigid body lorries and as soon as I sat in a lorry I knew it was what I was destined to do for a living - yay!…
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10 years of debt is enough... I quit!
I'll start off by saying Merry Christmas/Happy Holidays, whichever people prefer :) I'm 27 years old and have been in debt for almost 10 years now. It all started with a student credit card and an overdraft. I was mis-sold my student credit card and have since had the interest etc refunded to me and have paid that card off…
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Getting it Gone
Hello! Where Life Has Travelled in 2015 After one heck of a year which started out debt free and remortgaging for major extension work (the remortgage paid for the shell only), a build that took more than twice what was quoted to take (which was HUGELY stressful) and taking out a loan to get the post-build work done (eg,…
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help!
Hi all, I have never spoken about any personal problems before on this sort of thing! I am in alot of debt and its ruining my life. I have been really bad with money since I can remember and its now effecting everything I love including wether my other half of 8 years is going to stay with me. He is understandably upset,…
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My Debt Busting Diary 2016
Soooo, here we go my third diary :mad: As my circumstances and debt has changed so much in the last 12 months, I thought I'd draw a line and make a fresh start. I used my 2015 diary to help me pay back credit card debt racked up mainly due to horrendous vets bills for my pony. Made some progress (not as much as I'd have…
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Debt Free By 2020 - Step By Step Diary
My Situation Gosh, where do I start? I'm 21 years old and due to a series of poor decisions I am roughly £32000 in debt. :eek: I still can't wrap my head around how it managed to get this far but I'm determined to fix it! Here is my financial breakdown: * Credit Card Debt: £2000 * Unsecured Loans: £24000 * Money Owed To…
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Making headway with my life
Hi Everyone, :j I have come to the conclusion that at the ripe old age of 32, I need to figure out my finances. I have managed to balance transfer £1500 of my Sainsburys card to 0% Barclaycard this evening, but just looking at all the facts and figures has stressed me out slightly. So I figured being held accountable to…
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Year zero
Helllloooo! :hello: Well, I've not been around for a while but I have big plans for 2016 - a year in which I have a zero birthday - hence the title :beer: Since I was last here I have moved house, 6 months ago now, and am settled and happy there - I even have a garden! Today I have moved my final bit of debt onto a 0% card…
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Back to DFW but not back to Square One.
Am currently fighting an intense battle with an emerging flu (an early gift from Mrs B) over who has control of me over Christmas. My weapon of choice is Fireball, which is giving me an intense glow something similar to swallowing sugar-coated battery acid. So I need something else that gives me a feelgood fuzzy warmth so…
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AllHail's Debt Free Wannabe Journey!
Hey guys, A quick introduction to myself and how at the ripe old age of 23, I found myself in debt and my plan to get out, for good! Growing up, I was always dead set against taking on any form of debt, even down to lending a few quid from a family member here and there. I couldn't stop thinking about owing somebody money…
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Diary of a busy cow!
Hello! :D I'm a long-time member of MSE and have been debt-free now for a number of years. At my worst, my debt was nearly £10,000, but through hard work, being disciplined and buying less nonsense, I managed to clear all the debt. When I first joined, I worked in financial services (with a lot of other people who were…
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Getting A Grip
Okay, so I'm very nervous starting this. I hope it's okay as I'm not technically in debt (yet), but I've very little left in the way of savings and my credit card bill is creeping up and up. I have a spending problem and I need to get a hold of it before I really do throw myself into debt. So this is my diary to myself. To…
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Scary credit card bill - starting again!
Hi everyone! 🙋 I have been around this site for a number of years now and can't imagine where I would be now had I not been fortunate enough to find it! However, like many a serial offenders, I have launched myself miles away from the wagon over the last year and really need to get back on it 😉 I have huge debts, most of…
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Keep saving and keep smiling
Hi everyone I'm currently saving for a big trip and wanted somewhere I could jot down some daily thoughts about how I'm doing it and how much I'm saving. Whilst this isn't going towards debt per say, booking the flights etc is going to cost and would get me otherwise in debt so I thought a savings diary would be justified…
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Pay off £16k in 2016
As you may(or may not) have seen, i have a thread in here already. I just feel its far too negitive so i have started up this new one for 2016! I realise i am early but everything i do workwise from now on i dont get paid for until the middle of January so why not start it now! My debt started at £46k in the summer and iv…
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Everything Must Go!
Hi all. I'm 19 years old and my partner and I have found ourselves with debts of between 5 and 10 thousand. I have serious mental health issues that prevent me from working and I also suffer from chronic pain, so all in all I'm a bit of a miserable cow. :rotfl: So far we have no SOA or really any idea what's going on, but…
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Time to stop being Dreamy!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1300 Partners monthly income after tax....... 0…
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Dealing with the debt I've created
First off I need to get the bad stuff out of the way. I'm sure it will take a while to stop feeling guilty but, through a series of incredibly bad choices I've made a credit card debt of 3k and frittered away savings that could have obliterated it. I work hard but have been spending harder and need to put it right. I want…
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Hedgesparrow stretches her wings again
I've been here before. I would get obsessed, make some progress and then the rest of my life would fall apart. I've tackled some inner problems since then but now I've reemerged, my debt is worse than ever before. I'm going to take a deep breath and start again. I'm pretty good with the household budget because Mr…
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Facing The Debt To Live Life
So I've spent quite a while on here just nosing but never actually got round to signing up. And I've also never thought i'd post a diary because my monies my issue right but I am ridiculously bad at managing it and seem to know nothing about it and indeed it's value and keep stuffing it up. So I figured, why not? Post it…
