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Ben's Debt Free Diary
October 2016 Existing debts (in default since 2011): HBOS Personal Loan, £10,700 Natwest Credit Card, £1,200 Total, £11,900 I have managed to clear some other debts too this year: MBNA Credit Card (£9,900 settled at 40%) HBOS Credit Card (£2,400 settled at 40%). I want to push myself over the line, I think I can get there…
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Ok, here goes nothing!
Hi everyone! I have been lurking on here for a couple of weeks now, and I am finally brave enough to come out of the shadows to say... "hi!" My current situation - I have debts that I have never really tried paying off (2 x credit cards - 1700 in total, 1 x loan - 800, and 2 x overdrafts - 700 in total) - so 3200 all in…
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Not so wishy thinking...
Hi all :j Long time lurker here facing up to my debts. I am 23 years old and managed to come out of uni fairly unscathed by debt then moved in with a partner and basically had to take out a loan and use credit cards and (fee free) overdraft just to survive as his income decreased to practically nothing. Not much support in…
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MsPawz Musing's on Money
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EH - Essex > Hebrides...the next step of the adventure?
Well well - here we are again then, new diary as [STRIKE]threatened [/STRIKE]promised - the previous one can be found HERE - there are others too - if I can be bothered to go find them I'll add in some links, otherwise feel free to go stalking if you should wish to! Previous diary to the previous one mentioned above...…
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The adventures of keyring girl...
I'm loving these debt diaries so I figured I'd finally start one. The funny thing is, I've been militant on my debt over the past 20 months, it would have made for a great diary but oh well! Better late than never. You can see from my signature how far I've come. Most peoples eyes pop out of their heads when I tell them…
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The Simple Bare Necessities feat. Gratitude & Recipes
Hello :hello: I think that the time may be right to start a new diary. So much has changed since I started my 2nd diary, which can be found HERE and we're a whole lifetime away from my first diary, which can be found HERE Whilst my first 2 diaries concentrated on living a simple life, concentrating on debt-avoidance for my…
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I WILL be Debt Free but need help
I am writing this from Australia - so I hope you will bear with me as my amounts will be in AusDollars, but I cannot find anything similar to this in Australia My husband and I are pensioners (in age, although I feel quite young in my mind) and we live on a pension. For various reasons and over a period of time I got into…
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only ONE credit card left + mortgage. current mood: content
Me: I've just turned 40, single mother of 1, high levels of debt, living way above my means. A walking cliche... and up until a couple of months ago I was also trying to lose weight, but luckily I managed to get that one down to decent levels. I can now make use of my full wardrobe. Almost :) Let's not talk much about my…
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car hp escape
hi Right, its been a long time since I have been on this and no doubt I am probably posting this in the wrong place, so apologies for that and feel free to redirect me. This time last year I got my car on pcp it was smaller than my old car but newer, more efficient on fuel and was a really good idea at the time. A couple…
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So dizzy, my head is spinning...
It's late (midnight), I've just done our monthly banking and as per usual the result is twofold…. 1) It makes me feel great that all the bills are paid for the month so I can now TRY not to worry about them (I stil do) 2) It makes me feel depressed about the measly amount we've paid off since the beginning of the year! So…
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Coming out of DMP - help please
Hello We are with payplan and they have been excellent. However so we can get a better mortgage rate we wish to come out of our DMP plan. At the current rate our plan finishes in 6 years but we wish to come out and pay creditors in 3. is there a template letter/email we can use to try to come to an agreement with creditors…
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Learning to budget to make future adventures happen
Evening everyone! I've decided its time for a new diary after sort of losing steam with my old one. In September 2013 our debt peaked at £29k. With some luck, a vague budget, changing priorities (kids), and some significant salary increases we have now got it down to circa £13-14k. I have learned lots during the process…
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6 years to a better future!
Hello everyone! I have read many diaries over the last year and finally feel ready and in a position to start my own :) My world consists of me (27) and OH (35) plus a mad 2 year old springer! When me and OH met we both had thousands of debt between us, mine being around 7k and his 16k. Due to a reimbursement from work and…
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It has to stop
This is my first post on here although I've lurked for a while. Completely and utterly disappointed with myself that it's come to this but a combination of bad luck and bad decisions has led me here. I have just under £15k of unsecured debt - spread over an overdraft, 3 credit cards and a store card. Until 3 years ago my…
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Debt free before 30.. can I do it?
Right this is the start of the new me, new beginnings and becoming debt free. I am determined to sort myself out financially before the big 30- only 3 short years away! I guess I have had my LBM, I start a new job in two weeks so it feels like a fresh start. As of today my debts are as follows: Halifax CC: 4570 Aqua CC:…
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It's time to get rid of this debt!
I've got a lot of debt and even though I have read these forums for many years I never bothered to create an account. I started reading this forum 4 years ago when I was on maternity leave and I would find good ideas, follow them for a few weeks then just go back to normal. The debt has increased so much over the last year…
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365 Days to Make a Difference
Evening all. So, I'm excellent at starting new diaries, but dreadful at keeping them going :o I've had a few weeks away from the DFW board and from earning extra money, and it has shown on my bank balance. OH gets paid tomorrow, but most of that is taken up with bills and other payments, and the same will happen when my…
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Found out i have a CCJ
Good morning, I don't know if I'm posting in the right place, please tell me if I'm not :) I checked my credit score recently and found unharmed bad credit, there is a ccj on my report I wasn't aware of from 2014. It turns out its from unpaid university fees that I thought student finance had paid (still not sure why they…
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Time to get a grip and pay off the debt! -
It's the middle of October and yet again there's officially too much month and not enough money.We've been in debt before and cleared it, but a house move has pushed up spending and it's got out of control over the last year. Hubby and I have been really struggling to get a grip on additional monthly spending and I…
