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DMP Yearly Review
Hiya Peeps, My yearly DMP review is nearly here. After going through my bits and pieces and I find I have a spare £200 going spare (obviously joking) can I tell Step that I am only going to put £100 towards my DMP? Many Thanks, Carol
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Fresh start for 2017
I have finally started a debt-free diary! So, basically here goes...well, I was sort of debt free in June 2016. Sort of, meaning I don't count my mortgage and student loan as actual debts. I had cleared my overdraft and overdraft. Anyway, to cut a long story short, a friend had lent me some money to pay off my credit card…
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How did it get to this? Again!!!
When I say how did it get to this - again. I lie. I don't think it's ever quite been like this before. I moved this time 3 years ago, downsized, paid off all my loans and credit cards and was in a really good position. 3 years later I am approximately £16.5k in debt and I am about to take out a debt management plan with…
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Smolly's Stumblings to Sanity - the next Chapter...
After much gentle pushing here is my new debt busting diary – my previous ramblings can be found here under the rather grim title of ‘Bereft and Broken’ should anyone feel inclined to read it and weep. http://forums.moneysavingexpert.com/showthread.php?t=5503074#topofpage I have come a very long way since July when I had…
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What have i done!
Well, after finding this site i finally pulled my finger out and decided it was time to do something about my finances. mid 30's from a family where money talks and for too long I've put other peoples opinions and my own selfishness before whats actually important. Been living beyond my means for years, the divorce didn't…
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Dealing with the Debt: 1st Jan 2020 Target!
So, this is the beginning of my official Debt Free Diary :D Having posted a question on the main DFW forum and getting some fab responses, one of the suggestions I received in terms of keeping me motivated was the start a diary of my progress; so here I am, for the highs and lows :p My story (edited down a bit!) is as…
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The Illuminative Project.
Hello, I have decided to start a diary for a number of reasons. The main reason is to monitor and keep track of the amount of debt I have. Other reasons include a journey I am about to embark on with my inner self and the paths I shall take to get to where I want to be. A bit about myself- I'm mid twenties and a single…
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My line in the sand...
Dear diary, Well after long time lurking around the various boards I find myself finally posting but not really on my first board of choice! Firstly I've decided to move this to here as it is going to be more of a diary than a request for help, so if anyone knows how to delete my post from the main forum pls point me in…
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Getting Debt-Free despite Struggling with MH problems
I have quite a lot of debt: £7000 ''normal' debt' - paying this off at £335 / month £6000 'debt to a family member' (no interest on this one, and can perhaps vary the payments a bit' - paying this off at £50 / month £127000 'mortgage debt' - paying this off at £600 / month - not really significant to me at the moment, my…
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Bullet Journals
I'm hoping this is ok for this diary to be here as I know the information has already helped a few of the readers of my thread. A few months ago I decided I needed to get more organised and came across the bullet journal. It was initially invented by Ryder Carroll as a basic listing system. Some have taken it to a…
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Paying off loans with 0% credit card?
Hi I am not very experienced in all of this but I am wondering if I could pay off a loan with a credit card that is 0% balance transfers and purchases for 24 months to save on interest ? I think I can pay it off in the 24 months but if not I could just get another 0% money transfer card and transfer again to save on…
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No more babies, and no more debt!!
New diary time.... Long story short, I have three children, and the last two maternity leaves has brought with it some more debt... Well this is the end! No more babies, and no more debt! It seems i lose focus when im on maternity leave. Ive had a low income all year, and have just returned to work. Im usually very focused…
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Out of the mares into the dreams.
Light bulb moment ?? Nah. Tried a million times before?? Yes of course. Scared to answer the phone,open mail?? Not so much scared but embarrassed O yes massively. Feel like life is out of control ?? Not life but my spending and debt piles are as is my health. So it is that time of year where everything usually gets thrown…
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Not quite sure I'm ready for this?
Hi all, I have for many years ignored just how bad I am with money. I'm not expecting magically for money to fall in my lap. I am also realistic enough with myself to know I won't be able to cut back as well as most of you do. I pay too much for rent but am loath to move until my BF is ready, (if ever) I over spend on…
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Debt Free 2017
Hi newbie here (be kind!) I've subscribed to MSE for a while now but never really participated in the forums but having had a wake up moment this week I'm determined to get me and my husband debt free ASAP (so that we can start saving a deposit). Whilst I'm on a good salary my husband is on minimum wage. We have around £4k…
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Finally admitted my problems... onward and upward!
Good morning everyone :) I have finally admitted that I have a problem with buying stuff off of the internet and through online catalogue companies. I have admitted it to my lovely other half and he admits he did wonder where all the clothes were coming from but he has said that he will give me support and slap my fingers…
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And so the adventure begins
Hello :j from a newbie to the forum. I have been reading the forum and especially the diaries now for some time and have been really inspired by some people's journeys, so I thought it was about time I started my own diary. This diary is for me, to keep track of my own journey, ups and downs, and I hope some of you will…
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Trying to beat the predicted DFD!
Hi My lightbulb has been flickering for nearly a year, but it is well and truly stuck on now. I started 2016 with just under £15000 of debt and planned to end 2016 at least out of the "teens". Instead I have steadily dug myself into a deeper hole and currently owe £17895 accross 5 cards. All but £1300 is 0% for the time…
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Feel the rhythm! Feel the rhyme! Get on up! It's debt-busting time!
Hi everyone, I'm a long-time lurker turned diarist. I probably should have joined sooner, but I needed a great username and catchy title first! :p I’ve read some good stories on here, and the support you give each other is wonderful to see as so many try to reach a common goal. I have the same goal – I’ve been in debt for…
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3rd Time Lucky?!- Attempting to clear £6645.93 of debt in 105days (3months+13days)!!
Ok so have kinda messed up turns out Haliwax (cc2) have started charging interest 2 this month...seriously confused thought it had a much longer 0% interest term. So have stupidly opted for a 3 month 0% Interest balance when I should've got a longer term...only a £4 interest on a 3.5k balance but damn Im so annoyed with…