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Tired of Being Boracic Lint
Hi everyone, My partner (nicknamed Mouse) and I finally turned into what we have been calling 'future us'. The last few years have consisted of limited to uncontrolled spending on credit cards and extended overdrafts, with a blind faith that 'future us' (the older, wiser, future incarnation of ourselves) would deal with…
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Blue Monday Blues.
Hello, Well today I have finally had my lightbulb moment and need to get me and my family's spending under control. I thought I was the worst offender however I've just calculated my husbands lunch costs as over £80 in one month!!! :eek: well that's not happening any more and he can take a packed lunch!! I need all the…
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Trying to make more than I spend!
Hi all, I have been reading the site, and lots of these diaries for a while now, and thought it might help me keep on track if I started one of my own. Myself and my husband are in a bit of debt - not a huge amount, but more importantly, we're struggling to make our money last until the end of the month. Midway through…
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I’m taking control of my life, now.
Hello lovely MSE-ers!, :) I have been a user of this site for many years but created a new username on 3rd Jan because I had doubled the debt and I was so embarrassed! So here I am, £40k+ in debt. The reasons (excuses) are many and varied, so I won't dwell on the past. However, our current situation is good, good income,…
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Starting Afresh in 2017
Hello All! So, I've decided this is the year I am actually going to sort my life out - in all kinds of ways, but especially my debt. I am 28, single, have had a few health issues this year, am stuck in a rut with work and, after years of burying my head in the sand, of declaring "You only live once!" or just living…
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Drawing a line under the debt
So I have been thinking of having a diary here for a while. I love reading through other peoples journeys on here and have been feeling inspired. This past year has been awful for us and the debt situation has really come to a head. My other half was made redundant last May and has struggled to find another job. The…
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Accountability
3 NSD'S HOME MADE SOUP TO MAKE YEARLY GAS INSPECTION(,probably wait in al day) hope everyone keeping warm another debt repayment of £161 paid (debt £8,800,left to pay £2,170) DMP with Stepchange since 2013 have done 2 spreassheets-1)grocery spending and 2) daily spends saving hard to pay off debt early,
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Taking back control
Hello all :wave: This is my first ever post despite having been reading these forums for many years, usually daily, for advice, inspiration, and motivation. When I first started reading I was over £10 000 in debt (CC's, loans, overdraft) and have almost completely cleared this now - apart from a final £690 on a CC which I…
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The Final Chapter
Following on from my last ramblings Whooaaaaaa! We're half way there Whooooaa! Livin' on a prayer and Debt free by Oct 2016 10700/1075 days. Here is my shiny new diary - plan to post at least weekly. 2017 will be the year I get debt free. House spending got in the way last year. Update 1.12.2016 owed 4300 now figure stands…
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need ideas to make extra income to cover debts
iam 23 and in at least £10,000 worth of debts which most of im repaying as much as can .Iam looking of ways to make extra income to pay off more and actually be able to afford to live and maybe treat myself .Because at the moment every month is a battle and my nights are sleepless .Actually ive moves to working 12hr nights…
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Brave new world
I think I have had my 'lightbulb moment'. It really did come out of the blue. Last night I began thinking about what I used to be like with money and saving; when I was in my late teens I always worked hard on the weekends and in school holidays, and saved my money really well. That all went to pot when I started at…
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Living with less to live a lot more! My journey to freedom.
I find myself on this forum after living in denial for some time and I've been reading lots of inspiring stories before finally finding the courage to post. This diary is mostly about money, but there are several things I want to reduce to improve my life. Debt, clutter and weight are going down. More time to spend with my…
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The Road To Freedom!
In 2015 everything changed and not for the better. In fact in June 2015, I walked out of my job after a heated argument with my manager dropping from £17,500 to £NIL. While I lost that money the amount we gained in benefits (as have 2 children) recouped at least half of that. I applied for college to complete an Access…
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Debt Diary of a Global Hobo
Hello to anyone and everyone who may be passing through! Have some :coffee: and pull up a pew! :) I've lost count of the years that I've been dipping in and out of the debt-free diaries and thinking that I should make one. And today I find myself with a free day (the first in over a month!) so what better way to spend it?…
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Time to stop burying my head in the sand!
Got the kick into reality I needed when was effused a loan to consolidate my debts. Wrote down everything I owed, spent, etc. What a shock ! I know we've had Christmas, but was spending more than I actually earn without realising it! I am very lucky to have a full time job. Something that hasn't always been the case for…
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More savings, more freedom
Hello I hope you don't mind me joining you here. I'm in the fortunate position to be debt-free at the moment. I've used this forum in a previous life to share MSE tips/tricks and stay focused so I hope to do the same again. I have a good level of savings, but want to maximise these and improve them - I'm hoping this diary…
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To hell and hopefully back
Hi all, This is my first post here, be gentle with me. :rotfl: 2016 was an interesting year for me. Following some mental health issues and a spell in a mental health facility I'm on the mend and very much looking forward to the future. I work part time earning 16k a year, have a house with a mortgage (up to date) and a…
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Finally getting sorted
I've been here before and always managed to run up huge debts again. If I'm honest I don't really know where the money has gone and have nothing to show for it. I could use my health and diagnosis as an excuse but at the end of the day I'm 30. I've done this no one else and I need to sort it. I have three debts. A credit…
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LovingLondonLife - debt free in 2017
A new year, a shiny new foray into debt free life!! I have been a long time lurker and follower of advice on the forums and have managed over the years to cut my debt down to one final debt - my massive overdraft. I'm determined that 2017 will be the year that I finally get debt free and have a buffer in both my personal…
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A Ditherer's Diary (again)
I'm baaaack. When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7. Having had a quick read through, a lot of it was me coming and going with a few months/years in between. I…