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Absolutely doing it this time
Since I got together with my DH 7 years ago, we've managed to rack up at the worst point nearly £30K of debt. We are lucky that it is manageable for us, but adding things up and coming to the concluding figure did shock us. We each have a personal loan running and one credit card between us which we ran up to just over…
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365 Days to Make a Difference - Take 2!!
Hi everyone I've been missing in action for quite a while - over 4 months :eek:. Not sure what happened, I just checked out. Didn't have any motivation for anything really. Maybe it was the cold winter months. I started a challenge before I left to make a lot of positive changes for the next 365 days and then look back…
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£20k in debt but not giving up.
Just done a quick calculation and I'm approx £20K in debt - mainly credit cards. I love reading other people's debt free diaries and decided to try and hold myself accountable. Both myself and my OH work and we approx earn £42K a year between us and to our horror we have found ourselves in a bit of a financial mess again.…
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0% balance transfers
After spending ages acquiring a credit card that suits my criteria .I have since been informed that i am unable to do a balance transfer on a personal bank loan .Are there any loop holes just confused .
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Time to sort myself out!
Hi, I have been lurking here for a while and find other peoples posts so inspiring. Decided writing down my debts will help keep me focused on getting they cleared. Unfortunately, they seem to have crept back up again over the last year. Time to get they sorted! My current debts are:- Credit Card 1 - £3442.76 Credit Card 2…
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No more excuses!
Hello everyone So I have finally took the plunge & have started my own diary after months or possible years of reading everyone else's journeys. I have been inspired by people who have achieved their goals to become debt free but I am maybe more inspired by those people who are still on the long journey. Those who continue…
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Debt free by 2018
I have been reading through some diaries here for tips and I am so inspired by what I have read that I felt I have to start writing about my own debt free mission. A little background - my debt started at its highest point was £12,242.84 which was a mixture of loans and credit cards, this was in May 2016, my debt today…
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Onwards and downwards...
Hey everyone :beer: I’ve decided it’s time for a new diary. I’ve been plodding away for years, robbing Peter to pay Paul, desperately trying to keep on top of everything. I’m fed up with doing this, so at the end of last year I started a DMP with Stepchange. Having someone else do all the hard work takes so much pressure…
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Becoming a financially literate family
I have been following MSE forums, on and off, for about 7 years and I used to join in with some of the challenges etc. We had (I thought) got ourselves reasonably on track but our circumstances have changed and now we're not doing quite so well. The main reason for starting this "debt free diary" is that we now have a…
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A bit scared but determined..
Hi, I have decided to set up a diary to chart my progress over the next 3 years. I say 3 years as I am determined that this debt will be gone within 3 years. I have already posted in the DFW forum and have received some great support and advice - http://forums.moneysavingexpert.com/showthread.php?t=5618100 Without going…
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do you count your partners debts?
When you are on a debt free journey, do you include your debts, or your partners debts too?
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£13k debt destroyer
Hi all This year i've decided to erase my £13k+ CC debt that ive had since i was 18, it started off small but now its at a point where ive had enough of it Barclaycard - £6700 / £129 a month (will increase) Tesco - £6800 / £80 a month It may seem small amounts each month but my new job starts in May (first payday June 9th)…
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Nobody's business
Will keep this intro short, it's 3am and I want to go to bed, but I also want to get this started, so I thought I'll get the ball rolling and will add the details as the days go by. A Brief Introduction I've been in debt now for a good 10 years and went through various phases, originally it all went down as a mix of being…
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I've just bought a house... time to tighten the purse strings!
Hello everyone, I will kick things off by admitting that this is not my first attempt at a diary - I have already tried and failed at this once already but my circumstances have changed significantly since then... I've bought a house! :D ... and so it is now obviously time to tighten the purse strings and try and save as…
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DMP or DRO
Hello all, Having been a very silly boy throughout the last 5 years of my life I've ended up in £24k worth of debt. Albeit 9k is what's owed on a hire purchase agreement and the rest is part of a DMP that I pay each month. I'm looking online and seeing that a DEO wipes your debts out after 12 months and you don't have to…
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Received a county court claim form from lowell solicitors/Vodafone.. need help!
Hope this is the right place to post.. I got in a 24 month contract with vodafone at the end of 2013, at this time I had a job, a couple of months later my job went into liquidation, it was a bar job, My only income and during this time I was also depressed as I had someone close to me in hospital who passed away. Anyway I…
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Got myself into a sorry old mess..
Hello! I'm doing a daily statement of all my debts and any movement to keep myself accountable every single day! Attempting to tackle one by one starting with the smallest and going up. I realise this may not be the best way to do it but psychologically I will like ticking them all of the list! So here is the sorry state…
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Lots to look forward to!
Hi :hello: It's been years and years since I posted on here and now I'm in a completely different situation. I have been getting very good money for the last couple of years and just frittering it away to the point that I have nothing to show for it and so need to start a new diary to keep myself accountable for my…
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Wizard of Odd - Kitties and Rabbits and Kids, oh my!
In our household the females outrank the men 2:1. Myself, my partner and our daughter are all female. We then have three female cats and one male who's currently separated by multiple doors pending ball removal. One male rabbit and one male guinea pig bringing us to six women and three men, six animals and three humans.…
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I Can Do This
Hi, I'm actually already on my debt-free-wannabe journey but recently found this awesome forum and decided this will help me stay accountable. Unfortunately, I'm not in a position for this to be an easy fix. I start a teacher training course in September and will be leaving my nice secure job to live on a measly (quoted…