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Want to be debt free but also save for deposit!
Hi, after a little advice, or just an opinion that I'm doing the best with what I've got. So bit of back story, split from ex of 10 years who I lived with and renovated house with and the mortgage was in his name because at the time my credit rating was abdominal! Go through solicitors, getting 3k out of it (I asked for…
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I was nearly debt free by 40!.
Hello all, I decided enough was enough around 5 years ago and £25000+ in debt on various cards and loans, put my head down and cleared most of it bar a few hundred here and there last year (it was very hard work, no treats and mortgage to pay too!). I think at that point I'd got repayment fatigue!, treated the house to…
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£2,300 by 23 September 2017
I have £79.50 in the pot now. I'm hoping to make it grow.
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My diary - over 50k of debt to clear!!
Hi all My first attempt at doing a diary of this nature so any and all feedback welcome :) Thanks to the support of the money shed and MSE I have now started my journey into the world of saving and earning money over and above my normal income! A bit about me first - I'm 32, work full time, live in North Wales (which I…
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Want rid of this 10k monkey on my back!
My first diary :) A little about me: Late 30's, married to lovely DH & full time cushion to a very floofy cat. :p I'm self employed & earn varied amounts. Generally no less than £3k mth but this goes straight into my Limited Company and I draw roughly £2k mth as wages/dividend. The rest stays in there to cover corporation…
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When things hit rock bottom the only answer is to fight the way back up...
I'm back again, worse than ever to be honest. Things all hit a head in March and along with help being needed in other areas than financial I realised that the money side of things are a big issue in fixing things elsewhere. Although not posting I have been reading the diaries I have followed, so many who helped along when…
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Make £1800 this summer to pay off credit card.
I need to pay off 1 of our 0% credit cards asap. The balance is just under £1800 so rounded up for ease. Ive given myself a deadline of 8th September 2017 (4 months away) but aim to pay it off sooner. This is going to be from selling items i no longer need and any extra work i take on (i am self employed). Works out at…
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Bitter sweet landmark day
7/5/2017 Is a landmark day! Its a great day as it happens, but it's also a day where the reality of the road ahead now dawns on me, let me explain; The story starts two and half years ago, November 2014 to be exact, this was the date we moved into our second home together, at this point we were very happy but had emptied…
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DRO diary
Hi, This is my diary as we (myself and partner) start on our DRO. I'm sending our paperwork off tomorrow, I can't wait for it to finally happen. Our son deserves the best in life so we are getting a handle on our finances now so we can provide for him as he grows up. YM x
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My wobble worries
Hi all, I've just woken up thinking about money. This time I haven't woken up worrying, but more annoyed at myself. I'll admit to anyone that I like to splash out and 'treat myself' and I know I'm very weak willed. About 8 months ago I realised my debt wouldn't ever decrease because I kept spending on my cards. It all…
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Spend Nowt, Buy Nowt, Owe Nowt
How do I start what feels like yet another diary? After being on the MFW board I have come back to the DFW board to shift the debt we have run up in the last 12 months. A quick back story….DH and I are classic impulsive over spenders who went pop back in late 2008 and managed to climb out of the pit of debt we were in by…
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A girl desperate for a life without anxiety
Well I've been a lurker, I joined but never got very far and the anxiety is getting worst and the guilt is always there. I live a lonely life even though I am in a relationship and have 2 children. I don't seem to get very far because I have so many issues that stem from my childhood and don't seem to be overcoming them…
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Head out of sand time! £63k to zero!
Hi, Have dithered for a while about this diary. I've lurked on and off this page for years, but never really done anything about our debt. It's been creeping up for the last ten years and I've now come to terms with, and got help for my depression that had, I think, led to most of it. Initially, my hubby lost his job,…
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LHG - the next step
Good morning dear friends. I'm starting a new diary because something has subtly shifted beneath my feet and it feels like time for the next phase. (previous diary here https://forums.moneysavingexpert.com/discussion/4822453 ) I'm currently around £24k in debt (£50k at it's absolute highest in December 2013) but have been…
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Happy Life
Hi friends! I'm 30 years-old, live in London, and have a heck of a lot of debt to squash. £22,958.06 including the interest I'll pay on my loan. It has penalties for early repayment that mean it's not worth doing so. I'm disabled with a rare genetic condition. It's multi-systemic which means it causes problems throughout…
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Less skint and more skinny!
Welcome to my diary and thanks for popping by. I need to drop pounds in every sense of the word and I’m hoping one might encourage the other. A little bit of background about me: I’ve always been more of a saver than a spender, and debt makes me feel uncomfortable. My husband on the other hand is the other way around and…
