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A temporary shack for Treadingonplaymobil....
I've built myself a temporary home here because, well, ummm.... Has anyone seen my diary? Seriously, I can't see my diary on here anywhere, and I've had a couple of messages from people asking where it is! If anyone can see it or advise me who to contact to find it again, I'd be terribly grateful.
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The Diary Of A Skint New Mummy....
Hello everyone! I've been around these boards for a few years now! A bit of background story; when I broke up with my ex I was forced to leave the home we rented, I also moved back to my home town, I was working full time but being only 21 the payday whilst good wasn't amazing! After taking out a year contract the rent and…
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SeekingRedemption's DFD
Hello, You may have seen my thread on the main DFD board, but to briefly summarise: ordinary family guy, went through redundancy and separation in quick succession, hit the bottle, lost the plot, had access to loads of credit, racked up almost £20k of debt in short space of time, had LBM, ended up here. I'm going to use…
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Third-Life Crisis
Hi everyone, So it would appear I am having a third-life crisis. Although we've been aware of our massive debt for a long time (having been in debt since being offered my first credit card by the bank at 18) it has really hit home this week how much we owe and how long it's going to take to pay off. Throw in the looming…
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Peace of Mind is the Ultimate Goal
Confession one: I'm not great at keeping up with diaries. Confession two: I've been checking out of MSE/DFW recently for weeks/months at a time. All this results in is me wasting time/money on rubbish and not getting anything productive done. Confession three: I really want to change things for the better. I was at work…
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Long battle to be free of debt
Stepping into the light after years of unemployment and personal issues I will not bore you with I am beginning to understand the scope and scale of my financial position. In many ways not knowing was a blessing, I could make guesses and assumptions but not stress too much as I was not sure. I have been in the same job for…
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One domestic drama away from debt: future-proofing our finances
:o Thanks to Mothernerd on the NST thread, I’ve had an alternative kind of LBM ... We don’t have debt at the moment and we no longer have a mortgage thanks to a major downsize / downshift which was our primary debt removal technique at the end of 2016 – sell up, pay off, shrink everything down to frugal proportions, all of…
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Loan or Credit Card - repay which first?
Hello All! Looking to go for a mortgage in the next 6 months. I'm putting aside some disposable income to pay down some debt. Debt 1: 10,500 loan - 42 months, total repayable £13,335 repayments = £317.50 per month £250 is paying off the balance, £67 interest Debt 2 Credit card £3400 - 0% interest credit card, until April…
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One last push...
Nope, I'm not pregnant. I used to post on this site around 2012/13 when I was about £6000 in debt, and I really found it a lot of help. I'm back and unbelievably still not quite debt free, so I'm planning to post here and get myself over the finishing line. The good news is that over the past 5 years things have got a lot…
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Dancing through the rain with a smile and good cheer
The other titlel to this could be Dancing through the rain of debt and chronic illness but I am determined not to be negative. I have had a diary before Life begins at 45, this was my first post on 28th July 2014 just shy of three years, and well life didn't begin and has been quite static. I had high hopes..... This is…
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Empty Nest, Empty Pockets
This is my third or fourth diary on here but I am really going to work hard to jeep this one updated. We are at a point where all the kids (four of them) have left home, well the youngest is travelling in Australia and we are really thinking about the future and how we want to live. We have had a DMP since 2011 and we are…
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Champagne Lifestyle, Lemonade Wages
Decided to create my own diary, after reading so many of your amazing journeys you have really inspired me to take control of my debt! I have made so many positive changes to my spending in the last 6 months but still left with the debt from my past mistakes. I am used to having a lot more income to splurge on pointless…
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Discipline, the way to 0 debt & a good diet
Hello fellow DFW'ers.... This is my 3rd or 4th diary on here and its just crazy how I manage to get myself into so much trouble without thinking about it.... I should probably call this diary "Discipline, the way to no debt and a good diet... in fact I will change it from "Debt, diet and discipline". Speaking of…
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Frugal/ minimalist journey to a better life
Hi all I am starting this DFD to try and help me get and stay on track. I am struggling financially and have a lot of debt :( I want to start living frugally and mininally to live a better life. I have been so stupid with money over the years and I am currently having a complete overhaull! I have basically lived beyond my…
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Unsinkable
New diary, I have been thinking about it for a while now. I have been back almost a year give or take two weeks and boy what a year that has been, reading back over my old diary. The title of my new diary comes from a Lucy Spraggan song, which the lyrics fit the mood at the moment. Reflection on the past year: * Current…
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HMRC Tax Advice (Gambling Debt)
Hi all, I wondered if anyone on here could give me some advice please on how to deal with an unpaid HMRC Tax Bill? I'm self employed and set up my own Ltd company around 12 months ago. I subsequently worked between July 2016-December 2016 and owe tax from that period. This is where the problems start..... I have been…
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Step one of becoming UNprocrastinated
Good Morning all :) I'll start by saying that I'm not in loads of debt, but I can feel myself heading that way. I am 25 years old, myself and my boyfriend have just recently got a mortgage together, and we are now renting that house out and living with my parents until the end of next year to save for another deposit for…
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Feel like I'm in sinking sand
Hello, I've got myself in such a bad position and I'd like to change it, I'm 21 years old and my partner is 23, we have been together for 4 years, no children but we rent our own flat. I had a really crappy childhood so the second I started working (my first job was McDonald's at 17) I used to blow all my money, on stuff I…
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Credit card junkie!
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Now I own a house... time to get my ish together!
Ok - 3rd diary attempt.. I picked up the keys to my first flat last Thursday and so this begins my journey moving forward as a homeowner! Debts: Family loan - £12k (£2k by January, the rest negotiable over time) Mortgage - £124,612.10 :eek: Credit card - £2744.04 (0% until summer 2018) Time to start shifting these a little…