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Lets have a Debt Free Pod!
Morning all, Starting a new diary as I can't find my old one.... Back again, life go busy and I lost track of my other thread so nice a new one today. I'm a long time user of this site, but I am going to beat this debt this time! I have an action plan and honestly shouldn't be I the state I'm in, so very annoyed with…
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My name says it all, dreaming of better times
Hi I'm going to hit 40 in April and have learnt over the last few months to budget (ok took me long enough for reality to hit). Currently I have: £31604.16 from £35000 left to pay to a loan me and my ex took out for home improvements long story but I have to get this paid off, £3395.83 paid so far £12908.56 to everything…
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I need to be Debt free again
Hi, I hope I am doing this right, I am new here. So I'm in £1800 debt, I understand this isn't bad in the grand scheme of things, (I also have an £80K mortgage but that's not my issue) So after being in debt most of my adult life, I eventually took out an IVA which finished a few years back, and here I am once again in…
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Ditching the last of the pizza debt
Hi everyone :wave: I'm an old-timer around here and have managed to reduce my debt from £18,780 in February 2014 to £6,750 today. That's £12,030 paid off and I could not have done it without the help of Martin and everyone on here. Thank you, lovely people! :A I thought I'd start a new diary as my circumstances have…
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Time for a change
Hi First time poster so please be kind So I've been a long time lurker on the forum over the 2 years since I had my lightbulb moment, and it was because of this forum that I found the help I needed to get into contact with Stepchange who gave me some excellent advice and started me on the road to getting my debt under…
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Debt Free Wannabe Teacher
Hello, I am hoping to use this as a spending diary to keep me on track in my mission to become debt free! I've used MSE's website and forum for years and years (despite getting further and further into debt!) and am finally starting my very own thread! I have been in debt for quite a while now but it is only now that I…
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A Better Life
Let me start by just saying how much reading peoples diaries has motivated me to make a change, the stories and tips gave out by everyone on DFW gave me the inspiration to start my own journey so if you have contributed to or have your own diary I want to thank you for your posts. A bit about myself, i'm 26 and have been…
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Been in debt all my adult life, this madness is going to stop!!
Hello all! :beer: I want to start by saying I love reading all the diaries on here, it makes me feel so inspired and Im worried my ramblings will not be half as interesting but I can finally see an end in sight and just want to jot down my thoughts and keep really focused! So a bit of a back story, Ive been in debt for…
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Time to get serious about sorting my debt
Hi, I've been lurking about on here for years and have been spiralling deeper into debt all this time. I'm now sick of being in debt and not being able to afford nice things with real money. I've not defaulted on any payments but I'm making the minimum payments only so not getting anywhere. I've not had the best year so…
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Debt Free For My 2 boys under 2
Hello :wave: As the title suggests, I am a Mummy to one DS 15 months and another DS who is being delivered via C-section in a couple of weeks. I have over the years accumulated a lot of debt, being silly in a previous relationship, consolidating only to then max out cards on quite honestly c**p. The realisation that I am…
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Debt free me (to be)
Hi all, I have visited these forums many times but I'm deciding now to comment to becoming debt-free by December 2017. This will be a massive challenge as I am already quite stretched but I am going to really try. I am a 35 year old single girl and I live alone. I own my house and I'm not including my mortgage debt in…
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Uphill Struggling: one woman's mission to get her head out of the sand
Hi and thanks for clicking! I'm Uphill Struggler and this is my story. My story starts a long way back. I won't go on too much as I've come to realise time is precious, for you and for me, and my laziness in not facing my debt problems was mostly down to poor time management. I'd just like to keep this thread as a means of…
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Struggling to stay on the financial straight and narrow
Hi all, I rumble around, disappear for a spell then bob back in when I need advice and you all are always are so supportive and helpful. So, the back story is, I'm very grateful to have cleared my thousands of pounds worth of debt (Phewwww!!!) and for a spell, wonderfully rested and sound sleep filled nights became the…
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Fraud !!
No I have not committed fraud in the legal sense my debt is low compared to all the brave people that have admitted their financial situation and are working so hard on clearing the debt. They are so inspirational My debt is so tiny compared to theirs but it is something I have only just recognised - I was not aware as I…
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Ex debt letter
I was divorced 4 years previously and a letter has arrived at our previous marital home. The letter is from Lowell financial LTD and seems to for something my ex had from JD Williams. They are requesting payment and offer a 75% discount. I am concerned as I am the house owner (having bought my ex out in the divorce) and I…
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My spending and debt free diary!
After lurking for a very long time I've decided to start my own journey! I've been debt free before then decided to spend more than our means! It's now got to the point I'm spending on the credit cards for no reason at all and just for silly things for the house! I've always planned to make sure we had emergency savings in…
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The life and times of Dolly.........
So I wanted to start this new long term diary as I want to put down some plans in my head & feel that this is the best way to do it. I am going to split my goals up a little, some will be never ending but some will come to a close when I meet the goals so here goes............... Lifetime Goals [STRIKE]Debt free[/STRIKE] -…
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Nearly debt free diary
Hello, I've been lurking and subscribing to a few threads over the past few months and finally plucked up the courage to start a diary! As the title says ' nearly' debt free diary.. My current debt situation is below: -£350 CC with 18.9% (interest free ended on 25th June 2017) - £375 Argos Card (interest free until 25th…
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To keep me on the straight and narrow........... again!!
Well, here I am, back posting on this forum, still been lurking in the shallows, but need to get back into the swing of things, it's a bit like dieting really, you know you loose the weight put a bit back on, loose it again, feel it edging back!! ���� Not that I've got into any further debt, but…
