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Finchy will finally be debt free!
2018 is going to be my year. The year I pay off my debt, start new adventures and make the most of life. I have been in debt for most of my adult lift due to previous poor choices in men I have managed to pay tons of it off and am now just trying to reduce my credit cards. Due to some unfortunate circumstances I will be…
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Please help
So I'm new here guys and I really need any help and advice. I'll give you a brief history but I don't want to bore you, so..I was signed off work by my dr in January with acute depression and anxiety. Having worked in call centres for the past 4 years eventually took it's toll and I had a breakdown, which 12 months on is…
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DD flies the nest ..how to cover uni costs
Well restarting my diary ,I'm turning fifty this year happily married two kids still alive healthy and nice ,I've now got people around me who have lost their kids through illness and to be honest my only concern is how to help her pay for uni .We are in Scotland but she wants to live out and because of income she will get…
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Planning my great escape
Hello Am starting this diary to try and help myself to get a better life for my children and myself. I need to pay off my debt and get some money behind myself to start somewhere on my own. Not entirely sure about exactly how much I owe. Not really a clue on how I'm going to pay it off at the moment and no idea how to…
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No more excuses - It is time to get serious
New Diary - New Start! Im not going to wait until 1st Jan, I need to get serious about clearing my debt now! I have been clearing debt and putting it back on for as long as I can remember - and I am never going to get rid of it once and for all unless I stop making excuses. So a little about me: I am 28 (29 in March),…
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URG's Sorting the Future Diary
I find myself drawn to MSE at this time of year and I came back today to see that it's my 10 year anniversary of joining this site. My last diary started (and ended) when I had my baby who is now four! So, the last 10 years have been a roller coaster for me. I have had some amazing things happen - got married, had a baby…
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Coffee, Cake, Yarn - New Start
I've decided to edit this after a mess up of the figures. To cut a long story short I've been here before, paid off a lot, lived happily ever after, split with the ex, fell ill, and got myself in a pickle again. So here I am, new username, new diary, new dreams. Upfront warning, I over post :D I'm a thirty something…
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Time to mend and make do, beg, borrow and barter.
Hello lovely MSE angels. I've been around for a while and know the small MSE ways lead to big changes in lifestyle. I'm so lucky I found you all when I did way back in the beginning of time! I had started a new 'adventure' diary but this years events have shifted the focus from those for now to a bit more of a 'primal'…
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Time to Sparkle
Hi everyone! Newbie here. Hope it's OK for me to join. I need some accountability. I won't give all the backstory at this point, though I'm sure it will come out in bits and pieces. Super short version is, very bad, very long relationship, ruined my credit history (and life :P), finally starting to turn a corner but in…
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36K debt - Operation debt-bust!
Hi everybody, I have been struggling with debt now since 2013! After numerous changes in circumstances including illness, jobs, 2 kids, getting married and buying a house we are in 36K of debt. We have recently re-financed to lower our monthly output but obviously over a longer period. Debt free date at the minute is…
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Kez: The Diary of prosperity
I am an early 30s British man living in Japan! I am able to live in Japan long term so I intend to base myself here, and send money that I make surplus to my living expenses back to the UK to save. My short term goal is to save for training to become a therapist. This will involve travelling to Europe several times in…
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WorkiWorking in Magaluf
Hi my 18 year old daughter wants to work in Magaluf next year . She looked on line and found a site to apply for a vacancy. Put her e- mail details in and selected job role. She then received an e- mail to say she was successful . Then a further e- mail requesting her bank details ( at this point she became suspicious) and…
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Debt Free by 2019- Let's go!
So- a bit about me I suppose! I'm lucky to live in a house I bought with my fiance last year along with our three cats and dog. We dont have any children and arent planning on adding any :rotfl: To be honest I am the main issue- debt wise. When my mental health is bad I tend to impulsively spend on cc's etc and then my…
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Turning over a new leaf:Remortgage with debt consoidation
Hi everyone, I’m hoping for some sage advice Edited to remove information as I've been told it might be too identifiable Thanks all for the advice. This thread can be closed
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Into 2018 - trying to become a saver again
Hello all, I am a 35 year old aspiring first time buyer. I said I would save a deposit this year and well hey ho I didn't end up saving more than a couple of hundred by the end of the year. I've had a rough time, a break up, bereavement, stressful job, and sometimes my only relief is shopping. I know I need to change my…
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Single, six kids and going to be debt free!
Okay, so I finally decided to face up to my debts and now my income is pretty much stable, I can now budget and work out how much to pay. My soa is below and I believe I have budgeted for everything. I know I have a big surplus but this is only recent and from the new year I want to start paying everything off. I know that…
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Stepchange?
Hi, im still looking at becoming debt free and came across a site called step change. Just wondered if these people are legit or just another scam to getnyour money? If they are legit, has anyone used them? Ive been looking at either an IVA or DMP but not sure which to go for? Not having the creditors contact me would be…
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Rock bottom?
Hello all, Not sure where else to turn so I have found myself here. Your stories are so inspiring! I am in horrendous debt, much of which is due to my poor mental health, and its got to the point where I can't pay my rent this month and I can't even get a pay day loan! I feel constantly sick, suffer blurry vision and don't…
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Debt Free By 2023
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Now what...
Hi, Where do I start. Controlling the tears would be a good start actually. So here goes. 6 years ago I used this site to help rid myself of debt. It worked amazing. I cleared my credit cards, cleared my mortgage and built a hefty amount of savings. I lived incredibly frugally for a long period of time and saved like mad.…
