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Mission: A Debt-Free 2018
Hello lovely people, I have been quite a big fan of the MSE forums for a while, although I have generally been more of a lurker than a participator. However, I think its time I tried to rectify this, and thought making a Debt-Free Diary would be a great way to do this...as I do, in fact, have some debt I want to be free…
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Focused on our debt free future
Hi I have been a lurker for a couple of weeks now but feel it's time to start my own diary to help to support our debt free journey (and invest time wisely instead of trolling through Facebook...). So, everything is loosely put together for now but plan to contact each company tomorrow for confirmation of existing balance,…
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Offering full and final
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Time to get cracking
As the title says its time to get cracking and make some changes in my life. First thing to do is sort my finances. I bought a flat a few years ago. Fast forward a few years and the area is going down hill fast and rife with anti social behaviour. To be able to move I need to make some big changes money wise and to be…
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Teeny tiny steps
Just over a year ago, I realised my debt was out of control. I’d begun to real worry about money and looking for help online, I found out about DMP. I filled out the questionnaire, received my application by email and then totally ignored it while taking on more credit to solve the problem.... 10 months later, and all of a…
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Let’s Get Solvent
Hi all! After many, many years of lurking these parts the tine has come to actually be a part of this great community and sort my ... stuff out. In my youth (I’m 29 now) I was a fool with money and we were often parted very swiftly. Years ago, daily life was re-activating Wonga loans, avoiding the post, and borrowing from…
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New mama busting the debt
So this must be about my 100th lightbulb moment. I can hardly count the amount of times I’ve declared war on debt, paid a load off and then in a day/week/month of weakness, undone some or all of my good work. We cleared a lot of debt before my baby was born, knowing we’d need to tighten the belt while I was on maternity…
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Its time to sort out this mess!
Hi, I have been around these forums for a long time and posted a few bits but I really need to be made accountable for my debts, I know I have lived in the red for a long time now and a few factors have stopped me moving on, I am lucky that I have a good job and have money spare as some of my friends do not. Being a newly…
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A new leaf in a very worn book
Hello to all who stumble across my thread in the forum. 2016 held a lot of changes for me, and with it, a lot of promise for 2017. Unfortunately 2017 hasn't quite delivered to my expectations, such is life. So I have been thinking, and with the new year looming it is a perfect time to make some positive changes. 2018 will…
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Time to change the habits of a lifetime
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Time to turn this around
I had my lightbulb moment recently. Despite the fact I have a good job in an industry that means I should know better, I've got myself into a bit of a pickle. The goal for the next 2 years will be getting out of debt, out of the consolidation trap and into a good position re savings. The 2 years after that will be aimed at…
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Mindful or Mind full?
So....... life appears to have changed today! I came downstairs to a letter from my partner saying he needed time away. After 11 plus years. Not sure how I feel. At the moment I need to get a job. Not as easy as that sounds as I have quite a problem leaving the house at all. I am waiting to get to the top of the list for…
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Keeping head above water and on track.
Not really in a lot of debt - (few hundred on credit card which we try to clear monthly - mainly because I dont like using debit card for online purchases) and we try hard to be careful with spending, but my plan to save never stays on course. Probably closely related to the fact we have three growing teenagers. Both of us…
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Drawing a line under the debt. Take two.
So, I can't believe that I haven't updated my diary since the end of march. So much has happened in that time I feel a fresh new one is better. Here is the link to my previous one. https://forums.moneysavingexpert.com/discussion/5585379 So what has happened. Well my husband FINALLY got a job! He was made redundant in April…
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£34610 debt vs. $1.47 cheque
Up on the side of the fridge I have my most recent royalty cheque (check) from my publisher. It's a hefty $1.47 for Q3 of 2017. That's worth £1.09 to me. Aside from the fact the bank charges to convert it would probably swallow the whole thing up. And on the other side of the battle is the £34610 I have racked up in debt.…
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Spend less now, work less later...
Hello! I’m starting this diary with two loans to clear (as well as a mammoth mortgage- but I’ll worry about that later!). I’m not a massive spender but I’m not hugely careful either and I could clear my debts much quicker than I will at the moment if I put my mind to it and stopped deciding that my money would be better…
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Hugglemonster's homemade happiness diary
A new diary for a renewed enthusiasm for clearing the debt, reducing the mortgage and getting my home finished instead of the shambles it's in. I have a few bits of debt left after a nice lump sum from my in-laws cleared the main overdraft these are: * Hally overdraft currently £1012.19 - need to pay this off first due to…
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'I will take control again/spending does not mean happiness/get real numpty' diary.
Well, my savings are almost gone.I've spend a hell of a lot of money recently on a variety of things.Now,i have to draw in the purse strings,budget like a mad woman and start saving again as much as possible. Today I spent almost 20 francs on groceries. Hopefully tomorrow will be an NSD. That's the plan anyway. I've sorted…
