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Learning to be an Adult
So for as long as I can remember I have been rubbish with money. Since the age of 18, when I first got a credit card, I have seen credit as free money and would spend the money on my credit cards/ overdraft etc willy nilly with little thought into how I was actually going to pay it off. When I left university in 2011 I had…
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Put away your purse & become debt-averse
I've decided to start a diary to show that it's possible to change from a terrible money waster into a a bit of a budgeting ninja. OK, I'm not perfect....we all have slip-ups now & again....but I am proud that by my budget efforts & our surprising willingness to change from big silly spenders (we really were a pair of…
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Time to face reality and work hard
So I think I need a place to brain dump and maybe get some support and advice. Current debt is around £13.5k and this is on two cards. On card the debt is all on 4.2%APR for life so feeling ok about that. I know what the deal is so can start plugging away. The other is a day to day card which I’m going to stop using and…
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Legal Aid-Capital Contribution Order
Is Legal Aid Grant a civil debt? Is the debt covered under limitation act? Can Legal Aid Agency -out of the blue, enforce the debt after six years without any prior notice/communication/acknowledgement against your home?
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My Debt Free Journey and a Better Life!!
Hi I have lingered on here for a while and taken some really good advice! I have decided to start a journey diary as I hope this will keep me motivated. I have so far been paying off a huge debt of £63k....this consisted of (over the years) moving house (maxed out credit cards, loans etc to move from a nightmare area in a…
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Debt Free By 2020
Hello everyone! Thank you for stopping by to read my DFD. My name is Lynsey and I have started out on my debt free journey. Over the last few years I have made many silly mistakes with my finances. I figure now that I am almost 30, I need to grow up and get my life in order. I thought I should start out my diary with a…
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Pocketfluff's Penny Pinching Plan
Welcome to my shiny new thread for 2018. I've decided to be super strict with myself this year, to stop wasting money, to stop being lazy and letting opportunities go such as wombling receipts and then not bothering to put the points on, forgetting my clubcards, being out of control with the kids and my husbands takeaway…
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Onwards and the debt goes downwards!
Hi All Old diary is here http://forums.moneysavingexpert.com/showthread.php?t=1000559 I can't do the posh linky things. Things are all changing in the Lucielle household. DS1 arrived back from New Zealand and has moved out to start his new job. Spent most of last week building flat pack furniture from the well known store.…
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New here, starting on my debt free journey
Hello i decided to start a little diary to keep up with any progress i have been making with managing debt. Even if noone reads its still quite good to see it written down. I am married with 3 young children aged 1,3 &4. My kids are all still very little and it has slowly put us into debt with me being off work and needing…
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It's a new dawn, it's a new day and I'm flying
A confession to start with. I've been a forum member under a different name for some years now and got my name on the debt free roll 4 years ago. I'm a relatively high earner who never did a budget In the past and never had to worry about making payments. I'm back with a new name as I'm ashamed to admit that my debt has…
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Facing the truth
Hello diary, Well as the title suggests its time to face up to the truth and admit the amount of debt to myself. So here goes. I owe £19,475 over 4 different credit cards :eek: I have no idea how this happened as i literally have nothing to show for it. So I have decided it really is time to knuckle down as a family and…
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Poor Single Lady Debt Diary - Trying again
Hello All. Things are changing and moving forward and so I feel it's time for a new debt diary. I've recently made a lot of changes and hoping to maintain these but there are also some things that need some serious work. Unavoidable's £490 mortgage £100 council £140 management fee £12 TV licence £40 electric £20 water £25…
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Every Penny and all those Pounds
Good morning :hello: I tried to post a new thread last night but I can't see it anywhere..not sure what happened :o I'm not in debt thankfully -well, I have £100 on my credit card but I could pay that off in a second if I needed - I don't want to end up in debt but I can see it happening if I dont change my mind set.…
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Get Organised in 2018
Old old old time user on this forum...havent been active for years and lots has changed....mostly for the better BUT I do have debts that I want rid of and I aim to clear a few in 2018. I will put up a new SOA and list my debts and outgoings to see what I can do and will try and post daily..every few days with any success,…
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Dolly rocks on........
Hey my lovely DFW's, I'll be back here as a regular poster soon enough I promise, I'm gonna need you all to help me through this rather rubbish time in my life :( Wee update is that the ex husband (first time I've said that) has a new flat, he came to pick some stuff up yesterday when I was out but might be coming for the…
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Operation Debt Clearance
Hi I had a thread on here that was deleted as someone had reported it for no reason - and apparently the forum policy is just to delete with no option to recover it. Oh well - I wont go into all the details now; but essentially I started my debt clearing plan in July after I bought my own apartment. I had around £25k of…
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Time to clear some debt!
So I meant to start with a proper debt plan a year ago, but then it didn't happen and here I am 12 months on with basically the same levels of debt and no closer to being debt free! My relationship with debt has been a complex one, and I'm not in debt directly from overspending - I haven't gone and spent it all on clothes,…
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Trying to do everything all at once!
I have been reading everyone's debt free diaries for years now, and finally had my lightbulb moment about a year ago. Since then, I have paid off around £1500, whilst still going on holiday, being accepted for a mortgage and generally still trying to live my life. I can't thank everyone enough for the all the tips and…
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Making changes to become debt free
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Missy’s debtfree seperation! Hugs & support needed
Hi, I’ve been on the boards a while, and always got to much love and support. Of which I am in dire need of it now. I am in the process of a very messy separation with OH. Who is unwilling to accept it. I am in the process of moving out of the marital home into a rented house with DD May(4)and DS Roo(6) And also in the…