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Mat Leave Fun
I realised last week that I've let things get out of hand and need to rein it in. I am starting this diary to get it straight in my head. I am on Mat leave at the moment we haven't recovered financially from the last Mat leave which included a house move and complete renovation and since our first I am now part time so…
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Positive Steps
I have been a silent MSE forum lurker for quite a while, but through reading may DFW diaries I feel this will be a useful way to track how I am doing. My debts to some of you may seem small, however it is not just the debts that I want to sort - more the mind-set I currently have surrounding money. To give some background…
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When you owe more than your annual net salary
Today I cried, so many, many times. The fabulous lady at Step Change, the lovely man at Step Change, the lovely man at Halifax, Barclaycard, Aqua, I cried because they were all so kind. So fabulously lovely and I never expected them to be nice I cried because it will take me 6yrs and 3 months to clear my debt on a DMP. I…
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Being called frugal is the best compliment
Have been lurking for a while, I had started to budget 2 years ago when trying to Dave a house deposit. That kind of fell by the wayside and life took over and we spent the savings and acquired more debt. Will post soa later but current debt is about £30,000 :eek: This is made up of 2 CC, 2 loans and a catalogue. I have…
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stop kidding myself
Hello everyone, Well here i go i hope this is ok. It's not going to go away i have to stop and grow up.Hopefully this starts now. I need some help/advice on how to get out of my debt. I've just celebrated my 52nd birthday,well did'nt really celebrate it to be honest as had a minor op in hospital.But that time really hit…
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New account, new diary, new life!
Hello to anyone who reads this, Starting a new diary under a new account as so much has changed in my life, this is a fresh start. Feeling positive but will probably need help along the way.. Paid off a £2000 overdraft and a £900 overdraft over the last couple of months. Two debts to go; one CC at £1024.80 and another at…
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Creating my dream life | Round 2
I keep falling off the wagon with savings. But now my life is settling down, I'd like to focus on building up my savings in order to reach my financial goals. I am 23 and live with my fiance in a rented house. I work full time and my earnings have gone up since the start of this month. I don't pay the rent but I pay the…
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DFD: Dread-free diary
Here we go... I’m just under £28,000 in debt with unsecured loans, credit cards and overdrafts. I’ve got so little to show for this debt and it’s incredible how blas! my attitude towards spending this money was compared to the the frantic obsession I’ve experienced when I’ve actually focussed on what I’ve done. I’ve spent…
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Blind Spot for Debt
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One day at a time
So, it’s a shame reality hits when a CCJ lands on your door and it’s going to be Jan 2024 when you know that will be off your credit file . You also know you’ve been sitting with your head in the sand for at least 2 years and there’s a mountain of letters still to go through to find out how bad it is . The worst moment is…
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Full & Final Settlement query
Hi, just joined and looking for a bit of advice. I have 2 debts one for £15K to Lloyds Bank for a loan and one for £6K for a Lloyds CC which has been sold on. Both debts defaulted back in 2009 and I have been paying a DMP since that time and at the rate we can afford to pay it will be 2030 before they are paid off!!! Both…
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saving my future self from debt
Due to an unexpected rather large shortfall in income over the last 12 months I am short in my rental pot for the next 12 months by £16,000. :eek: The objective of my thread is to motivate myself to claw back the money over an 18 month period to prevent myself from getting into debt. It won't be easy as my earnings are…
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CCJ objecting to offer
Hi, i have a debt of £9300 from around 12 yrs ago which i have been paying the bare minimum but has got unmanageable. The creditor has been chasing me for last few months. I have done a budget sheet through national debtline and we have around £60 spare a month. They have rejected my offer of £20, my partner has debts he…
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17 Months until Remortgage - £7,218.15 Debt to Go
Hello All I'm new around here, been lurking for a while I thought I'd start a diary to give me a bit of focus and feel that if I document what I need to achieve it makes me more accountable. Anyway, I brought a house on my own last September after a 22 year relationship, unfortunately had to go 90% LTV but this will be…
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Living on a knife's edge
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Time to face things...
Hi all, As the title says, I have decided after many years of reckless behaviour regarding money, it is time to face up to the situation. As my user name suggests, I have always been way too optimistic about how we were going to pay for things. We'd book a holiday a few months before, and when it came to it, didn't have…
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How did we get here?
So life kind if took over! In the last 3 years we've relocated and moved house 4 times, got married and had a baby. Subsequently this has left me with nearly £16k on credit cards. Now i'm on maternity leave, I seem to be living off them. Not good, I know :( I'm starting a new mission, I want to be rid of debt and enjoy my…
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Why the **** did I move to Nottingham!
Long story short, I was offered unpaid training by a friend in a field which interested me. I was self employed and living in Glasgow at the time, so I thought I'd relocate, carry on my self employment when I land in Nottingham and use that to fund life. Then life threw spanners in the works, laughed, and said no. So here…
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4 years 1 month and I want to be free
Hello all Thought I'd start this to spur me on and get me more motivated to reach my goals. I currently have about 17k in debt. I've never missed a payment and regular chuck more into pots. I just feel there never ending. Both me and husband work husband good job me part time with 4 children. We do have surplus income…
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First Time Frugal and Fed up!
Hi, I am new to MSE and an newly inspired after my LBM and reading everyones diaries - hats off to you all! So I have drawn up a detailed budget spreadsheet and zero budgeted my income so that every pound and penny has a job to do! Feeling confident that my budget is flexible/doable/manageable and that my spreadsheet is…