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Let's skidoodle away from debt!
Yes my name is okidoodle because my kid is obsessed with Okido and I'm kind of messy. Anyway... Day 1 of Debt Fighting Things accomplished today: - Bank and Credit Card statements opened and actually looked at :T - 0% credit card and balance transfer applied for and got - M&S balance transferred - HSBC credit card cleared…
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My Journey To Early Retirement
Today has been the day I woke up and decided I can not carry on the way I am. I have debt of £22.500 plus my mortgage which is about £60,000. I want to retire by the time in 55, I will be 50 in September. I want to retire debt free and mortgage free. I have been in debt all of my adult life, so it is time to take control…
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YorkshireSlider Debt Free Diary
Hi Y'all, So this is my first post, well my second following a thread to ask for help as to where to start. I've come onto MSE every now and then, but ultimately buried my head in the sand when it came to may debt! Realistically my debt issues started at Uni, not with the student loan but with living beyond my means, going…
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One step at a time
Afternoon all, I’ve been lurking on these forums a very long time and due to our future being rather uncertain at the moment I want to make sure we are in the strongest position should it all go belly up. There is myself my wonderful husband our teenage son and daughter. I consider us very lucky we are very happy and…
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Mof's Muddle
I'm in a never-ending cycle of bad decisions and "I've earned it" purchases, compounded by a compulsive shopping habit and best friend in a foreign country. My dad was an accountant, which makes this even harder to admit, because he was always so careful to never leave us wanting and I don't think I ever understood how to…
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Changing for good!
Hello MSE! Not my first time posting a DFD, but hopefully the last. I did originally have a few grand knocked off of my debt total which I was really proud of, but in trying to keep up with my partner and be able to keep doing stuff with my life I ended up with a few more short term loans and credit cards, and looking at…
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My Debt-Free Journey has started!
Hi Everyone, I have been reading through these forums for the last couple of weeks and have decided to start my own debt-free diary. My main debt I'm worried about is my credit card which had a balance of £7453.80 and an APR of 20.9%. I have already started making additional payments over the last 2 months, £279 and…
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Start of a new chapter
After getting a phone call from my partner telling me he's now -£400 in an unplanned over draft I thought enough is enough!! We have to start doing something about this debt. I myself have also managed to run up credit card bills of around £4,000 as well as using all our savings to be able to buy a car. We have both always…
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Suppose I'd better get on with it then!!
Hi, I posted on the DFW board last week when I needed advice about the best route to tackle my debt. https://forums.moneysavingexpert.com/showthread.php?t=5868549 I am hoping that keeping a diary will keep me on the straight and narrow. I will copy and past my SOA below. Household Information[/b] Number of adults in…
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Focus, Action & Consistency is the Key!
:hello: Hello again, I'm MuffinTops and I'm in the exciting position of being Mortgage and Debt free. This diary forum and many amazing posters seriously helped me get to this position. I am in my 40's, single and living alone, and I do have a decently paid job. So what's the problem??? I have no long term focus. I became…
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£15,129 High Interest
Hi all So to create a bit more self accountability and to keep on track I am here to put it all out in the open, seek advice and make sure I get this sorted asap. I have had the opportunity to squash this many times over the last 5 years but have always not or had a high expense unexpected payment pop up (moving house…
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£29,303...Enough is enough!
So, I’ve had “lightbulb moments” before, but today I’ve reached breaking point. The realisation that we could lose everything, including a roof over the children’s heads, has slapped me in the face. From £4844 of debt 18 months ago, we are now at an all time high of £29,303. Yes, we have things to show for it. We’ve bought…
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Getting on track
Hi MSE'ers :j Well this is exciting. :) I've been checking out debt free diaries to gain inspiration and I think the best thing would be for me to start my own, for accountability. Soooo....my current debts are as follows: :( SCHBOP - £835.60 - 0% and paid back at £10 a month :( FW - £697.80 - 0% and paid back at £20 a…
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Starting the journey
Hello. I am at the very beginning of a frightening path and I have never felt so alone. I am hoping that starting a diary will help! My/Our debt currently stands at just over £116,000. £63.5K on credit cards, the rest on loans. Ashamed is an understatement! Is there a list of the biggest idiot on here, I think I could make…
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Little Debts to Large Savings
I have a car finance debt of £4170.32 with payments of £148.94 per month and a final payment date of 28/10/2020. I know it's not a huge debt compared to others on here but it bothers me, I didn't want to take out finance but my old car eventually gave up the ghost and I didn't have any savings to buy another. We're…
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without prejudice ?
Hi, I just received an email from BWlegal telling me that I have an outstanding amount due, but they will offer me 80% discount,without prejudice, if i can pay it within the next couple of months, it was from a payday express loan nearly 5 years ago.It does say my credit file would be marked as fully satisfied. Should I…
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Debt Free by 40 - let the countdown begin!!!!
Hello MSE :wave: So after the realisation I feel like a passenger in my own life, I've decided it's time to get a grip and start putting plans in place and into action. I've got a big birthday coming up in just over 2.5 years so thought it'd be the perfect time frame to work within. So why am I here? Since my uni days…
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Sad but determined
Hi all, I managed to get debt free last year, with my husband, and I've had my little baby in Feb and been merrily spending away my savings and having a lovely time on maternity. Until last night. When I opened a letter to my husband to find that he has over £3k on a credit card that he has kept hidden from me. He now…
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SOA help please
hello...hope i'm putting this on the right board...I've been reading through some of your entries and find myself in a similar position. Please see below my SOA and please offer any advise and share experience if youve been in a similar position. Currently we are just meeting our monthly payments, but once the 0% deals…
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Employer threatening me with a CCJ
Hi all, I am wondering if you can help. I joined a company in sales in 2017 and the salary was not very competitive and as a result the employer offered me a top up on my salary for 4 months until I increased my pipeline... the clause for this top up stated that I would have to pay it all back if I left within 12 months of…