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Help me stay on straight and narrow in all forms of life!!
Hi All. I feel i need a diary as I am just hopeless these days at sorting my life out! I am so very lucky and to be honest don't have a lot to complain about. 2 amazing children 8 and 4, an amazing partner who has put up with me for 16 years and counting and amazing supportive parents, a good, well paid job and a beautiful…
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New Start - Together
Hi everyone :) Long time listener, first time caller... My partner and I have had a lightbulb moment over the last month, and have been excitedly working on our finances, and ultimately our future. We're completely obsessed with saving money now :rotfl: I have a feeling I'll be among good company here... As an overview, we…
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It's complicated, but I'm optimistic.
It's been a long time since I was last here. My life has had some (admittedly self induced) turmoils in the last year. They're my issues and complicated, involving the end of a long term marriage. I feel a bit like a 'landed gentry' with a stately home asset rich, cash poor. And fairly heavily in debt. When I walked away…
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I Want To Retire
I feel y'all will need a bit of backstory here... We lost My Auntie yesterday to the Big C. However, this very sad time it has REALLY got me thinking about my financial situation. She never really had a retirement. She got diagnosed a few months before she retired and all her grand plans of going to Australia etc. were put…
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The end is in sight
I wish I had found this site and forum 5 years ago. I took out two personal loans to invest in something recommended to me by a close family member. Long story short, it went belly up, leaving me with £25k debt. I took advice from another waste of space and eventually took matters into my own hands. I decided not to do an…
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Zero debt by 2021 then FIRE
Hello, I've been following the MSE forum for about 10yrs but have never put any of the lessons into practice. I've been living frivolously and thus have almost nothing to show for my 10yrs of working. I've had a baby, a failed business and jointly bought my first property in the past 12months so need to get myself in gear…
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My debt free diary
Hi. I've been thinking about doing this for a little while. More to motivate and keep track of myself than anything else. I've always been bad with money and when I turned 28 credit was chucked at me and I took it and spent it on unnecessary things and now I'm feeling the brunt of it. Me and my partner have a lot of debt.…
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Arvato Barclays Debt
I have a letter from this company Arvato for an outstanding Barclays Bank debt. I'm assuming Barclays have sold them the debt? The letter gives a web address of a portal to make payments and/or set up a repayment plan. In fact the portal does NOT work at all, literally nothing works and they seem a very amateur outfit.…
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More to life than debt
Hi! This is my first diary and we are just entering an IVA. I was trying to pay off debts but there just wasn’t very much spare in the budget to make overpayments. We got into an awful cycle of pay the monthly payments then have to spend on the cards to live. We have £24k of debt which consist of 2 loans (both…
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Reported the fraud, what next?
Ive started the ball rolling with the fact that my ex took out catalogues and cards in my name, I am just hoping that there is proof that they can find that it was in fact her that did it all. I am determined to take it as far as I can if anyone can offer any help. thanks
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Time to grow up...
I’ve recently started to pay back my debts after years of burying my head in the sand. I don’t know if I’ve gone the right way about it so any tips or advice would be fab to clear it off ASAP! Income: £2034pm Debts: Girlfriend: £700 - paying back £350pm (Mar/Apr) Next - £1473.89 Aqua - £1056.92 SafetyNetCredit - £563.91…
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Doing it for myself....
Hello, Total newbie here... well newbie to subscribe before I joined I had been reading everyones fantastic diaries and thought id do my own for a few reasons. Firstly I am in debt, been one of those people who liked to enjoy life by winging it sort off..... what I mean is being a minimum type of payment girl, not…
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Debt Free by 40
Hello :wave:….not exactly a newbie, I had a diary many years ago which I have just reread and can’t believe I didn’t stick to my money saving ways back then. Anyway no point looking back now. I’m going to be 34 this year and currently have around £34k debt which I have literally nothing to show for. I have defaulted on…
