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Token payments to debt free...Just not sure how to get there yet..Full and final settlements anyone?
I have totalled up all my debts and they are way over £20k... Scary stuff! I have started the process of full and final settlements for some of the smaller debts: -Tesco credit card. Outstanding with default £200. I am paying £10 per month and have offered a F&F of £100. This has been passed onto Fredrickson who said they…
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Sometimes life changes.....
So I'm just embarking on my journey to be debt free so I thought I'd write a diary to keep myself accountable. So onto the boring bit about how I got where I am... So 2015 everything was going great - husband, a lovely 3 year old and a new dream job that paid a decent wage! I had a credit card but nothing unmanageable - I…
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Thanks MSE forum. Ten years since LBM
Hello Just wanted to say a massive THANKS to all the wonderful courageous people on the MSE forum, for all the help, support and advice you have given me. Ten years ago my OH and I were facing debts over £100,000 (business and personal). We were in a really black dark place, both suffering from severe depression, but we…
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Giving up/ Cutting Down Alcohol Thread Part 16
And here's what she started!!! : Part 14 and 15 is[URL="https://forums.moneysavingexpert.com/discussion/comment/73803404#Comment_73803404[/URL] Part 13 is Here Part 12 is HERE Part 11 is HERE Part 10 is HERE Part 9 is HERE Part 8 is HERE Part 7 is HERE Part 6 is HERE Part 5 is HERE Part 4 is HERE Part 3 is HERE Part 2 is…
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Real advice needed ASAP
Hi all My wife (ex wife after divorce) has basically left me i a ton of debt in my name with credit cards and catalogs that she took out a few years back and I can’t prove it was her. There is £2,000 left and I want to move out of my parents house where I had to go when she left me. My parents allow me to have the children…
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Debt Busting & House Buying
Hi :hello: We've been on our debt free journey since January 2018, but started to take it seriously in August 2018. It hasn't always been plain sailing but in that time we've paid off about £5k. But, more importantly, we haven't accumulated any more debts :T We have set ourselves a debt free date of September 2021 which…
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Debt free by 43
Hello all I posted to say I had 30 grand of debt and wanted to be debt free by April 2019. Not posted much on my journey, but that's due to a number of life changing events such as my dad passing away, a new hobby, a job role change (with a rise) but this whole time I'm constantly still writing in my spend diary, which is…
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Wannabe Debt free ASAP
So I’m 23 in debt and hating it 4 x credit card (£800, £500, £500, £2000) 2 x overdrafts (£2000, £800) I pay back about £50-100 p/m on each card but still dip into my overdraft every month How do I stop this and work towards being debt free My only expenses are the gym £35 p/m and i own my car and put £20 petrol every 2…
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£80k debt - 30 month debt free aim - all support is welcome
Hi All, Okay so here goes. I have been hanging around in the side lines for the past few months. I have read many diaries and have seen the improvements people have made to their lives and the great debt reductions they have achieved - well done. I currently have £80k of debt through years and years of credit card misuse,…
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Day 1...
This week I have finally faced up to my debts and I'm in for just under 30K! Staggering given I've nothing to show for it, but not surprising given my lifelong spending habits... I have been a typical over-spender and yoyo debtor my entire life. As a child I would burn through pocket money while my sensible siblings would…
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The big battle
Hi all I won’t bore you all with the reasons as to why I have had depression this is about me being back on my feet and getting back in charge so a little bit about the situation I’ve never had any debt until last year once I was diognosed I was off work and things needed paying so I ended up getting a CC and loan to help…
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Warrant/Final Notice
[FONT="]My partner has received number of letters which were ignored partly because of her mental issues, partly because she did not recognise the name Arrow Global Limited. I live together with my partner for almost 19 years. At the present my earnings are slightly bellow £20,000 a Year and she is making £3,400 a Year…
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Debt Goals
Hi, I haven't posted in a very long time - I'm getting older and it feels like an eternity that i've been in debt and i really don't want to carry it on towards my retirement. My dreams for retirement do not include debt. Today is the 1st April and I have been the fool. I don't want to use this diary as a negative…
