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Squirrelling away the pennies for debt free life
Hello, Lovely to see you, thanks for stopping by, cuppa tea anyone? Right down to business...the debt currently stands at £6,220 on a 0% CC with approx 20 months to run, so in DFW terms not terrible (certainly not great either), so why am I here? Well because our actual LBM was this time last year, when the debt was around…
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Hoping to crack it this time
Hello...hope this is the right place to post this. I am currently just about holding my head above water. My husband left me 4 years ago and due to his own poor financial state gives me no maintenance for our two school age children. I work part time 22 hours per week and with childcare outside of school hours being a…
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Our £20,000 Life
Hello anyone and everyone! Well, I feel mightily ashamed. Poor choices, bad luck and general "well, we'll worry about it next payday" has left us in a mess. When we bought our home we were close to being Debt Free, and now look at us! We had to scrap my car recently, and we did purchase what I think is a sensible and…
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This time will be the one
Hi all I have tried to clear debts a number of times and always seem to fail, but this time it has got to be done the stress of it is just getting too much. I have about £10,000 to pay with 3 different places all of which are on minimum payment so not really getting anywhere. Have 3 kids which is where most of the money…
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You can't beat me, I will win.
Hello all who visit. Ive had my past diary for a long time and I've been neglecting it for one reason or another. Anyway I'm eager to get everything in my life sorted and feel a fresh new start will help. Anyway a bit about me.... I've been here a long time but I'm still in debt. I should have been debt free years ago but…
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Here we go Lupus Lou....
Our debts have fallen by approx £7k over recent months without any effort, just by making regular monthly payments on our mortgage and secured loan, however that 2% fall is not enough, we need to up our game. Husband isn't really worried about debts to the degree that I am, he believes debts and credit cards are necessary…
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TravelGirl84's DFD
Hi All Ok, here goes. I will try and make this as short and uncomplicated as possible. My current debt stands at £28990.63 (without int.) :( . I was initially ok with this because I was dealing with it, and for the most part it is for big purchases and not money that I've squandered. In March this year it was approximately…
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Debt, debt and more debt.
I entered into a DMP in March 2018 after waking up in the night feeling like I was having a heart atack. I left my ex in 2012 and was earning £22,000 a year at the time. I struggled on, paying everything and ended up using credit cards and loans just to make ends meet. I was managing the monthly payments ok until my ex…
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Ann finally getting into gear at 47!
Hey everyone, Just wanted to track my debt reduction here and hopefully start saving for a deposit for a flat. I have posted my SOA on the main DFW thread and will keep revisiting it. I am hopeless with money and haven't really thought about it under recently, was a definite ostrich and it was made worse by nearly all my…
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Sorting the debt and the house.
Well hello.:j This is day 1 of the rest of our lives. Today we were told that the house we were in the middle of buying has fallen through and after many months of looking we have decided enough is enough, there is hardly anything on the market that compares to the house we live in now, so we are going to stay here.…
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New Life Pending.....
Here it is, my attempt at debt busting, learning to budget and create a saving pot! Im hoping this diary will help me, and enable me to get some tips along the way. Now ive actually started looking at money (like i should of done years ago) Im shocked at home much money ive just wasted. I literally did not think twice…
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Becoming debt free and saving for the future.
Recently realised how much of a tool I've been. I'm in £12,000 of debt for no other reason that being impulsive, wasteful and superficial. Starting this week, I've created a budget (I'm sure it'll need to be adjusted over the coming months) and it makes all the difference knowing where my money is going. That's how I know…
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Ending the never ending debts
Hello everyone I have decided to start this diary as I cannot keep control of my bad spending habits :o It’s the summer holidays and I cannot afford to do anything with the kids, even free things because I can’t afford the fuel to take them to these places. Am going to put my thinking cap on tonight and come up with a plan…
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Starting Over
:cool:Hi all, I’ve taken the plunge of facing up to the demons I’ve amassed over these past three years. This is going to be my therapy of some kind, I guess I better had introduce myself and give some explanation. Time to hold myself accountable.. I’m SJ, I’m 27 and I’m starting my life over back at my mums with a 5yr old…
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Pay back and accountability while still staying in contact with dear family abroad.
So I have been reading and writing a lot on these forums since April, and I sort of started a diary but in the wrong place. So any ways here I am, past 50 well in debt, in rented house trying to get a drivers license and citizenship before Brexit, with a part time job, usually topped up to full time with extra hours,…
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From Squanderscouse to Savingscouse... hopefully!
Been a member of the forum for the past 5 years but been more of a lurker than a poster really but finally got round to starting a diary after all that time! The forum and site have been massive helps over the past few years and have helped me go from drowning in debt to being able to save for a deposit towards our first…
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From £14k to in the clear
Hello Everyone, After seeing we are now at the bottom of our overdraft, coming on here and receiving some superb advice I thought I would start a debt free diary. We got here through a classic mixture of: a) not paying attention b) pretty much zero financial understanding (CAN"T COUNT significant bills as a 'one off' and…
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Is Change possible? (When you're in a hole, STOP DIGGING!)
Hi, I'm struggling to even write this to be honest. Putting it all down in black and white makes it feel so real. The very short version of our sorry tale is that I'm 40 in just over 2 years and over the past few weeks I've been feeling more and more uneasy about the financial situation myself and my partner are in. We…
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3rd Time Lucky. £10k to pay.
I am so annoyed with myself. I've been in debt twice before and paid it off...but after being debt free for over 3 years, I've got myself back into £10k of debt through silly habits. I work full time in retail, and so does my partner. He is 100% supportive, but we are keeping our finances separate until I've paid this card…
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10k to Ok!
Well, A year and a half ago I finally saught to take action on debt of around £24,000. Looking at this now it seems like a mammoth amount! :eek: As many people on this forum will understand..much of the time you make a daily purchase and you tell yourself 'i'll put it on the credit card and will pay it off come payday.'…