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Fresh Start
So after the fallout from a divorce and suffering from anxiety and depression I have managed to get myself into £39k worth of debt. I've spoken to Step Change and made a monthly budget and thankfully my daughter and I have enough money to live off each month and a roof over our heads. I've contacted my creditors and…
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Accept credit increase?
I've been using an Aqua credit card to help build my credit score after a couple of years of bad choices using regular credit cards got me into debt, which I'm now steadily paying off. I mostly use the Aqua credit card for emergencies, but after a few unexpectedly large bills I'm now close to my credit limit, though will…
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Trying to be back in black, in the words of ACDC
Hi all I used to post on here a long time ago (I've just been given a 6 year anniversary badge as a helpful time guide). I managed to not quite get out of debt back then but very nearly and have since managed to get myself firmly back in it again and thus I am back here again. :o My debts are currently: Barclaycard - £4060…
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Can’t stop spending!!
Hello:T I’m struggling to keep up with my monthly bills and it’s got me feeling so stressed out and overwhelmed :( I live with my partner and our baby and we should have just enough to get by on, but i just can’t seem to stop myself spending money that we don’t have! We both suffer from poor mental health and are in around…
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Onaroll is on a roll!
Having followed some of your journeys for quite a while now, and after the breakdown of my marriage last year, I’ve decided it’s finally time to write a diary! Due to the breakdown in marriage I was in a bit of a pickle, but have worked hard the last 9 months to clear most of the debt left to me. Yesterday I cleared my…
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20k GBP Credit card debts
Hello, I am a European citizen , I lived in the uk for 10 years and was self employed. Due to the way things go in self employment, I racked up 20k in credit card debts in the last Few Years living there. I left in 2016 and I have not returned. I still have some companies calling and leaving messages on my phone like PRA…
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I have just told my husband how much in debt I am
Hi , I have been married for 13 years. I came into the marriage with no assets but debts as well. I had just graduated from university and I was in debt. Debts has always been a major part of my life that I haven't been able to deal with properly. I got married, had two.kids and for a brief while things were better.…
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got to stop spending
Possibly a little out of place on this board as we are not (apart from credit card payments for a car, more on that below) in debt. However, in my 20's I was massively in debt and had no clue about money. It makes me wince every time I think of all the stupid things I did and all the money I wasted. I had no clue what an…
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A year to change my life...
I have never been one to forward plan, never been one to think of the relationship between actions and consequences and never really spent much time thinking about what I would do when I got older. 'Older' seemed a long way off & I can remember watching those shiny ads on the telly when I was in my teens back in the 80's…
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Reclaiming from Payday Loans
Hello all, I was wondering if anyone could help or guide me and the mrs on what to do. So basically my other half received an email yesterday directly from one of the payday loan companies. They had dealt with the complaint and they had made the decision to offer her £580. She responded to the email a bit hastily by saying…
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20 yr old debt
Hi everyone, please can you assist, I recieved a letter from a debt collection agency for a debt of just over £8000 and way over 20 yes old. As I cannot remember the full loan can I send the letter asking them for details of any signed agreements and paperwork I am petrified.
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Clearing the debt
So here I am with a tough time. Childcare is hella expensive, our incomes can't be increased (I am looking for a second job) and I feel everything is dire. However if I can just tackle one thing, my debt, this will help. I need to put everything else out my head and concentrate on making more money somewhere and paying off…
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My Journey To Freedom From Debt
Ok here goes. *Deep Breath* So I am a male who turns 40 this year and pretty much since I left school and started working I have never had a financial mind set. When I turned 18 I got given about £2000 from my mother, when I was younger she took out some kind of insurance policy for us kids that paid a lump sum when we…
