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Rennovations and the price to pay..
Hi, I am back and after some planned for spending on the renovations we have also had some unexpected costs. lets just say that buying the worst house in the village comes at a cost. A few major structural issues discovered along the way has blow our budget out of the water and I am now sat here with £27k debt. I have done…
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Debt Free by 60
I guess I hit a lightbulb moment in August on my 55th birthday that I didn't want to be still in debt with my own personal debts when I reach my 60th. My total personal debt on 21st August 2019 was £11.024. On starting this diary, my Nationwide loan balance was £7,682 (3.2%) and I have a Nationwide credit card (18.9%)…
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Another fine mess...
Evening everyone. So it’s time for a diary... I’ll apologise now as it won’t be very interesting but I need to record what’s going on in my head so I can keep track and refer back to it. And also be accountable for my spending. I joined MSE many years ago and have had debt for pretty much the whole time, I did almost get…
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10 month countdown to being debt-free!
Starting a new diary now that being debt-free is tantalisingly close, to keep me focused. I also want to minimise my day-to-day spending so that I can carry on building up my savings. I've been in debt ever since graduating in 2001 – never in real financial difficulty, but enough that is has become really irritating now…
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Getting free of debt
I’m a newbie to posting but Years ago read these forums religiously, and managed to get almost debt free). Que another baby and then a house move, which took everything we had saved and then some to get into a habitable state, and the debts went from around £3k at the point of moving house to almost £20k overnight. They’ve…
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I just don't know where to begin with this
Hello everyone. A bit about us - We are a couple, both pushing 40 with a 9 year old son. We both work full time. I work as a teaching assistant/cover supervisor and my husband works in secondary education as a deputy headteacher. We are in so much debt I just don't know where to begin. The most annoying thing is that it is…
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First steps to a debt free future
Hello everyone, I found this forum about two weeks ago and have visited every day since. Not having managed to tackle my credit card debts, let's see if writing a diary will help. These are the current figures: CC1 - £7240.75 23.7% (interest last month was £133.74) Min payment is £205.93 CC2 - £3372.27 15.95% (interest…
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OK I'm going to do this!
Ok so....I am going to do this, I have been sat reading all of your lovely diaries and it has inspired and spurred me on to do my own, I feel I will be more accountable for my actions if I start putting it into print for ALL to see:eek:..... I NEED to get debt free and start saving and achieve my end goal which is a…
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Being frugal
Hi everyone’s Just. Wanted to start this diary so I can keep myself motivated to pay off my credit card. My limit is £3,500 which to some people it is low. I am on a 0% deal until September 2021. Yes that’s two years away but I will Explain why I want it brought down. I have £1,800 on the card at the moment. I earn £1,200…
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USA Debt
We sold a home in USA last year, but recently got a solicitors letter from London stating they made an error at closing and we now owe the mortgage company. We don't understand how this happened and don't know where to go or who can help us.
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Day 1 - Taking the First Step
Hello! I'm NEW here and I am reaching out hopefully there's some support out there. I used to be really good with money, I handled all the household finances gave my boyfriend (now husband) a kick up the backside got him out of debt and managed to save a good amount for a house deposit. This was when I worked full time and…
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The most boring diary in the world...
... but I need to write it. I have a problem. I have a few problems actually. You know you have those dreams when you're younger of how when you're older you'll be in a brilliant job and you'll be happily married, and rich and own two homes? Well I'm 42, in a very stressful job that I love, divorced with 2 kids, just about…
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Starting my Debt Free Diary
Now it isn't as much debt as some people have and are trying to bust, but i have been inspired by some of the stories to make my own and keep myself accountable. Unfortunately i like to spend money and very quickly spend money on things i don't need. I have set up several savings account, but can sometimes find myself…
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Keep Loan or CC
Morning all, just starting on my debt free journey and have a quick question which I hope you can answer! Does anyone know what would reflect best on a credit score - £15000 on a credit card with a spending limits of £22000 or a loan of the same amount? Thanks in advance! I hope to become a regular poster on here and am…
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Organisation will be the key
So a quick introduction, I’m 43 married, work part time and have an adult son still living at home. After getting debt free several years ago, and getting to a point where we have savings has been a massive positive in our lives, it has meant I was able to leave a job I hated and was making me ill. Also in the last few…
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Finally pulled my head out of the sand!
So, I’ve been a member of this forum for 10 years and finally this week I have plucked up the courage to admit to myself and my poor husband that I have credit card debts of £34k over many years and fallen behind with payments. I cannot actually believe this is something I have done it’s such a bizarre feeling I feel like…
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Daring to face the future.
Well dear Diary I am sat here with a dream of finally improving our finances. After years of being crap with money, borrowing to keep up with family and friends, we have hit the rock but not quite the bottom as we have a home and priority bills paid. The rest has gone boobs up. We started to seek advice about an IVA nearly…
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Just starting out, Sept. 2019
Hi All, I just want to start recording my debt war campaign - not sure how much I'll post but also, it's a help to look back and see the progress I've made even if no one else reads it lol! Card Debt Summary as at 19-09-2019: Total Credit Card Card Debt: £30.4K (81% Utilisation) Down £1K in last 30 days 5 Cards make this…
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5582.54 @ 0%
I have been on these boards for years. Some of them under another name which I can't remember! I do try and venture out onto the other boards but it isn't the same. I feel at home here. So down to the debt - we, me and my partner, were £20k+ in debt in 2016/17 and are now finally down to the last debt, i.e.: £5582.54 @ 0%…
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Sparkling New Day
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