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Debt Compare - has anyone used them?
Spoke to a place called Debt Compare today - has anyone used them? Thanks! Kind Regards, Ken
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Debt management plan maybe?
I'm really hoping you can help guys! I'm in the process of folding my Ink Cartridge business after 12 years. In total my business and myself owe £32500. I was looking to release equity from our house as we're very lucky we only owe just under 2k on it now. I work part time as a Caretaker (16 hours a week), Football coach…
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“Debt is normal. Be weird.”
Having lurked for a long time (and posting occasionally), I’ve finally plucked up the courage to start this diary. No idea if anyone will actually read it, but I hope that the process of writing it will at least provide some much needed therapy. That is assuming this thread actually works as intended (my technological…
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It's about time I sort it out...
Hey all :D I've been lurking around on this site for a longgg time. I've just never posted until now! I'm in desperate need of sorting my finances out as our first baby is due beginning of Feb!! Of course we are both over the moon but after the initial excitement the realisation of maternity pay / amount of debts have…
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Is this the way to debt free paradise?
I have thought of starting this diary several times and, like many other things in life, I have always talked myself out of it but here I am today actually going ahead. The reason for starting the diary is threefold really: 1. Beyond the bills, buying food and petrol I genuinely have no idea what I spend my money on. This…
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Countdown from £28k...
Hi all, Have decided to start a debt free diary. Have dipped in and out of the forum in recent times and have had quite an extreme change in circumstances that enables me to make a big dent in the debts quite quickly if I'm focussed. Moving back home I have no bills or rent to pay, though my spend on travel is higher…
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Time to get debt free
I've decided from this point on I'm going to properly tackle my debt and eliminate it altogther. My current state is as follows 118118 Money card = -£7 balance (Will request this refund and close the account) Aqua Card = £710.40 (41.9% APR) - Will close this card when the balance is cleared due to APR rate Barclaycard =…
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My daily profit and expense diary
I own various businesses some yield daily profit, right now I also trade the financial markets. I will be posting up my daily profits from trading, what expenses I have on that day whether it be rent or food. I will also update this with my SOA as soon as I complete it. I have small amount of debt which can be paid off…
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Advice with debt.
Hi, I was giving this website by a friend who said it was better to come here before taking on a DRO/IVA. I have minimal debt as such but substantial repayments. Due to a relationship breakdown I have been left with the household bills as well as debt. I was referred to a debt management adviser via the council but their…
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Phoenix Collections
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New Start - Step 1
First-time poster, Very nervous. My monthly outgoing debts payments are currently more than our mortgage and bills combined. Thankfully I managed to recently remortgage to repay my help to buy equity provider so that I now own 100% of my own home. I would like to be debt-free, certainly a long way down the road in two…
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Living the Goode life
Hi, welcome to my diary! I am a complete newbie to posting but have loved dabbling with MSE over the years. I am a complete contradiction , in that I love being frugal, (eye roll from family),and getting good deals etc but also love treats and travelling. I am trying, continuously, to find a balance but unsurprisingly,debt…
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Losing momentum as don't enjoy long term planning
Evening all :) Same as most first time posters on here, I've been a bit of a long term lurker! This time last year I had credit card and overdraft debts of just under £12,000, and a loan of £8,000 (ish). Today I have only credit cards totalling £7,800 and my loan is at £6,000. I've been leaving the loan with only the…
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New diary, last diary
I'm back! The one place I don't want to be saying that. I wish I could find sustainability when it comes to money management. Some people binge eat. I binge spend. I've been listening to Dave Ramsey and his audio book appeals a lot to me. I don't think I've ever changed my relationship with money and that's why I'm back…
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Starting my journey
I'm going to admit its a bit scary being in debt - feels like a ball and chain around my neck. Bit of background, I'm single and taking care of my mum who's 75 and suffers from schizophrenia and dementia. I pay her bills as well as mine. This past 2 months i've drained my savings and gone into debt paying her medical…
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Doing a dwp after accounts default and pass on to debt collectors?
Hello dear people, I've come across these forums after trying to do as much research as possible about my current situation. I feel so desperate. I lost my job in February which was a live in job and havnt been able to secure work up until now, during this time, even though I've been in contact with my creditors my…
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Happy future starts now!
Hello Everyone! :hello: I thought I would start a diary as I'm not sure what I'm doing with my life and need somewhere to track my adventure into becoming a debt free, home owner! I'm 36 years old and have no savings to speak of - I don't know how this has happened but I blame myself for spending to keep up with my friends…
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Overpaying as much as we can
So I started a DFD last year and didn't stick with it. Basically we bought a house in 2017 and it needed more work doing than expecting and we didn't have the savings we needed to do it so took out a loan and finance for windows and then my health got bad for a bit so I couldn't walk to a work so we got a car with some of…
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No-Spend-Tember
Hi everyone, I am returning to the world of being a Sensible Adult Human, I had my beautiful baby 19 months ago, and enjoyed a wonderful maternity leave with her. Since coming back to work, I have lost grip on my finances & it's time I got them sorted out once again. So, to kick off & get myself back into a better frame of…
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Old Hag Seeks Less Stress
Hi All :T Long time lurker, made an actual account here a few weeks ago, and after a few weeks of crazy spreadsheets I've decided to start a journal. Figured it would be fun to keep track, and hold myself accountable! I've been envious of some of the long running journals I follow on here and want to give it a try. My Mum…
