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My debt free diet
I am writing this while i am work so i have things clear and i know why i need to do this i work in a toxic atmosphere and toxic workplace with a director who is always on my back about the most mundane things. It is getting me down and the only way i can see out of this is to become debt free and then i will have more…
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Becoming a Frugal Dougal
After nosing through a few of these threads with great interest, I have decided to create my own! Hopefully one day I will be able to look back and see how far hubby and I have come. And when I say Hubby, I mean mainly me. When we met, he lived in a house that he had saved a very large deposit for. He has always been good…
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Here we go!
Hello everyone, I’ve been lurking on here for quite a few months now and have finally built up the courage to start my own diary. I’m married to DH and we have 3 boys DS1, DS2 and DS3. My husband is incredibly generous and a natural spender, whereas I enjoy saving. We are in a large amount of debt, but determined to pay it…
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Finally becoming debt free after nearly 20 years
I’m starting a diary to try to keep myself accountable as I near the end of paying off debt and I’m terrified about slipping back into debt again. I’ve found reading other people’s journeys motivational and hope that writing my own will help me too. I’ve had various levels of debt since my first credit card with a £200…
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Balance transfers
I have done a balance transfer but still owe money on the card. The first amount was 5p so I just thought I’d not done the correct amount. Paid it and checked again now it says I still owe £35.63 which again I have paid. What’s going on, any ideas please
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Day Dreaming to Debt Freedom
Hi People! I've been on this forum for a small lifetime. Many false starts and half baked plans, you know the story! So I thought it was time for a new username and a fresh slate. After all, 2020 being the way it is.. might as well make my own rules? During the national lockdown, roughly 2 month in, Hubby was made…
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Elderbridge
Has anyone had any dealings with Elderbridge Financial, took over from First Plus. I am in debt management plan £37000 left to pay want to pay it off and Elderbridge want £60000 on top in historical interest. Just when finally I was debt free,, this happens such a low point in my life now .
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Chubby Keto lady working towards Debt Free and Healthy Frugal Life!
Hey there! I just logged into my account and found my old debt diary from 2015. I did pretty good and my last 2 ccj's disappear before the end of the year and let's face it 2020 has been poo and I think its time to focus on my finances again. Rereading it has inspired me to start 2021 afresh and to start now to get myself…
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Paying my car debt off...
Hi All I used to be a regular here in the forums when I first decided to pay my debts off. My circumstances have changed since those days, my DD has left home so it's just me and the cat in my rented property. I have paid my debts and was debt free for a couple of years. However, in July after months of toying with the…
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My Snowball Diary
Hoping this helps. Looking to pay off all my debts before I reach 50 All my accounts are set up on token payments with no interest or charges being incurred so will be hoping to make the token payments each week and if I can afford it paying extra too I am 50 in 480 weeks so have worked out I need to pay £23.04 each week…
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No way out of debt
Please help, I am feeling really really lost and overwhelmed. I made some really bad mistakes 6/7 years ago and I’m in such a mess as I buried my head about it. I have around £22,000 in unsecured debts, all with defaults. I earn £1200 a month and have a spare £37 a month after I’ve paid for my basics such as bills,…
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Progressive Progress
So ... I want to use this diary to track a few goals; the main one being to not spend £8000 of income over the coming months. Some of the £8000 will be used to repay some past overspending on a credit card and the rest will be stashed back away in savings under the heading of For When It's Needed to replenish the safety…
