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2022 is a new start
Hi all, I’m 32 and live with my partner, no children yet. I have decided I need to start sorting out my finances so that I can get some savings together ready to have a baby hopefully in the next couple of years. Our mortgage fixed term also expires in May 2024 and as we have a HTB loan, we are hoping to remortgage to put…
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New way of life
Ok so I've been reading alot of diaries and decided it would be an idea to do my own to keep me focused and on track. We have currently remortgaged our house to consolidate debts, dh buying a new car and money towards an extension. This move was to take the burden off our current situation of paying over £1,000 a month…
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12 months of hard graft to become Debt-Free.
Hi All :smile: I'm new to the MSE forum and thought I'd start my diary to track my debt-free journey. I have a total of £11,324.37 debt that I want to pay off in the next 12 months. I have written a realistic budget, but still have no clue how I'm going to pay all of this debt off in just 12 months. £2.5k of that is…
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Overpayments on loan
Hello, Got a loan out from a high interest provider in Jan 21 for £5,000 for 3 yrs. Obviously they add the interest on at the beginning of the loan so I currently owe £6,087 and I have a settlement figure of £4893. I could probably pay it off in 5 months because there is a lot overtime at the moment and I could save £900 a…
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Digging My Way Out Of This Mess
Number of adults in household........... 2Number of children in household......... Number of cars owned.................... 1[b] Monthly Income Details[/b]Monthly income after tax................ 1950Partners monthly income after tax....... 0Benefits................................ 0Other income............................…
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My little lightbulb moment
Hello there!! So i've been stalking these forums for a while and after having my own light bulb moment last night I think its time that I made my own. I'd absolutely love to be posting on the mortgage free forum but for now I think I need to get everything else in orders especially now time are getting scarier. Here is a…
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Sewn's determined to do this........one final time
So......hello, I'm not new to these boards but haven't been here for about 10 years, so long that I've had to create a new profile. A bit of background, I came here about 15 years ago when we were heavily in debt, with young children, lost my mum and was in a job I hated, leaving that job meant a massive drop in income for…
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Daily steps towards my marathon goal!
Over the last few months I’ve finally come to the realisation there are no quick fixes to any of the ‘problems’ in my life. They didn’t occur overnight so I’ve been naive in thinking I can get myself out of them quickly. I’ve been in debt on and off (admittedly more on than off!) since I was 18. I’ve used overdrafts and…
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My diary for self-accountability
I am starting this diary to keep myself accountable in paying down my accrued debt from the past 2 years. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income…
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Debt free
Hi I’m starting this diary to keep me on track with my goal to be debt free. I’ve reduced my outgoings as much as possible and am working extra hours to clear the debt as soon as possible. I hope to have around £1000 a month to overpay. cc1 4083.25, monthly £102, 0% cc2 3507.96, monthly £35, 0% loan 20244, monthly £253,…
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Financially Astute Like Dwight Schrute!
Hi everyone! Years ago I had a debt free diary here - which is now long gone. I have been in and out of debt for years but my life really changed in 2019-2021 and now I'm working really hard towards my financial freedom. I have 2 credit card debts I am currently tackling, with one cleared. The debt was surgery for my…
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Becoming debt free within 18 months
Hello, Just an intro into me, i have tried many times but something happens as i give up. This time however i am not stopping. If i create a diary i will have to answer to myself. I am mid 30s with a partner who is studying and working part time and i work full time and study. We have a dd who is 10. I am going to try and…
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First step to no debt
I've been reading lots of threads on this forum and they have really inspired me. So, I'm taking the plunge after my debts spiralled out of control. Today, I'm taking charge. Here is my SOA [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b] Household Information[/b]Number of adults in…
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Trying to Hide a Secret £20,000 Debt is as Tricky As it Sounds! (:#)
Hi Fellow DFWs and Casual Lurkers with lots of advice! :D So, I'll try not to make this post too lengthily, but it's difficult to explain how I managed to wrack up £20,000 of debt (not including the car finance or mortgage). Long story short - I'm a nightmare with money. I'm such a general nightmare that at times in the…
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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
