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Mini Debt Free Diary
Hello there! I am starting my journey to being debt free... I have a very small amount of debt compared to everyone on the site but I am only young (23) and only started using credit cards 9 months ago :( so I need to start changing my habits now as I feel like I'm getting into a constant spiral of debt.. I'm new to all…
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Debt getting smaller and smaller
Hi guys I am pleased to announce that I have paid off my motorbike finance which was on a HP contract. The company was rude to me when I tried to strick up a deal I asked them if they can remove some late charges but they refused. I got fed up and decided to pay the remaining amount. I have decided never ever to get a…
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A cup of tea & a budget please...
Having lurked on this area of the forum for quite a long time, reading along, and being inspired by many people here, I decided it was time to take the plunge and start my own DFD to help me be focused. It's just me - due to have a significant birthday in the next couple of months (beginning with a 5...) :eek:, 3 adult…
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Unsinkable
New diary, I have been thinking about it for a while now. I have been back almost a year give or take two weeks and boy what a year that has been, reading back over my old diary. The title of my new diary comes from a Lucy Spraggan song, which the lyrics fit the mood at the moment. Reflection on the past year: * Current…
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It's time to turn into a frugal Fred to get ready for retirement
Hi everybody 😃 I hope you don't mind but this diary is more for me to keep me on track but if you feel free to join in with my ramblings that would be lovely.😃 Well time is ticking by and we are not getting any younger so it's time to clear the debt and plan for our retirement. The government says 67 is both mine and OHs…
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Frugality on maternity leave
Ok, so I officially start maternity leave next Monday (I am currently off work but it's 2 weeks of annual leave which we are forced to take prior to starting maternity leave). Need to be more frugal. Will be paid full pay up to 20 Jan (which is pay day anyway). For Feb I should receive 2 weeks pay as is annual leave for…
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Here goes nothing
I've decided to take the plunge and admit that I have a problem with gambling. I've borrowed from various credit cards and loans. I've done so well for a year and royally ruined it this last week. I am a professional, a wife and a mother and this is all secret, debt included and if anyone ever found out I would be so…
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Capquest sending round the boys!!!
Today i received a letter saying a warrant of control has been asked to be issued by capquest regarding the amount of £1,937 which apparently ive owed since 2012 without me ever contacting them niether them making contact with me other than letters ive never admitted the debt or made any payments i have a pic of the letter…
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Oh my...
OK so had my light bulb moment about June 2018, I've paid my overdraft and a credit card off already :j but... Currys £400 10.9% CC1 £4400 4.9% CC2 £3500 24.9% CC3 £750 0% LOAN £8800 0% (On a payment plan) TOTAL £17850:eek: I'm trying not to panic but not doing a great job to be honest!!!! I've hovered around the MSE…
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Newbie debt free wannabe
Hi everyone, recently got engaged with a view of getting married in the next 3-4 years but myself and fianc! carry a fair bit of credit card. Here really for any general help,advice, hints and tips people can offer. We owe £8000 on a credit card and were looking to consolidate into a fixed monthly payment via a loan. Have…
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Quick question re: DMP
Hello Just a quick question as I am at work. Following advice decided against even looking at a loan. My question is, is it better for me to try and contact my creditors myself and speak to them regards payments and try and arrange a payment plan with them or is a DMP more appropriate as a debt advisor has more experience…
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Saving for a new leg!
I hope that title made you sit up! :) Having lurked on the Debt Free Diaries Forum for several years now, I have decided to start my own diary. A little bit about me … I have been a lower limb amputee for 40 years next year following a diagnosis of Osteosarcoma in 1979 (when I was 17 years old). My leg was amputated at the…
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Finding Strength and Balance
Hi guys I've been lurking on these boards for years and I think it's finally time I made myself accountable. I've been wanting to get rid of the debt for years but I didn't really do anything about it until last year. (I guess I just hoped it would disappear in a puff of smoke one day;)). Even now I haven't been very…
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Diary of a Twenty Something Shopaholic
Well here goes nothing! :wave: Firstly - I'm petrified. Like, really scared to post on here - I've been a stalker of the forums on MSE for a while and to be honest some of the comments are definitely more negative nellbob's than anything - so please, be gentle! I'm a Debt Free Wannabe, Wannabe if there is such a thing! I…
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Thistle grasps the nettle (again)!!
Afternoon everyone :wave:, I've been lurking around for a couple of weeks having migrated over from the MFW Diary forum after deciding that everyday debtbusting is a better focus for me right now. As my mum says..."Your mortgage will look after itself!" and she's right. I tried to remortgage to get a new deal but I can't…
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I want to be living my dreams... not stress out
Hi everybody, I have been reading the forum for a while now and want to take matters into my own hands financially to be able to stop worrying so much about money and be enjoying life a bit more... I have amassed a debt that is perhaps not that huge but the stress related to it and the fact that my money is not spent the…
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Losing control, time to take charge.
I had a diary that I last updated in December but life has changed a bit so thought I'd make a new diary. I've really been struggling with my mental health over the past few years and this has resulted in me gaining pounds on the scale and pounds of debt also! I hadn't quite realised how bad things have gotten over the 6…
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wrong section, will repost
wrong section, will repost
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£228,000 debt at the age of 23
My goal right now is to get out of this hole I'm in as soon as possible. Goal is eliminate all this debt by the end of 2018. I make good money but my expenses and my management of my resources has went out of control. So I am keeping this log to keep be accountable, hopefully some of you guys will comment and motivate me…
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Looking Forward
I joined the forum last month, and as we head into September I'm a month away from the first payment of my DMP being paid to StepChange. The diaries in here have been a great help for me, along with the main DFW board, so I decided to create my own as I'm going to be here a while! The basics: Just over £35k debt Just over…
