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Where am I going wrong?
OH gets paid weekly for 50 weeks of the year. Doesn't get paid for 2 weeks over Christmas. I have totalled our monthly direct debits, rounded them up, multiplied them by 12 and divided by 50. This month we didn't have enough to pay the direct debits. Where am I going wrong? I am awful at maths, truly awful.
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Given a Second Chance. My debt-free journey begins!
Hi All, A little back story about myself. I have been in overdraft debt for the best part of four years. Primarily it has been just down to the fact I have been irresponsible with my money and buying things I didn't need. Last year I rented my first place with my partner. We managed to scrape together a deposit and have…
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Making changes to become debt free
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Changing Bad Habits!
My debt doesnt seem that big compared to some, but for me, its more of my bad money habits that I need help with. I currently owe £2000 on my overdraft and credit card, which I should be free of by February, but my main issue is that I need to get better managing my money. Just come off a serious discussion with my husband…
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This feels like groundhog day!
So as you will see from my badges etc. There was a time (2 years ago) I was debt free. Despite that number on all of my CC statements, loans etc reaching 0. It turns out I didn't really deal with the fact that I am crap with money at all. I've lived in a bit of a bubble for two years. So much has changed since I was debt…
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'I will take control again/spending does not mean happiness/get real numpty' diary.
Well, my savings are almost gone.I've spend a hell of a lot of money recently on a variety of things.Now,i have to draw in the purse strings,budget like a mad woman and start saving again as much as possible. Today I spent almost 20 francs on groceries. Hopefully tomorrow will be an NSD. That's the plan anyway. I've sorted…
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Im gonna do it
So after a couple of years burying my head in the sand thinking it would all be OK in the end i have come to realise i need to get it together and man up. After managing to rack up just over £18k of debt with many a silly decisions mainly me and my wife thinking we could afford to rent a house that was well out of our…
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Making a better future for my son
Hey! :) I've been reading through a lot of diaries, challenges, money-saving threads etc for around two weeks and they've all really inspired me and brought on my LBM (I think!). I've made a very detailed plan of action to tackle all my debt and I think I could be done within a year but I just can't seem to get started -…
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Red's Road to be debt free
Well I have finally done it, I have started a diary and my road to be being debt free. I had my LBM a few months back, and its taken me till now to actually do something about it. I will sit down tonight and start a budget for Aug and to find out the true value of my debt, I know its in the region of about £10.000 on 4 CC.…
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6 years.....
....so my last private message says i've been here for 6 years. 6 years and i'm still in debt! seriously when will i learn my lesson????.....it has to be this time. this time last year i was out of debt and now i'm £14k in debt again. various reasons but nothing significant to show from it. i guess i'm just always trying…
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43k in debt at 23 years old.
After meeting my now husband in 2013, buying a house, having two beautiful children, getting married and a failed business venture we have officially wracked up an enormous 43707.76 in debt! We've eventually sat down and looked at our finances and was just wanting to hear your thoughts on how to move forward.... Income:…
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Brandysnap's diary
Hi everyone, I'm here again, I thought I was managing my finances quite well but lately my credit card bill has been increasing. I have been on secondment with my current employer for the last 18 months. although it was not a promotion, as such, I have gone onto shift work which has left me with extra money. That last time…
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Having that “light bulb” moment, a little thank u to MSE
Thought I’d post this as I’ve been viewing these forums for years getting advice but never posted, Bit of a background on my story to getting back on track I’ve always worked hard, I own my own house but also spent hard as well, about 5 years ago I split from my ex and kind of didn’t care any more, Also around that time, I…
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Missy, May and Roo Living on as little as possible!!
Ok thought I would start a new diary. A more positive diary focusing on what I need to, so please follow along. I would love to have you here! My story, recent marriage break down and change of career, house move etc etc! Have got plenty of debt Im trying to pay off each month. Im currently trying to sort out being self…
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You're in a rut you've got to get out of it
Started a diary ages ago,but it fell by the wayside. This is a new one. Hoping it will help me. Be warned it may contain worries and obsessions of mine. I tend to be an overthinker so may over analyse situations, Need to put things down to clear my head and make sense of things. Am hoping a diary will assist me to…
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Puddleduck's Adventures
Well hello there. Little background to my story. We have not been in debt for about 10 years. We saved and had a nice life. We decided to sell our home and buy an older house in a more rural area, this is where the problems started! All our savings and now our massive debt has all been to renovate this house. SO much more…
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PeakMum getting back on track
Hiya, I’m PeakMum! I’m 36 years old, married with 2 children (3 and 7) and have realised that some bad decisions over the last few years have left us with some debts to pay. Across 2 credit cards we have approx £8k debt. £6k of that is 0% until the end of 2019. I’ll get some proper figures and get a signature done over the…
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Escaping the chains
So im becoming the ripe age of 29 on Saturday and ive decided enough is enough. I wanna stop this debt before it grows like I know it so easily can. Ive paid off a 3k credit card before and if I can do that then i can do more! In Summary I have a total of £2970 from the date of this post. This is a combination of;…
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Getting out a hole
right, I think its time to admit it. I'm in debt, this is not through all my fault. My partner used my credit rating to take debt out and didn't pay it back. I am going to start off by saying that this is the start of my journey to be debt free (or at least more debt free than I already am) The amount I am in debt is…
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The light is well and truly on!'
Hi everyone, I've hesitated to start a diary but after reading quite a few diaries, I'm taking the plunge! I thought I'd start by telling you a little about myself and am planning to post a SOA later when we've had a chance to sit down and work it out :eek: So, I am Married with 4 daughter's aged 20, 17, 13 and 11. The…
