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My husband doesn't know all the truth...
Let me start by saying that I'm crap with money. Give me any amount and I'm going to spend it. I'm utterly reckless with it and I start to feel really bad about it. I honestly think I have a spending addiction. I'm also in debt. Some of it - the credit card and a buy now pay later my husband knows about, and I have a plan…
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2024 - The year to finally be debt free!
Hi I’ve never created a diary before but now I feel like I need to put things down in writing and see it all in black and white As the title suggests I want 2024 to finally be the year I become debt free! I’ve had some kind of debt my whole entire adult life and I need to finally get rid to then move on to the dream of…
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My debt-free journey diary
The realisation A while ago, I was diagnosed with ADHD and started medication. For the first time in years, I’ve been able to think clearly—and it’s been both a blessing and a wake-up call. With this fresh perspective, I realised what a pickle I have gotten myself into with debts, mainly on my credit card. Historical…
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Have grasped the nettle..........now to deal with the ensuing rash
Part many !! If you have just come to this diary please skip to post 1420 ish! Dont endure over 70 pages of my drivel. I have ridden the debt roller coaster for over 10 years.........had a hiccup but hopefully back to it now :) Part 9 !!!!!!! - when I question do I really need MSE anymore:o If you dont what to plough…
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Zero Balance Reboot: My Fresh Start to Financial Freedom... again!
Back in 2017, I wanted to be debt-free. I almost made a good start, but I didn't get there. Here I am to start again. I have a lot to do, but this is my first note to say this is my new start. After working really hard, by the end of 2019, I was almost debt-free. However, things changed; life threw me a dozy of life…
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A Change is Gonna Come.................
At the age of 41 I've come to the realisation that I've lived my life being a bit of a people pleaser and always putting others needs before my own. Today I've decided that it's time to put myself first and focus on my own health, wealth, future and happiness. This is my era and it's time to plan, focus and start smashing…
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Living on a fixed income in far north
I’ve lurked
for a long time before gathering enough courage to start this journal. Today
there is too much snow outside, and I’m tired at knitting long johns because
needles are tiny and it feels like it’s getting nowhere. Why I’m even doing
that? Well, I used to pursue FIRE diligently for a decade. I paid off my debts…
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My ADHD debt free diary 2025
Because of my ADHD I am statistically about 30% more likely to get into debt. Whilst this is itself makes me realise I am not alone it does not help with the constant battles I have with money. Impulse and bargain spending is a nightmare. Even today I have bought 4 loaves of bread in tramps corner (yellow sticker area) yet…
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To new beginnings
Hello everyone, I am starting this diary because I need to hold myself accountable for my spending and keep myself on track. I have had a hell of an (almost) 10 year marriage with an addict who hasn’t worked for 6 years now and has MH issues. He almost got himself into a better place beginning of this year but sunk back to…
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Fresh Diary for 2024!
Hey all who follow along! Here's my new diary for 2024; Last year my beginning debt stood at £295. But now starting 2024 it stand's at £1,104.65 as I lost control and stopped tracking. Here's to being debt free in 2024! My goals for this year - Get debt gone - Buy my house (75k so nice and cheap) - Meal plan/prep - Cut out…
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KMNs diary - curbing spending and maximising saving with a new baby
So maybe a bit random to have a diary when I'm not in debt, but I am about to start my maternity leave (at the end of the month) as we prepared to welcome our first child in early March. We are incredibly lucky to be quite comfortable, own our home (mortgaged) and both able to put some money in savings at the end of each…
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Defaults
Hi, I have fresh defaulted debts. I am taking the approach to ignore all letters, with no payment plan in place, until a court threat arrives. Surely, if logical serves me correct, if these letters never arrive, eventually discounted letters should start to arrive?
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CCA
Hi, I requested a CCA from a debt collector, and they obtained it from the original lender (seven years later). I was making £1 payments. I have a the letter of assignments, and the CCA which actually appears correct as completed by me as I signed it years ago. However, I never received a statement of account(s) as…
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-£40k... -£10k... -£5k... -£3.7k... -£2k to debt free to my first house!!!!!!!!!!
I’m hoping
this message is in the right place. About 2.5 years ago I got to the point where my debts had escalated to nearly
£40k :s , through a combination of high interest loans and credit card debt, across
11 or 12 different accounts. It was mostly built up through consistent overspending and a little gambling, in
a job…
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Freedom and Independence.
It’s been a long journey but this year I see the light at the end of the tunnel. After a toxic relationship I had gone from being 20k in savings to 20k in debt. I lost more than that though, I lost myself. I’m nearly back! 20 years later. This year I will be debt free. Have an emergency fund. And pots for savings,…
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TizerCat learns to stay debt free.
I am pleased to say that on 1st Jan 2025 I will be both debt and mortgage free. However, this is the second time I have been debt free, and last time I was back with £20k of debt within 5 years. This time I must learn to stay out of debt and to save as I only have 8 years until I retire.
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Scam email? Or legit?
Hi all! Does this look legit or a scam email? Thank you Good Afternoon, I trust this message finds you in good health. My name is John Maxwell, representing Money Wellness Group. I am writing to formally notify you of a matter of utmost importance. We have received a legal complaint on behalf of the following institutions:…
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lender has just stopped taking payments
Hi, One of my debts is with a company called Elfin Market. It's a peer to peer lender, and I owe them around £1500. I have a direct debit set up, however I have just realised that they have not taken any payments since August. The Diredt debit it still active. I have not received a single contact from them - no emails,…
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I’m taking control of my life, now.
Hello lovely MSE-ers!, :) I have been a user of this site for many years but created a new username on 3rd Jan because I had doubled the debt and I was so embarrassed! So here I am, £40k+ in debt. The reasons (excuses) are many and varied, so I won't dwell on the past. However, our current situation is good, good income,…
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2025 - A Year of Saying NO
I am £10,000.00 in debt and 33 pounds overweight and it stops right now!!!! No more, enough is enough. The tide has turned and money is going to start flowing back to me and fat will gently slide off my body, leaving the healthy, wealthy and wise woman that I am destined to be to emerge ...... the phoenix soars in 2025. It…
