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A Better Life.
I want a better life. I know with the crisis in the cost of living, the war in Ukraine, my mum's illness, the state of the government and the fact that it is winter it is probably the wrong time to start trying! but I am so tired of my life, I feel put upon and trapped but if we are being totally honest I do this to…
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Large renovation, tiny budget... lets go!
Welcome to my new diary! To set the scene: In the last 2 years we have slowly paid of just over £10,000 of CC debt and last August decided to take the plunge and move to our dream house. I call it our forever home, DH calls it the last but one forever home as he wants to be closer to the sea. We're a 10 minute drive! It's…
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I want to stop drowning
Hi, I am not sure where to start or what I want from this but here goes ... We are in major debt and things seem to be getting worse, I have been looking at this site for years and know there is no point me posting my soa as we literally can't cut back any more e.g food shop for fam of 5 £240- if you can help me reduce…
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Keeping the wolf from the door.
Well i've been missing for a few months so i've decided a new shinyndiary is needed, also the title of my last diary couldn't have been further from the truth (2020 a year to be mindful :D ). Life has been hectic the last few months, more hours at work, new puppy, DD starting uni but still living at home. DS past his…
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Debt Reset....
I'm sorry for stopping my other diary so suddenly. We applied for PIP for my son (the House Troll) and i expected to have a fight on my hands. The speed with which the DWP said "Yes, ok, here's your money" really threw me. They had a couple of phone chats with him to confirm a few things on the form that we filled in and…
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The Final Bite of the Cherry- Journey to Clear £66k
I have been here so many times, but I am determined to make this the last. This is not my first diary but the other attempts haven't worked so I've gone for a shiny new one. A bit of background. I have been in and out of debt most of my adult life. I was doing well staying out of debt until this summer when we completed on…
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Getting my sh*t together
I’m hoping that having a diary will keep me accountable. As it stands we don’t currently have any debt, however we move house on Friday and will be doubling the mortgage. I need to stay focus, while allowing us to have a life. It currently looks like there will be 3 of us living in the house full time and my step son at…
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Hugglemonster hits the debt hard!
I'm starting a new diary as I got fed up with myself looking back on the other one and doing well, then doing terribly, doing well and then doing terribly etc. Whilst there has been progress it certainly hasn't been enough and slipping into bad habits far too easily. I want to get rid of all the debt by Xmas 2020 it is…
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Not far off.....
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Should I sell my car to clear debt?
I have £1000 debt on an interest free credit card. I'm £200 overdrawn. WeBuyAnycar is offering me £9700 for my car, and its only got around £7000 left on its finance. Should I sell my car to clear my debt, and get a different car? I'm currently paying £220p/m on its finance. The thing is, I know cars have went up in price…
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Very long journey ahead, time for change is now
Hi everyone :smile: I've been away a long, long time and it certainly shows in my level of debt :disappointed: Made the decision to day to come back to forums to start a thread which will help keep me accountable. Very brief summary of us! Married, 4 kids (2 older, 1 lives with us) 2 dogs. Moved into forever home in 2022.…
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Going Debt Free With Salary Finance
Here we go on the journey to being debt free and being more senible with money. I previously had a salary finance loan of £3,000 to buy a new car and that has finished and they asked if wanted another... At same time my fluid card wanted £115 minimum payment for hitting £3,000 (active) with the APR at an eye watering 49.9%…
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Back For Good…Promise!!!!
Hi everyone My name’s Emz and I love starting new diaries and disappearing for months/years at a time!! 😂 Seriously though, we are heading into a bad time financially and I need somewhere to post, let off steam, get advice and feel generally motivated to get things in order and keep myself in check/on track. My landlady is…
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Combining 3 credit cards from the same issuer
I have three Virgin money credit cards, all with a zero balance, and all with different credit limits. For ease, I would like to combine the three cards, and their credit limits, into one card. I thought this would be possible. However, after speaking to Virgin Money on the phone, they have said they don't do this. Is this…
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Messed up again
Hey guys. I am so cross with myself, I have got myself out of debt so many times in the past, and yet again I find myself over £9k in debt at the age of 45. I haven't told my husband, we are only £6k away from paying off our mortgage and he's excited to start 2024 debt free. I need to get this sorted ASAP but need to do it…
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From broke to better ..a journey
Hi everyone. Well today is, as they say, the first day of the rest of my life. The first real day of my journey to get rid of debt. I am alone in this. No partner and no family for support so I am finding myself tearful and scared. I know noone here can hold my hand, but I've seen so much support on other people's diaries…
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2024 New Home New Goals
Hi everyone, as most people do I have started this thread to keep me accountable. After a messy divorce a few years ago I am just waiting to complete on a new property I have bought, just me, I have a partner but we live separately. At 56 its daunting taking a new mortgage but its affordable, more about the details later,…
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I did it 'My Way'. Went from debtor to doyen in under 12months...
Having had a major split up, I was left with about £9k of debt plus a constant struggle with mood and mortgage. Step 1: I tidied up Step 2: Went back to the gym. More steps tomorrow...
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Start of my debt free life diary/journey
Day one - Day after my dreaded phone call with SC to admit my faults at having taken on new debt whilst in a current DMP with them - admitting I messed up due to my uncontrollable spending habit & cost of living caused by my Mental health - depression/anxiety/ADHD. Determined more than ever to take responsibility after…
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how to beat the creditors,my method, thinking outside the box
myself and wife got into financial difficulties over the last 10 years, bought newish cars on credit, then only paid min on credit cards, then dipped into them. debts were £53,000 including cars. so in Dec 2021, we read about stepchange, we got a dmp immediately, we sold our cars and got some car equity and got one old…
