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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…
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Link finance and Kearns solicitors
I have four debts that Link finance have been persuing for the past 10 years that amount to £27,000. I have made numerous offers to settle the debts for around 50% of the full amounts over the past 10 years but Link always demanded no less than 85%. So I have paid £1 per debt per month since 2014 as token payments until…
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Getting on track
Hi guys. I have finally decided that not only am I useless with money, but I can't try to go it alone any more and expect things to get better. I am seeking the advice of the MSE sages and looking to try get a hold of my finances. Could someone please point me in the right direction for how to get started, I assume by me…
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10,000 steps, 1 step at a time.
As always with the start of these, long time lurker, first
time sharer. This past year I’ve become very serious about my finances and it’s
paying dividends (excuse the pun!). The purpose of this post and blog is to
share my journey from the past year, what impact it has made, and be a record
going forward of what happens…
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Huge Ovo debt
Just before lockdown I answered the door to a caller who wanted me to save money by changing my energy providers I said I couldn’t as my bills were paid by fuel direct from my benefits as I have had mental health and mobility problems . She assured me everything would stay the same if I changed my mind I could go back to…
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Low Mood Highlander :(
I don't really know why, I posted in the main debt free wannabe forum. I am doing ok, gone down from £30,000 last September to £16,000. Unlikely to be able to be debt free by this time next year but you never know. Although I am budgeting for Xmas etc I know, due to all birthdays, car MOT and service and Xmas I will…
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Diary of a 30-something idiot
Hi everyone, I've been lurking on MSE for a LONG time desperately trying to ping my reluctant brain into some form of lightbulb mode. My life is imploding around me and my ADHD brain is constantly seeking dopamine and for years that has been through the form of impulse purchases, which obviously has caused me some huge…
