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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…
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Ready For My Fresh Start
Hello to anyone that reads this! Today has been an exhausting day of talking to debt agencies and directly with some companies who still own the debts (which the thought of caused me no end of anxiety) so I thought I'd finish off my day of 'bravery' by finally signing up to this forum. So... fresh start. Pending all the…
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Debt clearing and saving so I can retire (soon!)
Hello, I haven't been around here for a while, but thought I would start a nice, new diary for my journey into retirement. I'm dreaming of moving to the seaside and starting the day with a walk along the seafront. I'm not in a good financial position to do this - too many bad decisions along the way, but there must be a…
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My debt free diary.. 15 years later
As the title suggests, I've been here before. I managed to find my original diary from 2008 as I could remember my user name but couldn't recover my account 😔 https://forums.moneysavingexpert.com/discussion/799711/my-debt-free-diary/p1 So I've managed to go back around in circles and end up back where I started with…
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181k in Debt - Need Help
So, I guess this is the start of my debt free diary..... Oh boy, I just worked out my debts and I cannot believe how much I owe. I bought a house within the last 6 months, I've done the house up and it's now worth £65,000 more than we paid for it. The plan is (and always has been) to do the house up and remortgage in 12…
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Life is a journey to be experienced, not a problem to be solved…
Hi all, F26 Finally facing up to a situation that’s been getting rapidly worse since I was 18. Fed up of feeling self loathing, judgement for myself and full on misery. Struggles with gambling addiction (in recovery), payday loans, cost of living, mental health struggles, financially supporting an out of work (now ex)…
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Oh pants I messed up BIG!!!
Ok so I have been lurking in a major way for the last 2 weeks after having my lightbulb moment. I have had a pretty rough 2 months and lost both of my bears (labradors) in quick succession (they were both very old for labs) and then I had a minor breakdown over everything and my finances came bubbling out to my OH after…
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Accountability Queen
Hello everyone :) I've had a couple of years of big expenses, some expected and some not. Our house desperately needed new windows and then earlier this year mine and my husbands cars needed work doing unexpectedly, I actually had to replace my car in the end. We have a holiday booked for summer which was booked a long…
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On the path to financial security
Hello! I’ve struggled with money management for around 10 years, ever since I left home aged 15. I’m in around £10,000 of debt from credit cards, store catalogues and unpaid bills (not through being unable to afford them, just through becoming very overwhelmed and avoiding the issue). I’m in a much better place mentally…
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Cleared - Fresh Start
Cleared - New Diary Started
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Advice Please
Good Evening People! I don’t know how to start but here goes. I have always had debts but have always managed to stay on top of them until recently. I have 8.5K with Barclaycard these being multiple balance transfers paying £400 a month but due to be charged more interest as coming to the end of my 0% offer. I have 3.5k…
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Debt a day
Hi all I did this many moons ago and it just helped massively to see the figures going down, I've got back into trouble again so I need to make a concerted effort this year so here goes: MBNA credit card 0% for 12 months- £7,941.87 Tesco loan 7.5% - £13,193.56 (40 months left) Total: £21,135.43 I have already paid off…
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The Challenges Of Finding Solitary Refinement ..
https://forums.moneysavingexpert.com/discussion/6086376/system-failure After taking the biggest gamble of my life 5 years ago I now have major hurdles and obstacles to overcome once again. While being last to leave in good company, I prefer being on my own which is somewhat more of a challenge imho as there is mostly only…
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Mortgage Holiday
Sorry but back again (twice in 2 days), What do people think about enquiring about a mortgage break - should I/us feel embarrassed if we do?
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Muddling millennial - can’t keep on this way
Today is probably the 5000th time of sitting with my laptop and notebook while I’m home alone and going through all of my finances to see if I can do anything to make it just a little bit more bearable. I’m 30 now, but this is all started when I turned 18 and got my first job in a bank. Ironically, this is probably the…
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Dolly's Surviving to Thriving...............
I know, I knowwwwwwwwwwwwww - I've had many many diaries before but it's a new year and I want a fresh start with new goals! 2024 Pay off all unsecured debt Close credit card accounts Make 2 mortgage overpayments Restart LISA Save for Christmas 2024 2025 Make 10 mortgage overpayments Re-mortgage Add savings to LISA Save…
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Not my debt but is in my name
I am being pursued by Lowell Debt collection Agency for a CCJ which is in my name but not my address… original debt was T-mobile, which I reported to Action Fraud in 2015, as it’s not my debt, apparently the CCJ was made in 2013 …. I was only made aware of this CCJ in February via Lowell as they bought the debt, I have…
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Well, here I go again...
Well, here I go again. Maybe we can get to the end of this diary actually out of debt and not just because I've forgot to post on it and it's lost somewhere. March 22 was the last time I updated my last diary.There's still a few diaries about with names I recognise. I need to check what we owe to get accurate amounts as we…
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Obtaining a Credit Card
Morning All, I hope all are ok, I've not been about for ages but have a question please, hope it's a simple one? Is there a chance of me being able to get a credit card whilst on a DMP? x
