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2024: Paying the Present, Funding the Future
Hi I've been around the DFW boards and the MFW boards for a long time - I started a diary previously but didn't keep up :( At that time, the debt was minimal and manageable. Now it's 2024, the debt has increased and we have lots of changes coming up this year, including a house project and a major income change (OH…
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My husband doesn't know...
Ok, I'm glad I got your attention. Unfortunately it is true. My lovely husband doesn't know about my credit card debt, and at the minute telling him just isn't an option. I'm very open with him on everything else in life - I'm just too embarrassed to tell him about this. So please don't give me any marriage advice. I am…
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Urgent debt help
Hi my debt is spiralling out of control I’ve sat down and wrote all bills and debts (what I’ve put off for months) kept spending on credit cards now I’ve sat and calculated everything and I seem to be spending more than we are earning credit card bill a month is crazy and can’t afford it. got 4 loans some finish in 3yrs, 3…
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Asset Rich, Cash Poor - Me vs £130k debt mountain
Hi, Thought I'll
share my story. It is not a typical story here in this forum. I used to be quite
well-off. As the things stand on 25/03/2023, I own a house now worth £360-380k (had inheritance,
and the mortgage associated with it is just £72k now), a fully paid off Mercedes E-class with advanced engine (still worth about…
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New fresh diary for 2023!
New year means a new fresh diary! So, going back to when it joined the forum until now; January 11th 2021 Debt - diary said 5k, but was 6k. Was this my lightbulb moment, no. Was I accountable for myself being in debt, not really. October started a second job at Sainsburys along side my full time job. Extra money towards…
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16 Months until I turn 40! Forever Home Required
Hellooooo.....long term stalker of many diaries on here. Decided to start logging my journey on here, for advice, tips and to keep myself accountable for where the moneys goes...I'm a terrible saver and spend unnecessarily a lot :naughty: Long story short...or ill at least try! I have had unsecured debt for a long time,…
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<<<out of cheese error>>>
New name, new diary, new approach! I regularly read, and sometimes post, on the diaries of others but haven't started one myself as it is such a public thing to do. Anyway I need to stop drifting and get our finances back on track before we run out of cheese. Family is: Me - PT, self employed, bit of this bit of that.…
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My journey to a debt free life
Well I’ve been reading everyone’s diary’s and thought it’s such a good idea I would start one myself,I’m hoping to use it as a way to record my journey to freedom from debt and also to have somewhere to come and just offload stuff My financial meltdown happened two weeks ago when I realised I just can’t afford to pay my…
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My DFW to DF Diary
I'm 40 now and honestly I'm so mad at myself for getting back into this position. It's time for me to get my act together. I don't want to be 50, 60, 70 and still be this stupid with money. I can and will be debt free. Is it going to be easy - no. Is it going to be worth it - YES! I am recently single and live with my 2…
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To pay off or wait for 6years to up?
Circumstance have improved in the last 5years, I’ve not taken out any new debt and in the last 5years, all my bills are paid and planned, In the last couple of years I’ve actually been able to start saving a little. I can see a future. I’ve applied for all of my credit files, wanting to see what I need to pay off and deal…
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Journalling my way to a debt-free future
Hi, I need your help.....I have made a decision, after years of mounting debts and financial struggles, I have to change what I'm doing. I want to be accountable, so I am going to use this platform to document my journey and learn from you all! I am determined to do this- future me deserves to benefit from a life of hard…
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Abba1772's Debt Free Diary
hi everyone New on here not new to debt :o was married for 10 years and we seperated so i took any debt that was in my name and he took his debt By OMG what a mess got my credit card statement in and it was for £6000 and this was may last year :( but i've ploughed extra money into this credit card every month and i'm…
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Ugly Debt Needs To Go
Hi, I am a long term viewer of this site but it is now time for me to jump in with a diary and start to pay down this ugly debt that has been hanging around us. Unfortunately in August I had to reduce my hours at work due to ill health. Finally I have a diagnosis but it is going to take sometime to get back to good health…
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Milann’s quest for a new me in 23
I’ve been on the boards now for quite a while now. I’ve been debt free for a few years but it’s been a struggle staying that way sometimes and would have been easy to fall back into not paying the cc off in full each month. My LBM was 17 years ago today when I was rushed into hospital with a perforated bowel. In my more…
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Finally making a dent in the debt
April 2022 was my LBM when I calculated that my debt had grown to a whopping £50k. Fifty thousand pounds. Even saying it out loud now makes me feel sick. But I spoke to Stepchange who set up a DMP and since May 2022 I've paid off over £9k. It's not been without its issues - I'd forgotten how rough it is when the calls and…
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2024 – New Year, New Me
Hi Everyone, Thought I would start a diary as I start my DMP journey. A bit of background: We both had full time well paid job and although we were probably living a little above our means even back then, we were paying more than minimum off everything and had lots of available credit and new offers continually, so just…
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As one chapter ends another begins
So, my debt free chapter begins. On 1st November, I became debt free :) , which is something I have dreamed of for the longest time. I have spent all of my adult life in debt and the amount have varied considerably over the years, in January 2020 I owed £15,940.10. I did give myself until my 55th birthday to pay all the…
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Irresponsible spending resulting in £21k debt at 24
I have been reading debt diaries which has helped me to realise my spending problem is out of control. I am 24 and have been struggling with debt since 2020 and have created a debt problem of just shy of £21,000 which is just disgusting, I have been so ashamed and really need to stop this spending to make me feel good…
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A new start for an old girl!
Well, it's been a while since I was here - I've set up a new profile as my old one was compromised some years ago but I've been an avid MSE'r for maybe 20 years! Here's the start of my diary to make me more accountable! I am almost divorced, my two children live with me 50% of the time and I've just moved into a new place…
