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30 in age, 30 in debt
I’m creating a diary in the hopes I will realise my goal of being debt free and undo the mess made in my 20’s. I’m hoping to use this to keep me accountable and on track. I feel I’ve addressed most of the issues which led me to this point and now have a decent paying job (£35k ish) I’m determined to clear the majority of…
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New Year, New me
Over the last couple of years, I have got myself into a mess, but that is all about to change. I'm putting a plan in place to get me debt free - not sure how long it will take yet, have about £16k of debt to pay off.... even writing down the number makes me want to cry. But this is the year I get on top of it. I'm trying…
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Ding! Ding! All change, please... (now replaced with new diary on MFW)
Right – so it
feels like new diary time all over again. Many of you will recall I’ve been
here a while – initially legitimately as we were clearing debt (a loan, and
getting shot of a nasty habit of ending up in overdraft most months) then I
veered to MFW for a bit as we were clearing the mortgage, but I never quite
felt I…
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It's time to begin.....
So I'm 15 months in to my journey to becoming debt free and after reading loads of the diaries for inspiration across the last year and a bit, I've decided to start my own. I hugely messed up a few years ago by not saving up anything (putting no thought into anything) for my wedding or maternity leave and went into it with…
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A diary of clearing the credit card and gratitude
I’m really hoping this diary will help keep me accountable in clearing our credit card. The current balance is £4461.16 The credit limit is £4600 and every month on pay day I pay a few hundred off and by the end of the month I’ve maxed it out again. It has become like an overdraft facility and I really want to get rid of…
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Beating My Debt
Hello All - Short and sweet, creating a diary to keep track of debts following some very helpful advise in the Debt Free Wannabe section. Current Debt: PayPal Credit - £5780 Family - £4986 Lendable - £1445 Finio - £1312 118118 - £1285 Tech Finance - £700 Salary Finance - £564 Drafty - £545 Total - £16,617. Lord help me.…
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Complaint auto-rejected due to GPDR rules
Hi all, Has anyone had any experience of not being able to make a complaint about a mis-sold loan due to them not holding your data after 6 years? I made a lengthy complaint to Lending Stream last week regarding 7 payday loans that I strongly believe were mis-sold to me in 2013. I wrote to them explaining that they were…
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Busting debt with a boy plus twins
So it's been one of those months which has been a complete whirlwind with a seven year old and twin two year olds. Everything got so busy and then, all of a sudden, we were broke. I kept enough money in the account for the car payment, but had no choice but to use credit card to cover food. It was the rock bottom and I…
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Get to £0 and lifestyle change overall
So this is my second diary, but this time I will look to not only track by debt to the point its gone, but also make lifestyle changes, which I have been doing, but learning to be more consistent. As my first diary said, I have not been debt free since I was 18, I got to a point where I was just complaisant with having…
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Turning the page...
I've been putting off posting here for a while but have finally pulled myself together so here we go. I used to be a regular poster on here many, many years ago and managed to clear over £16k of debt on a relatively small income. I stayed DF for a long time afterwards but due to a few not so great years have found myself…
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Debt free March 2026
2 years and 7 months! I started 4 months ago and have cleared 12% of my debts. Debt free for me doesn't include the mortgage - that will be step 2 😜 credit cards is step 1 which is in progress. I downloaded 'debt payoff planner' (android app) in March and I really like it. It tells me how much to pay to each account every…
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From Fat to Fit by 50 (and debt free!)
***Door creaks open*** It has been a while, I was on here under a different username many years ago. I had trouble logging on when the migration to the new format happened and I constantly got thrown out. But a few years have now passed and any glitches I hope have now been sorted :) A bit about me - married mum of 2, been…
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Ongoing Journey to being a Frugalista..
So..ladies and gents...it may be time for a new diary. The recent changes to the site seem to have booted me out...and as this place is essential (nay, critical) to my ongoing attempt to be a true frugalista I need to keep the diary posting going....plus of course I'd miss everyone on here. You are all fab and the support…
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Debt, Depression and mentions of Divorce? Request for Financial Support & Advice on Debt Management
Introduction: Longtime follower and fan of MSE, particularly the Podcast. Despite years of effort, my wife and I are struggling to clear our debts. Our financial tensions have escalated recently, adding stress to our relationship, culminating in a distressing situation tonight where my wife expressed feelings of…
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Finally Debt Free in 2023
Hi everyone It’s been a while since I’ve been on this forum. I’ve been on here on and off for several years, but this coming year I am really determined to stick around and make a huge difference to my debts. For those that don’t know me, here’s a bit of background. I’m 41, live with my OH (been together nearly 22 years…
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Hope,Promise and Opportunity
Well I've been wanting to start a diary for ages and not got round to it! story of my life. Need to be braver in my actions in 2023. I love the song Brave by Ella Henderson. It's one of the current songs in body balance. I absolutely love body balance. Mindset also needs to change. Have been stumbling along recently. Me,…
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Living in the present for 2022
I'm starting a new diary for the coming year. I didn't use my last diary as much as I could have, but I'm hoping to change that this year because I need help to focus on things. I've realised that my coping mechanism for the last few years has been to spend most of my time making plans for the future, and thinking I'll…
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Clearing My Debt
Hello All! I would like to remain anonymous but I am starting my own diary to keep track of my debt clearing progress. I will not delve into too much detail as I am not sure it would be allowed, but since the age of 19 I got into a bad habit and managed to get myself into a considerable amount of debt. Fast forward five…
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Pay for the future and not the past
I have read so many diaries recently and having kept notes of my own, i felt instead somewhere to put my thoughts where they will stay, will support my idea of clearing my debt but more importantly keep me accountable doing so. So here is my Debt Free Wannabe Diary - Pay for the future and not the past. This statement is…
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Take 2, a shopaholics diary
its been a while but Im back. more in debt than ever which is frustrating but the past year has not been kind to our family and we have spent way more than than expected due to some things that have cropped up. husbands car got written off which was not ideal, nor is the fact that he went out and bought a replacement so we…
