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Looking for some advice on finances
Hi, We are a couple in mid thirties looking to get a grip on our finances so welcome any advice. I often worry that we have too much unsecured debt and want to make a point of reducing that best we can but seeing some posts on here makes me feel a lot more fortunate than others. Few plus points in the coming months:- I'm…
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When you owe more than your annual net salary
Today I cried, so many, many times. The fabulous lady at Step Change, the lovely man at Step Change, the lovely man at Halifax, Barclaycard, Aqua, I cried because they were all so kind. So fabulously lovely and I never expected them to be nice I cried because it will take me 6yrs and 3 months to clear my debt on a DMP. I…
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Four years later
I follow this thread but my first post. Four years ago I owed £36000 to credit cards and the bank. I have a very good pension so never missed a payment. I decided after many years of debt this had to stop. My wife and I applied for and got 4 credit cards, up to 27 months no interest, I also got a low interest bank loan.…
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Few false starts but my journey starts here
Hi all, Long time reader of these forums but here I am posting my journey to become debt-free and set myself on the right path, I am hoping this post will give me accountability in that its the first time I have let the world know about my debt. As with most people, my debt accrued at a young age of which it escalated to a…
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Debt issues amongst others.
Hi my name is dave, I am currently working as a contractor in Germany for a while now and want to get back to the uk to my girlfriend. I have been in debt for over 10 years and pretty much all my adult life due to a gambling problem I have. I have addressed some of the problems which keep me in debt like not having access…
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Currently clueless...aiming for awareness
Hello! This is my introduction post, I guess. I've been a member of MSE since 2014 but very much a lurker. I've always been useless with self-control. I eat too much, I stay awake too much, I spend too much, I worry too much, I'm messy, I'm distractible. It's all becoming a bit overwhelming at the moment, I thought at 37 I…
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What a stupid idea that was.
Ok, so I will get myself out this in a few years, but what a stupid way of going about things and I really wouldn't recommend this! I paid for a property for cash, we were homeless and more than a little desperate ( no excuse really) but to do this I borrowed 25 thousand on short term borrowing, 2 ten grand loans and 5 on…
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New To Budgeting And Clearing my 3 credit cards debt
Hi all, I've been reading on and off for a while and I finally took the courage to open my own Debt Free Diary, to help keeping myself accountable. It feels good, as I finally have a plan, but it's going to be a tough couple of years. I purchased a flat in 2021, so I'm repaying my mortgage every month, and at the time,…
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Low (ish) debt but low income
Hi, new to the forum but hoping for some advice after burying my head for far too long about my debt due to low income and living beyond my means. To lay out the basics, I currently owe: Credit card 1.. £450.. monthly payment £28 Credit card 2.. £520.. monthly payment £33 credit card 3.. £800.. monthly payment £65 store…
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Debt free by 40
I have been binging on diaries in the last few weeks, I didn't read any books since and watched very little TV. I love all the life stories and I feel so inspired and impressed, seriously amazing people around here! A few I have been reading recently are @CRANKY40 @girlatplay @WinterWarrior @Debt_Me_Out_Of_Here @Naomim and…
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Watching my mindset shift and nudging it slightly along the way...
Hello everyone, Long time lurker, first time poster here. Having found so much inspiration from reading this forum over the years, on and off, I have finally decided to register properly and become a more active participant, and to start my own diary to keep myself accountable and focused on my journey towards financial…
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Facing reality
So I have been hovering round and reading diaries for last few weeks but finally decided it was time to bite the bullet and share my own story. I lost my mum in April 2018 very unexpectedly, 6 weeks after we had moved into our new jointly owned property, and it through my life and my finances upside down. We had to sell…
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MISSION POSSIBLE: Clear As Much Debt as I can in 11 Months
Hi everyone I'm back with a new diary, and this one has to stick. If you want to catch up with who I am and my story, I have (lots of) previous diaries you can look at. I won't bore you with my background here. The reason for the new diary and the new mission is that my landlady has decided to sell the home we've been…
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About lab diamond ring
How do you feel about lab diamonds? I want to buy a lab diamond ring. It's a very common theme right now. What do you think?
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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.…
