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Planning for the next chapter..............
I’m a long time lurker on here, and have used the tips
picked up from other people to pay off about £20K of debt. I have just under
£600 left to HMRC which will be paid off soon. I’m sneaking on now while I
still have a debt but I’m planning the next stage of life which will involve
saving a large sum! I’m no longer a DFW…
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Reducing Debt, Saving for that Rainy Day
Facing up to the facts that unfortunately all my overspending here and there for a few years now has got me to the point where my debt has accumulated to 20k !! I am horrified, I didn't even think I had spent that much and particularly because I don't really have anything to show for it either! I have definitely had my…
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In a pickle
Oh I seem to have got myself in a bit of a pickle. I’ve started a new business, I love it, I’m recently self employed. I’m paying myself a small wage every week currently until it builds slightly £100 a week. I took out a credit card to purchase initial stock required (£2k) My mortgage is increasing by £260 a month from…
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Ditching the Debt
Hello everyone, I'm a new poster but have been lurking for a while since discovering the forum. I've been reading some of your Debt Free Diaries and felt inspired to start my own for accountability. I'll be turning 40 in two and a half years and I've chosen this milestone as my (possibly too ambitious!) target debt-free…
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Chapter Almost 40
Hello to anyone who's dropping in... I'm almost 40, a single mum on a pretty low income, doing my very best to stay afloat. Juggling trying to get by, get paid, create a fun life for my boy, create memories, have a social life & not start every week in my over draft,,, it's all good fun right? :D The COL crisis has…
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20K to Debt Free by June - Finally Debt Free 27/06/23
DECEMBER 2022 UPDATE - £10,551.67 DEBT PAID Previously 20K to Debt Free by 2024 (Month 13/24) Now 20K to Debt Free by June 2023 (Month 13/19) I've come to realise that it's been a full 12-months since I commenced my debt-free diary. I've decided for that reason to write up a bit of a comparison / progress report based on…
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Time to move forward……
I’ve just unearthed my much neglected previous diaries on here and it’s really depressing to see that nothing much has changed and I still have the same gripes and moans and have never really progressed with moving forward with my life. Whilst I’m still early 20’s in my head the reality is I’m early 40’s and time certainly…
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'Shoot for the moon' - MoonSeer's Debt Free Journey
This year has been a rollercoaster already and I am desperately trying to stay on track. Life has an annoying habit of shooting curveballs that blindside us so I figured I am going to take things at my own pace and keep working toward my goals. Joining the forum and starting my debt free diary is really a first step toward…
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Pinching Pennies
Hi everyone I have been reading through a few blogs on here so thought I’d take the plunge and hold myself accountable! A few things before I begin this blog: I’m a student. I get a maintenance loan and work part time, so times are a little hard during term time. I can work full time during the summer months but this year…
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Paying the Present, Funding the Future
HI I used to have a diary a long time back but life overtook me and it closed when the MSE site changed. My debt is marginal and manageable at the moment (thankfully) but now's the time I really need to focus on all things finances as, like everyone else, the cost of living is constantly changing - and biting. At the same…
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Picking up (not quite) where I left off
Ok, so rewind a couple of years and my balance on loans and cc's was £31,746 Not much has happened since then, a pandemic or something like that, nothing out the ordinary really! Fast forward to the middle of 2021 and I'm still paying it off. I'm just about to make an overpayment on a loan which should be clear as of…
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Small Steps Out Of Massive Debt!
Hi Everyone, I'm so glad that I've found this website because I really need to get serious and DO SOMETHING about my debts. I thought that keeping a diary on this forum would keep me accountable. I have taken stock and I have over £35,000 of personal debt on loans and credit cards, which does not include my Student Loan…
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5,000 miles and even more pounds
I'm paying off my debt whilst living abroad. I thought a diary might help me enjoy my achievements! Starting situation (March) * 20k debt on credit cards, on an average APR of 30% * Monthly income of GBP2400 Situation now (August) * 14k on credit card (probably a bit over that), and slight salary increase to 2600 having:…
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Scarlett's New Start - saving the pennies and planning a new life for myself!
New username and new start for me :) I was on these boards many years ago when I had a mountain of debt :/ and it was massively helpful - thankfully I have mainly cleared the debt, BUT I'm facing up to the fact that I need to also save a massive chunk out of a small income... My background: went on maternity leave 8 years…
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Debt
I have been a lucker for a while no place to turn and no one to talk to so here’s my story. i have always worked part time as a single parent and fulltime carer to parents. Parents have passed and finally got a job that’s more hours and better pay it’s weekly pay though and find it hard to pay monthly bills on weekly wages…
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Sorting out the mess 'past me' got me in to, for a happier 'future me'
Hi everyone, So where to start?! At the beginning, I suppose... OK, so problem with money and debt is down to: 1) I am a people pleaser, so I say yes to everything 2) I struggle with the 'fear of missing out' (hence the username) and this leads to a lot of overspending on a meals, drinks, holiday with friends etc when I…
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I want to be in control of my life
Hi All, I really want to get control of my finances and hopefully that gives me control of my life. I've always had a good job since I was 16 and have never had any real money issues but I've also never saved any money unless it was 'for' something (House deposit, renovations, fixtures and fittings etc). I've recently…
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10 years to 40
Deleted as starting new diary
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After years of debt journey through my sensible 40s... and save a deposit for a house
Decided to start my own diary after reading many others. This is to keep me accountable in continuing to save and not return to my old careless ways. In my early 20s I racked up loads of debt because I couldn’t live with my parents and my low income meant it difficult to rent and survive on my wages so I supplemented my…
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When I grow up
I've just turned 44 and I'm still unsure as to what I will be when I'm an adult. Anyone else still feel this way? What I do know though, is I would like this year to be the one where I'm free of debt and actually paying for things up front. My debt isn't huge, currently £4000 roughly on credit card, and regularly using…
