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DebtDivorceDisaster
Hi! Here it is! My new diary to a new life! Any advice welcome! Though i am an avid reader of the forum so get the gist if what i need to do! Basically im a mum of three going through divorce and trying to get out of debt as quickly as possible so i can start sleep better at night and do life better. Due to to such a…
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Jazee's Diary
Hello to anyone who decides to read my diary. I'm starting this diary as I want to collect my thoughts in one place. I have unsuccessfully put posts on some other threads, and some have disappeared, so I assume that I've broken some rule or other and think that here I can't break my own rules. I have been in debt since…
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Wednesday wins!
I’m on the start of my journey, after realising I have a spending problem! I wanted to share a Wednesday win… I have a wedding coming up next month and the dress I did wear doesn’t fit 😞 it’s too late to return. Normally I would go out but anything brand new one but instead I’ve listed the “old” one on vinted, then when…
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Fakeaway! Fakeaway! Fakeaway!
Yesterday I made a huge step in admitting on this very forum i’m in debt and have a problem…. but I also have a solution and can be debt free in 2 years thanks to snowballing! I’m going to have to cut back “do I really need this”. So, Tuesday night is takeaway night at ours, rather than waste £40+ on a takeaway, I got…
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Young And Dumb
Hi :) So I feel a bit silly posting on here. I've seen a lot of people on here with higher debts and lower income, but mine was really stressing me out and it's taken a lot of hard work to build healthier financial habits. So: some background. I am 26 years old, and relatively newly single. I'd been tracking my bank…
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The Big Student Loan Smackdown 2023
Ever since I've got out of debt, I've been feeling a bit lacklustre with my finances. I did try to set up a diary a few years ago in order to keep me motivated to pay off the mortgage but it fell by the wayside and life got in the way. Increasing interest rates have prompted me to take a long hard look (a glare) at my…
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Ready to crush the debt- once and for all
Hi Everyone, new poster but I have been a long term lurker. I have decided to try keeping a diary to help keep me on track to smash all my debts. Currently I owe just under £35K spread between a low interest loan and a couple of credit cards (all 0%). I went off to university in 2004 with a bit of money in the bank, I had…
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One Bumpy Ride
A) get out of debt completly (ex mtg) B) Build up an Emergency fund C) To sort out Retirement D) To have money left over at the end of each month. I am mission ready... Just need to work out how to list my debts in the footer below :D
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Remortgage Situation advice
Hi everyone, I'll keep this as short and sweet(!) as i can - thanks for reading and any comforts spoken. All my family has moved up North and i'm with my fiance in Surrey. I bought a house last year in May (£322k) with a substantial deposit and my mortgage was approved by Nationwide, lending me £134000. My fiance doesn't…
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Small steps to deft freedom
Hello, Bit of background, we are in the horrible situation of being £52k in debt. I am going to self manage a DMP and am currently waiting for my accounts to default. Just had a look on my credit file and found that 3 out of 12 creditors have defaulted. I really want to pay everything back so am going to go down the DMP…
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Letting Agent Credit Check
Morning, I am about to apply for a rental property through a letting agent with my partner and I have a DMP with Payplan and two defaults showing on my account. I’ve been asked on the form to declare adverse credit/CCJ/IVA/Bankruptcy. My understanding is the check will not show defaults and I don’t have any of the others…
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24 months to debt freedom
Hello everyone! Long time lurker of the diaries here and loving the debt free progress people are making. I really need something to help me stay accountable and hope this is it! My true LBM is very recent but I’ve been dabbling around paying off debt for a while but just being a bit half hearted about it all. After all…
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Overdales solicitors warrant of control
Have received a letter from Overdales /Lowell. They have been instructed to apply for a warrant of control. They have said it will authorise Bailiffs to visit my home to recover the debt in full or taking control of my goods. I have to option to either make a one off payment for outstanding debt. Or I can make a payment…
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My introduction to my ten years of Debt.
I am a recovering gambling addict, and living my life outside my means for a few years, being oblivious to incomings and outgoings to an extent. Over last ten years managed to rack up 69k debt on credit cards, loans, car, holiday, new kitchen etc etc. I now have a DMP covering around 32k of the 69k debt. Which is a monthly…
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Debt free in three years
So the time has come to clear this persistent debt once and for all. I finish my course in late 2025 and really want to be debt free by then. I’ve always been an impulsive spender, especially things for the kids/days out/holidays etc, but feel I’ve finally turned a corner and my spending is much more under control. I now…
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Taking control after 4 years
Hi all, first post here and just looking to keep a log of paying down my debt until I get to 0! I'm 22, single, and got myself into about 5.5k worth of credit card and overdraft debt due to depression, furlough and bad money management. Until January this year I had no idea of my income vs outgoings which is absolutely…
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Reducing the Overwhelm and Digging Myself Out of This Rut!
I dabbled with a diary earlier in the year but didn’t give it the attention it deserved so consequently here I am months later in pretty much the same position. Time for take 2 and to try and get plans in place ahead of the start of 2023. So why am I here? I need to sort my life out! I’m fed up of going through the motions…
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Impulsive Spending… Make It Stop!
Hello! This is not my first diary, but hopefully it will be my last! I decided that a diary would be good to motivate me and stop me from spending so much money all the time! Here’s hoping :D I am in debt, but not crazy amounts. I have a loan balance of £5,998.05, a small balance on my Next account which will be paid off…
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Milann's life keeps getting in the way.......
Been on these forums for some time now...........good intentions of being debt free and at target weight keep coming .....and going......and life just keeps getting in the way!!! So it's time for a new diary to help keep me on track and push the excuses behind me and JUST DO IT.... My debt is down to £2,500 and if I'd have…
