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Second Chances! Life in a Tourer
Not sure where to start, not even sure if I’m in the right board but here go’s Hi there, I’m here for a few reasons other than to be debt free, I had a diary on both this board and the mortgage free board many years ago and have been on MSE for 14 years!! As there has been a 6 year gap I thought I would start a fresh…
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Hiding debts from family, partner & spiralling - time for change!
I am hiding my debt and my money struggles from my family and boyfriend and while I don't have the courage to tell them right now what's going on, I hope this debt-free diary will help stop the spiralling and keep me focused on the plan! I've never been 'good with money'. My parents remind me of a holiday we went on when…
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Building Better Habits
Hi everyone, long time lurker and got some helpful advice from these boards back when I set up my DMP in 2019 (I wish I found this board sooner!). I came back recently because of some shenanigans from TSB and once again got great advice and decided I would set up a diary and tell my story, and also use this as a form of…
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time to face the music and get this debt dealt with once and for all
where to start? At the beginning I guess! last January, we had debts that we paid and it was fine but then out of the blue with no warning, my husband lost his job with one week's notice ( a self-employed contractor ) and the !!!!!! hit the fan. Luckily we had an excellent storecupboard and an emergency fund because as a…
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Anyone have any info on Gemphoria?
Hey there I'm helping someone out with some bills and spotted a number of transactions on their bank statements each month from a company called Gemphoria in Redditch. It seems unlikely that this person would be buying from them as they seem to be all online (which the individual isn't) but I didn't know if they had other…
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So what's next?
I have recently started to address my debt, it is definitely manageable at the minute but I have a lot of uncertainty regarding jobs at the minute and am due to be made redundant in September. I have figured out how I intend to proceed with repayments either way but feel like writing this diary will make me a bit better at…
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Finally facing my problems
hi, I've read a few diaries and now its time to start my own, mainly to keep me accountable i hope. Well where to start???? i finished a dmp in 2021 which were mainly all little depts to payday loans i had took out while i had a gambling problem. This time i want to do it myself. so when my dmp finished i got a credit…
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Baby steps all the way to Financial Freedom
Hello everyone, Welcome to my sparkling new diary for 2023. I have recently re-read The Total Money Makeover by Dave Ramsey (having only read part of it earlier this year) and have decided that despite the fact that its an American Finance book, it is an actual solid plan to become debt free and financially secure, and…
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Limping Along - Debt Free Diary
Well I had slightly hoped I would never be back here, but here we are. 2 years after my last diary I am back again! With debt! I've actually had a total of THREE diaries prior on here. All feel very much different part of my life. My first was when I had just graduated, earning a pittance and struggling to pay off an…
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Dolly's Diary
So this diary will help me with the following; - Becoming debt free for the last time! - Become mortgage free for the first and last time! - Stop relying on credit to get me through life - Have an emergency fund - Cancel all of my credit cards - Save for my OAP days I'm just sorting through the CC's and other debts that I…
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£29,303...Enough is enough!
So, I’ve had “lightbulb moments” before, but today I’ve reached breaking point. The realisation that we could lose everything, including a roof over the children’s heads, has slapped me in the face. From £4844 of debt 18 months ago, we are now at an all time high of £29,303. Yes, we have things to show for it. We’ve bought…
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A basic cordless phone..
My elderly mother struggles with technology - as do I! She needs a basic cordless phone so she can make and receive calls. If it could also store her ten most used numbers, that would be great (and a speaker phone feature would be a bonus. But that's all. Why is it so hard to find such a phone out there? Surely there must…
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Debt...
I owe sister - £3,323. Credit card - £3,553.36. PayPal credit - £647.27. I will be debt free after 2-3 years.
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Fit and debt free by 40ish
Hi everyone, I've been using the MSE site for years but only just discovered the forum a few months ago and have been very inspired reading some of the debt diaries here, so I thought I'd start my own. I've got a few debts that have built up over the years, due to a combination of taking out a few loans to fund the cost of…
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Three(ish!) years until I ditch the rat race?
I previously had a diary whilst getting out of debt but unfortunately I can't find it and I got locked out of my account when the forum changed over. I found the encouragement and accountability invaluable so I'm back again! In the next 3 to 5 years I want to move back up north and drop my hours (I'm currently working a 50…
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Everything's An Opportunity
Hello everyone :) I'm new to posting, but I have read the forums and the posts from you wonderful people for many years. I've recently had a bit of a wakeup call and thought a diary might do me some good, and maybe anyone else in a similar situation (that'd be great!). In September, my fiancé decided to leave after 10…
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Every debt this debt will go down
Hello all. Ive had a diary before and I think Ive done well so far but Im starting afresh. In my last diary I was all in a tizz about how to afford a particular thing. Ive done really well in a self managed dmp but recently have been dabbling in credit and it doesnt suit me. I survived a good couple of years without access…
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My brutally honest diary to myself
Hello my names oceans7 and I'm in debt :( As the title of my diary suggests for some reason that I cant fathom this Christmas has hit home to the level of my debt. I feel like I'm drowning in debt and am unsure of how to overcome it. The debts have been built up over the years by my irresponsible shopping habits and…
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I’m just a dreamer.
‘After all, there's only just the two of us And here we are, still fighting for our lives Watching all of history repeat itself Time after time’ Well, here we are folks, the road to financial recovery. I am a 25 year old male, and have had bad spending habits since I started working at 16. I have never budgeted properly,…
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My Diary v3.0
Hi All!! Well, here it is... "My Diary v3.0" My previous diaries (don't panic, there are only 2!) can be found here.... https://forums.moneysavingexpert.com/discussion/1303349= https://forums.moneysavingexpert.com/discussion/2961314 Today, my signature looks like this... LBM :idea:,- Wed 19th Nov 2008 ;)£19,225:mad: JAN…
