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Financial Freedom Frenzie
Hi, I've been a lurking for some time but have decided that I need to keep track of my progress! My darling Hubby died unexpectedly leaving me with 2 gorgeous children to support. I have no idea how I'll manage - but sincerely believe that I will. I must be debt free and live a life where I work when I need to. Despite the…
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Shy wants to be debt free! 2011 my year
Hi all So ive been reading the diaries here and find them really very inspirarional. Had my LBM in november last year and since then ive cleared £536 of debt as well as pay for xmas normally and not on credit. Feels great! :D So my debt as of today is £5116. Wow how did that happen. The reality is i dont have much toA show…
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Need suggession to solve my debts issue
HI EVERYONE I am jessi. Last week I got a letter from FREDRICKSON INTERNATIONAL LIMITED agency. The letter staes that" FREDRICKSON people are traced me and they found my address and asking to call back to them. I f I didnt call back they are ready to take action on me". In the last year NOVEMEBR I taken 5 contracts and…
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Finally knuckling down!
Hiya. I've decided to start this diary hopefully to keep reminding myself to really work on getting rid of our debt ( mainly credit cards, overdrafts & a loan ). I know this time it will work as I've finally got my fella on board :dance: I've got 2 credit cards totalling just over £6000 and an overdraft of £500 and my…
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deep breath! here goes...
Finally admitted today how bad the debt really is.. OH was shocked and angry. I don't understand how it's gotten so high! We are a big family, 4 children, I'm a stay at home mum and my OH works full time. The debts are mainly cards. We have a mortgage, but have never missed a payment on any of them, until yesterday. I…
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Marti's Diary
Hello all, Not as new as you may think, I've been secretly spying on you all for 4 years and thought it was about time I got my act together! So I decided to sign up and write a diary to get my debts down. The breakdown... Loan - £1393.50 H&M - £253.34 (my biggest downfall, why did someone have to tell me they let you pay…
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New start!
Soo... this looks like a good place to collect my ramblings. I don't expect anyone to read this because it's going to be incredibly boring (and probably quite whiny too!) but it's something I'd like to look back on in a year or two when I'm debt free, driving a shiny car and living in my mansion with a couple of rockstar…
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Olympic Dreams...
Hi all, If any of you have read my previous diary...I failed!...or at least I'm significantly off track! I think I was putting too much pressure on myself, trying to do it too quickly and most importantly not quite counting everything. So this time, It will be less specific. I figure that by July or August payday next year…
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Should I begin a debt management programme
Hi there I'm new to this site so bear with me. I have been struggling with debt for a while now and am seriously considering a DMP. I am worried that when my mortgage deal runs out in a years time that I will not be able to get a new deal. Does a DMP affect your credit rating badly. Any advice apreciated
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Debt free here I come!!!
Ok. Hear goes... I had my lightbulb moment today. I have debt and it needs to be cleared. No more burying my head in the sand. I’m 29 years old, still living at home and its time I moved out! I currently have 4 debts: Barclaycard £400 Virigin CC £400 Dad car £6000 Dad AAT £600 I was lucky enough for my Dad to lend me the…
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New beginnings...Down but not out!
Hi all, As the title says...I have had to change my username due to grief from certain family and friends and as such have been AWOL since June. I did run the £2 Savers Club thread before things ended up in the air, so I may have to update that. The debt has risen substantially so I need to get on track with that again and…
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Debt free today
I am debt free hurray!!:j It has taken me from April 2005 until this week. Have paid £34742.37 with the help of Payplan. I cannot believe that I am free of it all. I am especially to be soooo glad to not have to speak to Lloydtsb again, for me the worst bank out of all of them. I am jumping for joy, it has been a real…
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Take 2
Well I am back. I failed to stay out of debt during my first year as as student. On the plus side, months back I turned my La Redoute account to Cash only Account and on Monday I turned my £10,000 credit account with littlewoods into a Cash Only account, and the balance on it ws £0, though mate still owes me for her stuff,…
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***The A Fixed % of Money Left After Bills Goes On Debt Challenge***
Hi, **Changed as suggested so you choose your percentage** I notice a lot of the challenges revolve around values of money - the £10 a day, £2 savers, £20k, £10k etc. I know there are a lot of people (me included) who don't have that sort of money and those challenges can be quite tough. Welcome to the very long titled…
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Set sail on HMS DMP.....
Hi everyone, Very briefly here's my story... 32 years old with a decent job and no reason to be in lots of debt, but here I am with (at the worst) £53k of debt. I could try and make lots of excuses as to why I am in this situation but really I was just bad with money. I'd spend more than I earned pretty much every month,…
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Time to wake up and smell the coffee!
Hello everyone, I have been glued to the threads in here for the past month after I finally had my LBM! I was touched by the support and amazing advice and thought jotting down my problems may help me get through this. Since meeting my partner 10 years ago we have built on our uni debt ... living an amazing adventure of a…
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I am a Wannabe
hi all, thought I would give this a go as my head is about to explode with looking at my lists and writing everything over and over again!! I have eventually taken my head out the sand and realised that me and hubby are a wee bit in debt, I say wee I really mean huuuugggeee for the amount we have coming in! still trying to…
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Starting my journey
Hi I am new to this site have read loads of threads over the past month and just want to say thanks, it is all very inspiring and a big eye opener. I am wanting to start my own diary as a means of keeping my head clear so that I can focus on the debt busting and studying for my accountancy exams. My story is not very…
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I have done nothing yet but writting here is the only way that will make me do stg...
I am overwhelmed but not scared… I am worried but not sick yet... I hope people here take me seriously and don't judge me horribly, because I do that by myself pretty well. What I am not so capable of doing is motivating myself and tackling my debt... Strange enough, I am very good at motivating others. I know I am playing…
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Gambling: K9
Hi there I've had a quick look at this on the Internet and was looking for a little bit of advice - just one quick question, is it a "block everything dodgy or block nothing dodgy" thing or can I say block just gambling sites?