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“Let it go”, move on and start enjoying life
Hello there diarists, I’ve been a lurker on here for quite some time and been reading all about the determination many of you have shown in clearing your debts. I feel stuck and hopefully, some of the magic dust will rub off on me. My situation is a little bit different but I hope you will allow me to stay. My story…
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One small step for ME, one giant leap for the family!
Well having had a diary in my MSE past that got a bit off focus I've decided to start another one. The realisation that our personal debt history is now affecting how we grow our busness is hitting home. The business started as a bit of fun, registering just fulfilled the legal obligations to the government :cool:. Now its…
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Lions & Bears & Tigers..Oh My!
I've only gone and done it! I told myself I really need to do one of those debt diary thingies and..I have! So this is me.. I'm a 34 yr old mum of 2 with a lovely supportive husband :) Sadly I've been in debt since I can remember, probably way before my 9yr old was born. My goal.. I AM going to be debt free in 2 years -…
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Fatigued with trying to find the time to be a tight@r$e....
....basically what the title says...I'm very much time poor! I'm struggling to juggle work, chores, baby and family commitments all while trying to keep costs as low as possible and everything is swimming around my noggin so time to put pen to paper(so to speak) and empty my head, although some may question there was…
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Another goal made, another bill to clear!
After paying off 23K of debt 2 years ago,many lessons have been learnt never to be forgotten. Today was another day to clear out the cobwebs and look at current numbers and put a plan of action into place. In a nut shell, I may have cleared all my debt (took 2 years) but my credit score was blacker than black and as a…
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Arctic's roll to liquidity
Ey up all, Feel a bit silly having to make a diary to give myself a metaphorical kick up the a***, but having had about 5 'flickering candle moments' (i.e. LBMs on which I've acted for all of, oh, 3 weeks :o ), I think i might have finally had my LBM. It's all because of August. Well, actually, it's all because I am (WAS,…
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A new start?
Hi, I have posted a question in another forum about selling up and moving on to get a better paid job, in another part of the country. It seems it will not be as easy as I thought. My dilemma is do I sell my house, pay off my debts then get another mortgage(not easy) to buy a new house OR sell up pay off my debts and rent…
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3000 days
Ok - hello everyone and here goes :) This is my brand new diary, as I am about to embark on a DMP with Payplan. I have run a DMP previously with another company, but I made a right mess of it, so it was abandoned. I want to use this diary as a record of my journey through these 3000 days - good, bad and ugly. This is my…
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Essentially delicious ...
I have lurked around these threads for many a year, posting just occasionally. Inspiration, motivation and determination has often been found here. I was widowed 9 years ago and we, DD, DS and I have survived so far, but today reality has hit! I am going to have to move up a few gears if we are to continue to get by. I did…
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Time to get rid of this debt
Hi, Well i have spent the last few days going over my debts, and i need to get rid of them. So i have decided to start NOW. my LBM 23/11/10. I hope to be rid of them by 23/11/13 I am giving myself three years but will throw everything at them until there gone. I have been reading on here for a few weeks, and i dont feel so…
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HSBC will not answer me!!!
Hi All, can anyone tell me where/who to write to at HSBC to get proof of credit agreements (Overdraft,Personal Loan and Credit card) as I have sent 3 letters to my old branch and two letters to the solicitors whom are acting on behalf of HSBC? I sent £1 cheque to the solicitors after they told me they would send me the…
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A journey of 1,000 miles begins with a single step
A bit of background I left home in 2002 at 18 to move in with a friend when my mum decided to move to another county for work. I had no debts, quickly got a full time job and was completely stunned by my friend's spending habits - she ran up a £5,000 credit card bill in three months :eek: When her parents found out, they…
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Small debt, big weight on my mind!
Hi all, this seems like an amazing forum for advice and motivation to stay on track so I thought for those two reasons alone I'd sign on! I am a recently graduated student of a year, with £26,000+ or student debt, £450+ credit card debt and an overdraft that, although interest free, is usually maxed out every month to the…
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Time to change a habit of a lifetime. twirly's road to debt freedom
Hi all, I say lifetime, im only 20! So im counting since Ive had my job in 2007. Im at University, i did a foundation course last year and am starting my first year of my degree next month. I was stupid and maxed out my overdraft (£1000) last year, plus a student credit card (£350). I also previous to that ran up (through…
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4 Debts and a Wedding...
Well it probably wouldn't have sold so many cinema tickets as 4 weddings, but it's an apt description of my life at the moment :D I am K (the procastinater) :j and I am 26 years old, or thereabouts ;) and I have been a sneaker on these boards for blimming aaaages. So in good steading for the username, I gave it about a…
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To debt freedom and beyond!
**31 year old single girl embarks on journey to pay off debts, and buy a house. This diary is needed to keep me on the straight and narrow, as I have spent several years in the financial wilderness!** My light bulb moment was about 6 weeks ago. I came to this site, and got hooked reading through the DFW posts and diaries.…
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My Diary
Just signed up and here's my debts Vanquis £900.16 Aquacard £643.39 Loan £7500 Catalogues £1450 Family £2415 Overdraft £4500 Other Overdraft £13,370.01 Interest Free Loan £16,225.48 Total: £47,104.04
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Lost in the middle - getting organised and debt free
Story so far: 2000: Moved to UK, had well paid job but old personal loan, car loan and sky high rent. Met guy, got engaged. 2001: Moved together, gave up well paid job to something that I am passionate about but doesn’t pay. Despite huge pay cut tried to keep up with the life style of then OH. 2002: Gave up low paid job…
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dizzy lizzies Debt Free Diary
Ok, third time lucky. I have already submitted this twice and each time it says I'm not logged on so I will add to this if this time I'm successful!!! Here goes....
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5 months till I go back to work - want to save a cushion!
Hi everyone I've decided to start a diary in order to help me save a 'cushion' of money for when I go back to work after maternity leave. I don't actually know for sure that I am going back - I have my meeting in 2 weeks and have asked for reduced hours, but my company are making a lot of cutbacks so I'm hoping that they…