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Indigofire's get out of debt diary.
I went to HSBC to see about a new banking account and was dismayed to find that due to my dismal credit history I could only get there basic bank account. Which wouldnt help me what so ever. So I went to my actual bank and made an an appointment with there financial advisor so that I could see where they could help me. I…
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Minty's incredible disappearing £700 thread...
Morning all! Bright shiny new thread here, and I hope some of you will join me on my journey. So, I'm Minty, female, husband, two teenage girls, working part time. We have a problem though. I'm in charge of the money in our house, and it usually works quite well. We have a 'bill account' that we both pay money into and it…
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I have a confession...
Hi all I'm in debt, to the tune of £41k - phew, there, I just said it, wrote it and shared it. Today I have made the first positive decision in a long time. I have stopped ignoring it and I'm facing up to a tough few years as I strive to be debt free. So, what I have done to set off on a new path? Well, I'm talking to…
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The debt free journey of an easily distracted Moog
Hi All, I've decided to start a diary here to keep myself on track and focussed on my goals. Having spent a number of years blindly ignoring our debts and letting them run up to a situation where we spend virtually all of our salaries on essential bills and debt repayments. The most upsetting thing, is that we have nothing…
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The new word is NO!!!!
This is my new start, a completely new diary and a new start. The title says it all that's the word I find so hard to say. So I am going to say no to the following: Debt - Ok not huge but owe about £5000 DD - I have good days and bad days with this one but must say it more often Take-aways - Put on a load of weight and…
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Debs' debt-free dreams
Ok, a friend has convinced me this is the next step in sorting myself out. I'm new to this so any tips and pointers in what I should be writing/counting/doing are greatly appreciated! I've stopped with the blinkers this year so I am no longer racking up hundreds in bank charges all the time (um, every month) and have not…
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EH is Back - and going Onwards, and Upwards!
Hello! Been here before, but currently guilty of some shameful neglect and lack of focus, so first of all, apologies to all those whose threads I have been MIA from for a few months, I have no excuses! :o Right then, the reason for the return. I have somewhat unexpectedly found myself out of work. I won't go into the…
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Help in tightening the belt needed!
Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 597.5 Partners monthly income after tax....... 1057.64 Benefits................................ 81.2 Other…
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Week 2 - There's so much we can do.
Okay, week 2. I have been floundering a bit this week. I think this whole process would be much easier if I could have a clearer picture of what I've got, what I haven't got, what's coming in, what's going out and when. So I might have to pull my socks up and get to grips with this a bit. I did sign up to the £10 a day in…
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Get somewhere cheaper or stay where I am?
Currently I am living with my best friend. He charges £360 a month which includes (council tax, water, tv license, some heating and some food). He has been pretty supportive and awesome in my life. However I am only getting a shared housing benefit rate (also am having £20 a month taken off for an overpayment which I am…
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Council have sold my debt
My local council have sold my debt to a debt management company who have dooubled the balance due to court costs. I knew nothing about this, I had set up a plan by phone a month ago with the local council office. I was told whoever I spoke to failed to put notes on the system and they have no record of this conversation!…
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Down but not out- further adventures of the 'I want it now' thread
Due to popular demand ( from one person) and the fact that 2009 has been a rubbish year for most of the population on the 'I want it now ' thread I thought I would start us a new thread where only good things can happen....well we live in hope. If a clever person can put a link to the old thread I would be grateful! Anyone…
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DorsetGirl's Diary - Dreaming of Australia.
Hello everyone :) Having been reading alot of the diaries on this board over the last few weeks I really wanted to start my own because they seem to be a great motivating tool, and everyone seems to offer great support. I am a SAHM of 4 children age 10,7,4 and 2. Our dream is to spend the summer driving round Australia's…
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Time for change
I am pretty rubbish at managing my money. If I have it, I spend it. I don't have too much left on my credit card but I am ashamed to say its mainly the hangover from xmas which I am still paying off (in August!) I don't have any savings anymore (had several thousand at one point) and I am always overdrawn each month by…
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Help.
i've started a new diary but now i can't work out how to add to it. i'm usually quite good at things like this but am having a bit of a senior moment with this. can someone point me in the rightdirection please.
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Ok, it starts here
No histrionics, I need to get it sorted. I have credit card debts of £16000, a mortgage of £185,000 (interest only), a personal loan of £11,000 and an overdraft of £1200 (split over two banks. I bring in £2350 every 4 weeks plus family allowance and working tax credits totalling £172. I am lucky in the fact that I am able…
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I'm back - and I mean it this time!!!
Well hello there. Let me begin introducing myself. I am a reasonably bright, reasonably sensible girl who for reasons I cannot quite fathom, seem to have gotten into a bit of a financial pickle. I earn a good salary (some would say very good) but somehow, and I’m not quite sure how, the money seems to disappear before it…
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Mani Typhon Debt Diary
Hello Money Savers! I have finally had my light bulb moment! :D So, I have decided to help me on my route to a (hopefully) debt free existence I would keep a diary. I will be detailing all my financial transactions; every lesson that I learn and any tips that I come across. Hopefully this will be done in an articulate and…
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Max's Debt Free Diary.........
New day new debt free diary, I will try my best to update every day and every time i do good! I am mum of 3 growing boys with a partner and a full time job. Ive finally go the guts to write down everything I spend.
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Debts, House, Wedding.......
Another new diary from me :o (sorry!) I won't bore anyone with introductions :) Just feel like i'm starting a new and exciting chapter of my life so want to start afresh all round including my debt busting. Last year was an amazing year for me, we bought our first house and just before Christmas my OH shocked me by…