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Getting Sorted -Will need your help :)
Well i am starting a new diary as i need a fresh start to all of my money sortings out! I owe a fair amount and we only have 1 income coming in. I have all of my benefits etc coming in but with all of the credit card repayments etc things are tight. We have already cut a lot of our budgets down considerably and are left…
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There are those that want it,there are those than wish it, and there are those.....
....who MAKE IT HAPPEN!! Unfortunately I represent the first two groups at the moment. I'm not a newbie as such, have been popping in and out of the money saving world for a few years now. But I have no staying power. Great intentions to start when there are easy ways to pay of debt (normally around pay day), but then when…
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Living for the weekend!
...in a good way! My debt is pretty much from lots of uncessary incidental spending. My downfalls with regard to spending are online shopping and buying food and drink after work on the way home that I don't need. So I'm going to leave my cards at home Monday - Friday so that I can't spend on them. I'll have the joint…
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My username is an anagram of MoneySavingExpert, I'm not a total weirdo, promise
Thought I'd jump on the diary band-wagon, in the hopes that forcing myself to 'check in' here will instil some sort of spending discipline in me (even if no one ends up reading it). Me and OH currently have a rather paltry £1,650 in savings, so first aim is to build this up to 3 month's worth of outgoings (a rather…
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Diary of a Poor Person aged 46 1/2
So I am sitting here when everyone else is sleeping and I am worrying about the rediculous state of our finances. Before i start listing our debt... yes i know its bad, yes we only have ourselves to blame, yes, we spent the money - no one else did. Yes, we dont know the value of money...
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2 jobs worn out debt free diary
Ive just found this forum and think it will help me stick to my savings and debt repayment plan. Debts: £6212 Egg cc 0% £3919 Santander 0% £2566 Virgin cc 15.9% First plus loan 20K student loans 12 K hubby 2 K me tax credit repayment (think Im going to end up owing £1600 for overpayment) So what am I doing? Ive budgeted…
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Nearly Debt Free, Just a Final Push!
Ok so I have been reading these boards for a long while, and now I think?! I finally have my debt under control I am brave enough to post myself! Sorry its a long one Basically I left school at 16 and got a job, money was a novelty! Each payday I would go shopping and then it would be a long wait for the next one to come…
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startagain, Starts Again....... Again
As they say, "Thanks for Looking" :) Let me introduce myself, I am startagain, a poster on these forums since 2008 when, what I considered to be horrendous debt (about 18k), led me to seek help on MSE, the CCCS and eventual bankruptcy. I am a middle aged, single (married and divorced twice) female who just refuses to grow…
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Start of my Debt free life.
I have been lurking for a while and reading some diarys. I have now come out of hiding. I have some serious personal debt which I am going to work out exactly later. I got in to this state due to being a 'yes' person. I can't say no when my OH wants to buy somehing or my grown-up son wants to 'borrow' money. And 3 years…
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Do you find the diaries help?
Hi, I'm just wondering how much you feel writing your diary helps - TBH I've never popped in here before as I just assumed that everyone wrote their own diary and .... I guess it just seems kind of too personal to look at anyone's diaries. However, I've been thinking that it may help - even to have a good rant to myself on…
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Diary of Kitleo a Debt Free Wannabe.....
Hi to All :wave: I have been a member of this site for several years - first started when I got my lightbulb moment :idea: realising that I had ordered some furniture from a catalogue to go in the newly decorated bedroom and that come the first payment I would not have enough money to pay for that and all the other things…
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Jo_R's debt-free diary, slow and steady progress!
Hi all! I have posted a handful of times recently about various debts I have, and received some very good advice. I am in the process of starting to implement some of the suggestions I have received, and wanted to start my own DFW diary, more for me but if anyone fancies a read then feel free! About me: aged early 30s…
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Double Trouble but twice as nice
This is my new shiny positive thread :j I am only going to post positive things :D I am 51 years young and in November I will have been married to a man I adore for 25 years:A I am no longer obese and by December I will be a healthy weight:) I have 4 wonderful much wanted much loved children two sets of twins and they are…
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Wigwams debt free journey - one card at a time!
Well here we go.... Have not been spending on CC's for some time but haven't been paying off the balance either Significant LBM came a few weeks ago when I checked my MBNA card for a balance (as didn't get paper statements) and realised that despite paying over 100 a month in minimum payments they were taking £5 off my…
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Reaching for the Moon
Hi Guys After a week of using this log in xLucyloux, I’ve managed to get my original log in to work!!!!! The thread I started was here So I’m back, embarrassed and ashamed of the state of things :o , but promising never to leave again. I’d decided in the height of depression that I didn’t ‘need’ this site anymore…
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Makeup decides to stop making it up as she goes along and actually have a budget
Hello All! Yet another shiny new 2011 diary. I've not really done a diary before but feel like I should dip my toe in the sea of diaries. I've been on MSE for a while and am a regular on various other folks diaries (big shout out to my SAID ladies (and gents)) About me, I'm 35, single and live in London. I work for local…
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Raquela's Diary
Hello everyone, I've been on here a while, but am a somewhat sporadic poster! I had my LBM years ago, but I think it was only a 40 watt bult, and a 160 watt was needed! I made the decision to go to university which added to my debt significantly, as a grad loan I got to pay for a professional course ended up being used to…
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little_h's big dreams :)
Hi everyone, I'm little_h (just gone back to my maiden name yippeeedoooo!) and here starts my diary as I try and get my finances back on track in 2010. My light bulb moment was on 30th October 2009 (reading a fantastic book called In the Red by Alexis Hall) and since then I have pulled my finger out and began sorting my…
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Peace of Mind - The hunt is on
Greetings to anybody on the other end of this thread! I'm hoping that keeping this diary will help me keep on track. I've been following the site and the forum for a few months now, and they have both given me a great deal of inspiration to tackle the dreaded debt. I can't pinpoint my LBM really, but there was definitely a…
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Newbie needs help battle with Lowells
Hi all, I'm new here so apologies first if I have posted in the wrong place...I've spent hours reading through some of the posts and have learnt alot. I've also used some of the template letters for my debt. Most things are being sorted out but I'm having problems with 3 mobile. I wondered if anyone could help. I wrote to…