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13 Moons ... ( *** Off, I'm Fabulous )
:hello: Beautiful People & welcome to the [STRIKE]next [/STRIKE] ahem, final chapter in the mighty long & rather winding road I'm dragging myself along towards the wondrous realms of 'Debt Freedom'. I believe that 'Debt Freedom' is a magical, happy place where I & everyone else here truly belongs & that one day we will all…
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I've messed up again! Its the story of me!
Hi everyone, If you read my diary before then you will know that I was dealing with my financial issues however I had a couple of days away from the computer and took a turn for the worst! Financially! I failed! And boy do I feel bad! I feel like I have let everything down, I feel like I have gone back to my old ways and…
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30 years and £30k , making sure its not 40 and £40k
Hi have been lurking for a while and decided its about time I joined in. so I guess i've had my LBM. I have a lovely husband and 3 beautiful children! BUT i also have £ 30814.07 :( i've just returned to work after my maternity leave and have decided to use this fresh start to also make a fresh start with money. The first…
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SazM's loan busting mission
Ok, after busting my overdraft I thought I'd have a blast at the loan. We took out a £20000 loan in January 2007 (LBM followed shortly afterwards!) Payments are £229.46 each month, and there are now 8 years left on the loan. What we could do with an extra £229.46 a month! So, I have an offset mortgage with a connected…
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Today, is a new day, and start of our journey
I know many people have done this, and many have succeeded, and I hope to follow in their footsteps. I posted on here about our debts, and seeing it in black and white, seeing how much better off we would be if we were not up to our eyeballs in debt (and truth be known, I really dont know how we got into this mess)…
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advice please
hi all , you have all been asked these questions before i should imagine between us my wife and i earn £2300 a month , we have a mortage of £8500 (£527 a month) credit cards of £7500(£250 a month) personnal loan of £16500(£ 384 a month) and an overdraft of £3200 my account is the most overdrawn £2400 each month my wage is…
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Get Tink out of trouble 2011!!
Ok i have decided i shall start my diary after reading loads of great stories and having some great support after only recently joining this site. I had my LB moment on 01.02.11 and ill not lie i felt physically sick and massively ashamed of the situation i have allowed myself to get in. Im 25 and live with my DH and DD…
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The Rise after my fall into Debt by LAM2011
DFW Log 1 Jan 2011 Hi, Been summing up the courage to make this public but I need to follow through what I have started and by doing this I will be able to track it. Loved watching Martin on the telly and often use the sight for various info and last Sunday 16 Jan I spotted the ‘Forum’ tab and well the rest is history. I…
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From debt to peace
Hi everyone. I'm starting this diary, because it's great to share goals and stay motivated. I've been in debt for a long time. I was in and out of work and never cleared what I accumulated as a naive student. I had a period of bad mental health which got much better a year or so ago, and was left with most of my accounts…
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Wake-up Call Challenge
There are a few of us who need a proverbial kick up the nether - we need a wake-up call and that is what this challenge is all about. Not just getting finances sorted (although that is a major part), but other areas of our lives as well. So who is up for the challenge? Helpful links ahead!…
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More life in a tramps vest new diary
Never done a diary before so here goes......... Reason I am doing one is last yr in Jan 2010 my debt stood at 11,053.09 and this Jan 2011 was the grand total of 11,209.80. So this is to prompt me into some sort of action and bore you lot to tears. Balance should be 10,607.23 end this month - having done balance tfs. This…
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Stop it and Tidy up.. if possible
Well i've been a bit of a lurker, but finally decided to bite the bullet after a bad week/month/things never seem to get better. A bit about me: Am 26 and moved in with my lovely OH March this year. Graduated from University in 2007 and that seems to be where everything started to go wrong. Living off the overdraft for 4…
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My little story...
Well a fewyears ago I managed to get myself into approx 10k of debt through unnecessary spending, I literally have nothing to show for my money. There were credit cards, store cards, loans and an overdraft. Through keeping up on my payments (most of the time) I am down to: Barclays Overdraft: £1450 Capital One CC: £1481…
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Gettingbackontrack's getting back on track
Hi all I've lurked for a while and have finally decided to start my own diary. No-one may read it but it will hopefully help me keep going through this long and painful process. The aim? To be debt free apart from the mortgage. The DFD? Probably another three years or so. A little background. I'm single and have a mortgage…
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Time for some "Super" debt-busting!!!
I'm sure everyone on this board has written that first diary post, the one that sets everything out in all it's horrendous entirety. I probably should have done mine about a year ago, as that is when it hit rock bottom. Since then I've paid off quite a lot from my credit card debts (about £5k I think), but now it's time to…
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Positive balance today, next stop is debt free.
What a great way to start the day. Salary goes in, the spreadsheet is updated and..... the outstanding debt column shows a number in black! I know that I'm not debt free yet but it does mean that my liquid funds (current accounts and other savings) now exceed my credit card debts. It still feels like a landmark moment. I…
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Is it the end, or just the beginning.....?
Almost 4 years have passed since I joined MSE. Laden with almost £100k of debt (and it had been worse) and no idea how to get out of the hole we were in, I was directed by Willsnarf83 (who doesn't appear much now, but to whom I will be forever grateful) to this site. Instantly, the relief of no longer being in this on our…
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The Giving Up/Cutting Down Alcohol Support Thread - Numero 9!
Here we are again, time for a new thread, new starts, new challenges, NEW POSTERS PLEASE (not that there's anything wrong with the old ones, so please stick around ;) ). Let's take a trip down memory lane and remind ourselves of In Search Of Me's (ISOM) original post in Part 1: "There are a few of us who want to give…
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Doodlesdos frugal, fun and fabulous 2011 journey
So here I am with another diary but this one I shall be keeping on top of. Having just looked at my bank account I realise that although I have remained debt free I am still far off sorted with money. I may not need the MSE ways to be debt free but I definately need them to start to build a rainy day fund and more…
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support for those affected by alcohol
hi all , its not a big secret but i am currently dealing with my husbands alcohol addiction... i have noticed there is a thread on here to help people cut down and give up alcohol and i think that is fantastic ... i have been on the thread several times and been given some great advice for which i am grateful now i dont…