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Breaking an old habbit!
Well I thought I would start a wee diary of my own - its a mix of clearing debt and also starting to save! I made a decision at the beginning of December that I wanted 2011 to be completely different to the year Ive just had, and in order to achieve that I need to make big changes! Firstly I decided only 4 weeks ago to…
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GlenPuds DFD
Hi This will be my diary. I aim to be debt free by End of March 2011 (i dont foresee it being a problem). £1000 of my debt is actually my fathers, and i have him on a strict repayment plan. The other amounts, unfortunately have been due to gambling, not proud but i am coping with it nowadays, so i am happy with that. The…
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Baby inspired diary!
Hi all, Thought I'd keep myself a diary to ensure I keep to my plan! My wife and I [STRIKE]have[/STRIKE] had £13,275 of unsecured debts - £3,700 on a car loan and the rest in credit cards. We are aiming to pay all off this year as in May we are expecting our first daughter. :j We're not struggling with payments etc, we've…
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LucyLou's Magic Mystery Tour
Hi Everyone. I was a massive user of this site a few years ago (couldn't get my old login to work :o ) I've been back sliding terribly recently and have just been told that my poor little car wont pass next years MOT (well without lots of expensive welding) So I'm back, I'm going to Moneysave again :money:and try to reduce…
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Debt free diary of an ExNicotineQueen
Hello everyone, A little bit of background about me. I am 27 (will be 28 in March :eek: ) and my debt is circa £14k on credit cards and overdrafts. I live with my OH in London. I don’t want to go into sob story territory but lets just say I haven’t had an easy life and have gone through more things in my short time here…
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Hannah_10's debt-free-wannabe diary.
Welcome to my DFW diary, As I am keping this diary mainly so I can hold myself to account for the trouble I'm in as I try to get out of it, so that I have a place to record things and to prove to my sister I haven't forgotten I owe her! I am hoping that as the total debt left remaining decreases both in pounds and pence…
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I'm a wannabe!
Thats right, Iam a wannabe debt-free junkie (not literally). Iam a 23 yr old shopping tragic. I have had a few attempts at gettings my debt and saving under control, and im still not better off- So here we go again, third time lucky. My current situation & Aims.... 9000k Car Loan 6500k Credit Card 8000k Canada Trip =…
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Can't make ends meet and debt will only grow
Hi all, Am new to posting but have dipped in and out reading for some time. Currently my debt stands at £4359.71. Ashamed to say £660 I owe to my kids' bank accounts. I gave up my job last September as my boss was making life totally intolerable. Since then I haven't been able to find work. Approximately 1/3 of my…
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First Visit to Addiction Dependency Clinic (alcohol)
Hope I am in the right Forum for the above topic. I bit the bullet and saw my GP today about my daily drinking. I was given a number to call for my local addiction unit, and am now waiting on a date for an assessment. Can anyone tell me how long I may wait for this appt, and of course what the assessment (and what follows)…
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Dave1140 Diary
Hi Money savers, I am about to embark on the challenge to become debt free. My dad very kindly took out a loan a few months ago for me to consolidate my debts. I aim to get a lump sum together to clear this loan before its maturity. I have used the site and various money saving before but when my laptop broke around 9…
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Please advise on my Dept Problem
Hi, I wonder if somebody can give me some advise as I am in a real mess right now. I am currently in about £12k worth of dept and I feel deeply ashamed and angry at my self. I am working and have been doing so with the same directors for the last 9 years and I have never been in this situation before. The problem started…
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New job, new life?
Hello everyone! I started a thread on DSW recently as I had a problem and didnt quite know how to go about solving it. Everyone was so encouraging and helpful that I wanted to let you all know how my new job and my new life was progressing. Actually to be fair its my first day tomorrow!!! So progress isnt the right word. I…
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Advice needed for ex student
Hi everyone, I am looking for advice for my son who has given up his UNI course in Nursing having decided it is not for him. As yet he has no job and is coming home next week so at least he has food! Until he gets a job what is best place to start with debts? Student overdraft No. 1 - £1000 Student overdraft No. 2 - £500…
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Nessa doesn't want debt anymore!!!
Hi finally I have decided to start a spending diary 54 tomorrow and am fed up of having debt. Newly single, living in my own but mortgaged 1 bed flat ( tis very nice but I want a garden am determined somehow to get one !) debts are £5300.00 natwest CC Abbey Mortgage £65,000 I feel that at my age I really should be debt…
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Flash the money arrives - bang it's gone!
Hello, I have decided to keep a diary to keep track of my progress and try to keep up the momentum of our attempts to get rid of our debts. We have been rubbish with money for years, we have even made attempts to clear things off before but always fell back into bad habits - no excuses, they are pointless and can't be…
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2010 is the year to be debt free
I've been hanging around the site for a couple of years and have followed all the advice about cutting down, swopping suppliers etc. Our debt has yo-yo'ed during this time with a downwards trend, but we've never shifted it all. I've been thinking 2010 is a fresh new year so I thought I'd keep a diary to keep track. I've…
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Debtbegone's Debtbusting Diary
Hello :hello: Today I had my first real omg :shocked: lightbulb moment, so I'm here, starting a wee mini diary / challenge to keep me on track. Currently still living at home, hoping to move out next year. My income is greatly variable due to my job but my outgoings are small so I'm not struggling with payments at the…
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Is this the right place? Here's my SoA, any advise/suggestions welcome!
Here goes: Statement of Affairs and Personal Balance Sheet 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.......…
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Laura's 3rd-time-lucky diary
So here it is, my third DFW diary. I've deceided to start fresh again as recently I have gone decidedly 'off the boil' with my DFW ways. I was doing so well... by September last year I had paid £2000 off of my debt. Impressive going for 10 months of debt busting (at least, it was for me as it was the first time ever that…
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No Lottery win.......so its time for Plan B
Well I had my LBM around this time last year it came about mainly due to the fact I had been off on maternity leave for about 9 months - none of which had been saved for - so the cards balances were getting higher and higher and we were getting further and further behind on the bills (council tax/utility etc etc). Over the…