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Statement of Affairs.
This is my first Statement of affairs on MSE. I couldnt think where all my cash is going as I am clear at about £930 below. We have recently paid off our loans which totalled about 450 so thats a big chunk of it, but Im still 400 out. We go out alot so maybe drinks and eating out isnt enough. I just had to buy a new car at…
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Little Miss Determined tries to stay focused
I've realised that in my life I often become determined to do something. I charge at it with great enthusiasm but then after a while realise that it is not sustainable and so lose heart and ignore it for a while. I then start to feel fed up and sorrow for myself and then become determined to restart and so the cycle starts…
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NBTY finances the next adventure
Greetings, all! As some of you know, I am entering a new phase of my life. After 2 years of scrimping and saving and paying off, I am finally debt free. Never one to rest on my laurels, I am making big life changes that need to be financed. I work for an international charity, and I want to get my career on the fast track…
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GOTL's £35 a day challenge...is it possible?
Hi guys. So after a bit of a lightheared attempt at the MSE way last year I am now back with a vengeance!! :j I got really into everything for a couple of months and then pretty much gave up, but I know that if I keep messing about, my debts will not go away, I will not get married and I won't have the life that I want in…
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New DMP set up with Payplan ... very nervous
I have just started a DMP with Payplan as I have heard good recommendations about them and want to finally get my finances sorted. I have been constantly juggling money around trying to pay off loans but getting nowhere !! :mad: I have one high street bank loan and a credit card, but my main problem is 5 Pay Day loans.…
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'The Paper Hatters - our aims for 2010'
Hi all, This is the 3rd instalment of the Paper Hat thread, which was started off by CAFCGirl ages ago. The first 2 instalments are below: http://forums.moneysavingexpert.com/...html?t=1227263 and http://forums.moneysavingexpert.com/showthread.html?t=1912549 We have decided to start a new thread because we are all at…
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Champagne Lifestyle Lemonade Budget (My attempts to get debt free by April 2010)
I've decided to start a fresh new diary as old one (link below) was getting stale: http://forums.moneysavingexpert.com/showthread.html?t=1564813 I've got a small debt on a 0% credit card which finishes on 31 March 2010. This should be easy to do but at the moment OH and I are living on a very reduced income due to…
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Help please
I need help please :( My husband and i are in debt for about £40,000 we have been on a payment plan with cccs and all has been going well until 4 months ago. I had a depressive breakdown and sank into that familiar pit of despair I sometimes visit. Needless to say I stopped functioning which of course involved not paying…
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Newbie
Hi there, Fed up with never decreasing debts!! Need some focus to become debt free! 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.................... 2 Monthly Income Details Monthly income…
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Mariagti diary of being a new mummy and staying out of debt
Welcome to my fresh new diary:j Im maria, 27 years old i live with my fiance of 8 years and our new 8 week old baby boy Owen. :D Ive been a member on here for many years now and always used to keep a DFW diary, thanks to the help and support of this forum i became debt free a couple of years ago now. After becoming debt…
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Sparkle is sorting out her finances
Hi all! I’ve been reading some of the diaries on this forum and have found them inspirational. I’ve decided that I’m going to get all my horrible bits of debt paid off and I’ve decided to write my own diary to keep myself on track. I’m getting married in august and I really don’t want to start married life in a worse…
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From Rags to Riches - My Journey From Sainsbury's Basics To Taste The Difference
Hey everyone, some of you may have seen my thread in the Student Money Saving section: http://forums.moneysavingexpert.com/showthread.php?t=3047504&page=3 I'll try and summarise my situation so you get an idea of my situation. I've got myself into a bit of a pickle financially. I currently owe money to Lloyds TSB,…
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Grow business, pay £30k debt, TTC, get fit and stay positive!
I left my job earlier this year to set up my online business. This was a dream of mine for quite a long time and it was a real 'now or never' point in my life. At the time, I was so desperate to focus all my energies on my business, I stopped posting on MSE. Things are now more manageable (although I'm still going to be…
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2011 Dee-Dee's Diary
Hi All, My name is Dee-Dee and I am going to start keeping a Debt Free Diary. I added one a while ago but never did anything further with it :o I have been really inspired by the Diaries that I have read on here and can't believe how many kind people who are out there willing to help others with advice and support. I…
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Time to face up to it, appreciate advice.
I got made redundant in 2005, at the time i was sufferning serious mental health problems, i fell into debt as i was unable to face the world. I was pretty financially comfotable b4 all this. I had a few grand in savings, a nice car and 2 credit cards i never used. I had social anxiety to such a level it was debilitating,…
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GOAL Debt free by July 2012
Hi Everyone, hope you all had lovely weekends and are not too bummed about it being Monday tomorrow!!! I've never ever posted on any forum before, but I have been dipping in and out of threads on MSE for the past year or so whilst trying to decide what my plan is and how I'm going to get to where I want to be. I have read…
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The Debt Must Go (REALLY mean it this time)
I'm back yet again looking for the motivation required to get myself debt free, am actually annoyed at myself for still being in debt but I am, and there's not much else I can do about it other than pay it off! At the moment I am on maternity leave, and will receive my full pay for the first 20 weeks (am about 4 weeks in).…
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The Giraffe Diary - £30k in 12month - Standing tall, strong and elegant!
I have been thinking of starting a diary for a while - either a written old fashioned one or one on here for the world to see. As you can see MSE won (as I didnt want to go and buy a journal! :money:) Anyway a bit of background - I am a long time MSEr who generally lurks/spends time on the O/S board. I am married with two…
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I want to be a writer and need to get the finances sorted to do this...
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The start of the journey
Had the infamous lightbulb moment on Wednesday, 16/02/11. We have lots of unsecured debt. Loans, credit cards, overdraft then the odds and sods that mount up to £36k approximately. Just wondering if we can do it and get debt free. I'm going to break it down in stages overdraft first then credit cards then look at the…