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Back on the straight and narrow...
So here I am back again, after a couple/few months away - not actually sure how long it is, I've popped back a couple of times but not really stayed for long! I think I stopped coming to help me not get stressed about the situation we currently find ourselves in... it wasn't that I had my head in the sand, but I think…
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Baldybears diary...trials of life!
Hello All, Well decided after much umming and ahhing to start my own diary, have lurked on here for a while and am finally facing facts about my life and where I would like to go from here! Basic background, female 32, currently living with OH and parents, no kids but 1 horse and care of 3 others too and 1 hamster! Total…
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Improving my life during Summer 2010
Age 31: Debt at highest point was €9566.20 in April 2009. Present debt total is €6,526.45. These amounts include the interest so it will be less if I manage to repay it faster. There wasn’t any one thing that got me into debt. It started with student loans and from that point on I’ve always had this persistent fairly low…
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This time next year
I am so fed up with feeling full of angst about not clearing debt and looking back and thinking I felt like this last year and the year before....and so on, that I thought I would force myself on all of you. I feel I already know you all from reading your wonderful diaries. So many have come so far and to read about your…
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phone calls government subsidy?
I keep getting these phone calls asking if I have any unsecured debts It is always from an Indian call centre and they say it is a government backed scheme to get rid of your unsecured debts. Ended up spending nearly one hour on phone with three people can any one tell me what they are all about have not committed myself…
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Rainy will make lemonade from her debt lemons in 2011!
It has been a long time since I have diarised my debt journey (last June to be precise, eek!) nothing personal guys - I promise! I think I just finally ran out of steam/positivism/motivation/will to live and my warm head-space in the sand was all too welcoming. I won't dwell on the absence though! Onwards and upwards!…
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I'm back!!
Ok well I used to have a diary on here, although I can't find it, back in August 2008. At this time I owed £21802 and was feeling very scared and lost. I just wanted to give a bit of hope and let you know it can be one. It's now Jan 2011 and I now owe £10586. I'm so proud of the progress I've made, I've paid off over half…
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16 Pay Days to DFD!
Hello, good morning and happy Friday! I thought I'd use this opportunity to reflect back on the past year. I had my LBM on my payday last year- 27th Jan 2010. I was able to pay all my minimum payments but one of my creditcards had reached £150 a month minimum and that scared me into taking action. I am so thankful that I…
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My Kick Bottom in 2011 Diary
I have been toying with the idea of setting up a debt free diary for ages, just to have somewhere to put my random mumblings and help keep me on the straight and narrow!! I am sitting at home with my little man full of a cold and feeling sorry for myself so it seemed like a good time to start! Was going to do it in the New…
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My Countdown to becoming debt free!!
Hi Guys Im very new to this site but have been reading alot of posts over the last few weeks and it has been a great help! I will give you a little back ground into my situation. I am currently moving back home so paying off my debts will be easier and hopefully quicker. I have a flat which is now being rented for a year…
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SazzleDazzles determined to have a new Sparkly Dazzling Life
Well after reading several diaries on here I thought that maybe instead of lying in bed every night thinking about ways of saving money or what I should be or could be doing maybe a diary would be a good way to get it off my chest. And then just maybe I could get to sleep before 2am instead of worrying and thinking. Well a…
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Tiredofthis's 2011 ... one day at a time
Hi I'm Tired. I've been in debt forever. It's not as bad as it has been, but I'm tired of it being this way. I've been depressed on and off for 15 years. I was feeling better but today is really bad. I lost 3st in 2010 and it didn't make me happy. I have an awesome job I love, but it doesn't make me happy. I'm not sure…
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HunniBunni's money musings
Well having been a member of these forums for all of 4 days now :o and reading some of the posts and diaries on here I have been inspired to start my own little diary as well! In the 4 days I have been on here I have made some big (well, big for me ;) ) changes to how I manage my money. I set up a little spreadsheet (with…
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Standing On The Edge of the Debt Hole ...
This my attempt at a diary, which I am doing so that I can watch my spending and NOT get into more debt. I thought if I put words and amounts down it might focus my mind, also by doing it publicly then I have made a commitment to myself. Compared to most we are in a good position but I want to ensure that we don't jump…
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Hombase Card has now been cut up
Hi I just wanted to share my good news story with you lovely MSE people. I finally paid off my Homebase card today £211.81 and cut it up into small pieces (How satisfying). MSE has helped me get this cash together. Thank you Denzel09uk:j
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New year, new start
I used to be really good with money. Hah. Maybe that was because I always had plenty...budgeting was fun. Let's face it, there's not too much stress to planning where to save your extra cash, is there? Skipping meals out and taking your own bottle of vodka to the club is quite satisfying when you can see the pounds mount…
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Newbies' 10K in 2010 Challenge!! :)
Good morning all! Newbie here…..well, not posted in a very long time! :p Been burying my head in the sand with all my debt for too long now and its time I did something to resolve it – its not gonna go away by itself! (unfortunately! :p ) Built up my debt at uni……I started to need some extra cash so started to get credit…
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The user name says it all!
A very brief first entry for me to come back to. I am in the ballpark of £7000 in debt with the means to clear it easily in 5-6mths, I want to save a deposit for a house which I can do easily. For a variety of reasons, I haven't made much progress lately. Now for the big one... The reason I am in debt is gambling! In every…
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New around here.....and an attempt at a diary!!
Hi there my name is Dan and I admit to being a bit of a lurker on this forum. I decided to join tonight after reading a couple of threads about being in debt and also being single and coping with it all on your own. As I also fall into that category I felt it would be good to get involved with the friendly folk on here who…
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New year New Start 2nd year
Hi Everyone Well this is my second year trying to sort out my money. Its such a struggle, i can't seem to see the light at the end of the tunnel. I've been good this year and have tried to control my spending and pay off my debts. has anyone managed to clear their debts? has anyone nearly cleared their debts ? how do you…