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Budgeting by the beach
I've been on here lurking for some time, and I think it's time I started my own diary and keep it updated. I originally tried to get this diary started in 2021, but just wrote one post which I then deleted. I've decided to resurrect this one on Friday 6 May 2022. Last year I decided I needed a fresh start, so I moved close…
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Trying not to get into more debt
My current job has
come to an end and I’ve been job hunting (so far without success)
but unfortunately I’m also suffering a long term leg injury
compounded by chronic pain from Ehlers Danlos Syndrome. As I had a
couple of months notice I decided to save as much as possible so cut
down spending as far as I could to build a…
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Help!
Im really hoping you guys can help! I'm new to this site. So bought a small 2 berth this year (23 years old) not perfect by any means but spent on a new refurb and replacing parts ie leisure batt, new tyres, water system, pump, blinds etc. Had 2 fun trips out in her when we were gifted another caravan which we jumped at…
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Trying to keep on top of it all.Busy,crazy ,life!
Thought I better start a new diary since its been a decade. I look back at my last posts on here and laugh and wish I could be that debt free even though we were on so much less money! Crazy how before you know it you have debt....and kids and become a full blown adult. Anyway, hello! I'm Cat, iv 3 kids ages 4,7&8 it's…
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Trying to get back to living my best life
After paying off my car finance in the middle of last year to become debt-free I have spent just over a year trying to save hard towards a house deposit. However, living in the south-east, in a town that is one of the best-connected to London, prices are jumping up so much that I can’t even afford a one bed flat in my…
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£40k debt, no end in sight. Total mess at the moment.
Hello I’ve been reading these forums for a while and have been on to StepChange and CAB, learning about the various options and consequences for each, and then i finally took
the step of signing up and posting my story. In short, i feel like i’m in a
totally hopeless financial position and i need help. I can’t do any legal…
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Let me know what you think
Hi All Wow…it’s been over 2 years since my initial debt free diary and so much has changed since. I randomly stumbled back across this forum online and decided to get another diary going to help me achieve my debt free goals and achieve financial independence. Some background on me, I’m 29 years old living in the UK. I…
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A Much Needed Wake Up Call...
Hello there to anyone who reads... This is my first time posting anything like this, all following a frank heart to heart with my SO earlier on this week, when at one point during the day there was a very frank possibility of us separating. As it ended up, we're both doubling down on our efforts to not neglect each other…
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Creditors sold debt on
Hi I asked Tesco Credit for a CCA agreement and they provided one but not with the original address at the time of opening the credit, so the CCA is not genuine. They have since sold the debt on to a collections agency but I am still to receive a CCA with the correct details - should I ask for a CCA again with the debt…
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Today I totalled up my debt for the first time...
Just a short post but today, but for the first time today (after months/years of putting it off) I lifted my head out of the sand, logged into our various credit card accounts, and took a note of our total debt, accurate to the penny. I had it in mind that the total would be around around £40-50k, andl including CCs,…
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100k - is not ok!
I have had it with spending and having no emergency fund and the debts are just hanging in there. I need to get an emergency fund sorted of 5k.
I need to get rid of debt. (currently at £94 831 - including mortgages) So lets call this 100k. My 100k challenge - should be fun. Hoping for support and encouragement and dragging…
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How I got out of crippling debt
Posting this as advice which worked for me. TL:DR - I was in so much debt every time I got paid every penny auto left my account. I opened up a new bank account, diverted my wages there and paid everyone back one by one. It took years. HOW BAD WAS IT? Payday would come and the money would be taken out immediately by my…
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Winds of change
So here we go, I've been a long time lurker on these boards (over a decade since discovering MSE while at uni). I've had various levels of debt and have thought many times about starting a diary but never have (perhaps I didn't really want to be accountable?) Now it seems like the perfect time, today is the first day of my…
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Plan of Attack
Hi Guys, As promised here is my new diary. The plan is to become debt free (AGAIN), and then get a deposit together to buy an house, getting myself on the property ladder is my number 1 priority now, you could say I have become obsessed with it, but as Rome wasn't built in a day - or so the saying goes. Some of you may…
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Plan of Attack
Hi Guys, As promised here is my new diary. The plan is to become debt free (AGAIN), and then get a deposit together to buy an house, getting myself on the property ladder is my number 1 priority now, you could say I have become obsessed with it, but as Rome wasn't built in a day - or so the saying goes. Some of you may…
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Debit Free Diary Starting August 2021 - Target Christmas 2022! DEBT FREE Jan 2023!!
Good Morning All, I am planning to get debt free by May 2022 (excluding mortgage). This has been driven by getting refused for finance for a car based on the level of borrowing I already have. I have previously (in my younger days) got in some bother with payday loans and credit cards, I was borrowing one to pay the other…
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Facing up and time for action
I've been following some of the stories and progress of other folks on here for a while, so thought it was time to sign up and set out my plans for getting my overspending and my debt under control. In June this year I was carrying £72.1k of unsecured debt across two consolidation loans (!), five credit cards, a store card…
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Debt and Budget (Reset) plan
Hey, Ive lurked around the debt Free wannabe diaries for a while, looking for inspiration to clear my own Credit Card debts. I have always been in debt for as long as I can remember! At my highest in 2017 it was £25766! A bit like a roller coaster, balance goes down and then up and its just never ending! I want to be held…
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To close accounts not being used or keep them open?
Hi All, Thanks for reading in advance... I have recently taken out a loan and paid off a few credit cards. I had some already open (with 0 balance) and others i have just paid. I now have 4 accounts all with 0 balance. Im not sure whether i should close them and just leave accounts with balances on or keep them open with…
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Confessions of this Shopaholic
Hi guys, I’ve been lurking on these boards for a while now building
up the courage to start my own diary. Unfortunately, I am a self-confessed shopaholic. It is getting out of hand now, which is saying
something when you actually recognise it yourself! I’ve always been a spender, but I am now spending
beyond my means. My…
