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Our Journey Back into the Black
I started a diary back in June but never really got going with my debt busting efforts. I think partly due to the fact that I was trying to cope on my own and hid my/our debts from OH. This weekend I had a chat with OH and now its all in the open things are on the move again. He is the one who is 'good' with money so will…
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Miss Mental can see light at the end of the tunnel...
Hello, I'm 44, been over spending for years, enjoy the good life, holidays, clothes, going out etc. I've always had the philosophy of living for today because I may not see tomorrow. My mum died young, I suppose it has affected my view of not saving for things I wanted. Over the years I have had credit cards & loans now…
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Hypno's reminder that she is doing ok, actually!
And with alarming regularity, she starts yet another chapter of her diary.........:) So, briefly, for those who may be new to my life, here is the story so far..... Bought a house in 1999, and 3 weeks after we moved in we discovered major structural work that needed doing. Like all building work, the costs escalated and by…
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Jediteacher saying enough is enough!
Right it's high time I really tackled my debt. I owe £25,000 on cards and a loan. I hope by posting on here regularly it will keep me motivated. A quick history of how I got here. Seven years ago I had to had my first miscarriage and to make me feel better I shopped. I then had my daughter three years ago. Since then I've…
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Had my LBM - now its time to make a change.
I had my LBM just over a month ago and so i'm gonna try and write a diary see if it helps. A little background on me .... I am married with two wonderful kids, debt totalling over £26k and desperaratly want to reduce it as its affecting life (suffered with severe depression recently and had to have 3 months off work). My…
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Clawing back - the second half
Hi all At the end of April we reached a target – and I’m very proud to say that we’ve paid off over 50% of what we owed. :beer: Our balance is down to £7,630. On these forums I don’t have to explain what a struggle this has been, so this diary is to try and help with The Second Half of the DFW journey. We currently owe…
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Burnt rose petals, that should be my name
I think it's high time I made one of these. I was paid on 29 October, i.e. a week ago, and now there's under £100 in the account to last me for the next three-and-a-bit. I've no idea what's in my freezer or if it's even edible at this stage (I can't remember how long it's been there!) :o I'm thoroughly tired of never…
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Trying to renegotiate mobile contract to save ££
I'm on a 18 month contract with T-mobile, runs until May. It's £35 p.m. with lots of extra mins etc etc - it was fine until I was made redundant. Now it's v v expensive! Finally found someone to talk to at t-mobile (tip - if you want a quick answer select the 'I'm thinking of leaving t-mobile' option at every opportunity.…
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Here we go!!
So 19th October 2010 is the day I take CONTROL of MY finances! I'm not in a horrendous financial state but I'm in no means in a healthy place. I live from paycheck to paycheck, out of my overdraft & always dread the final week of the month. I've had enough of living this way & I've been inspired by all the success stories…
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Ollie Lollie's 2010 Diary
So, It's February tomorrow - and I want to kick off to a new start. It's a fresh month (broke up with my gf of 2 years in January.) and I'm feeling up to the challenge. I'm wanting to get debt free ASAP, and intend on going to Uni in September 2011! It's just me and my housemate living here, with the bunny~ Hopefully, I…
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Maybe I was born with it?
Somedays thats how I feel... I was born to be in debt! I have struggled my entire life my parents struggled maybe its genetic. Well if you asked me a year ago that was my thoughts and today I wake up knowing that NO its MY fault and its time to take action!! So far my and my partner owe: 3K - HBOS 5,200- MBNA 8700, lloyds…
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Full & Final Settlement Offer?
If you owed money to 3 different creditors & wanted to offer a full & final offer dealing with them 1 at a time, starting with the one you owed most how much would you offer on a 10k debt for starters? would 40% be acceptable?...this would be under the circumstances where the person in debt was unemployed & had little…
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D2BDF's Aim to be debt free in 2011 (hopefully!)
Hi all, I've been a MSE member for a couple of years which has really helped me to reduce the amount of debt we fall into - I think it could have been worse if not for this site... but now I want to pay off the debt earlier than planned and get ourselves into a better situation. I've decided to do a diary to try and keep…
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GenuinePlacebo's start to a better future
Hi Guys, I've spent a lot of time on MSE and have posted a few times on the House Buying, Renting and Selling forum as we've spent 2010 trying to sell our house and buy a new one. We are now set to exchange contracts on our house sale and purchase next week and move before Xmas! :j The main aim over the last couple of…
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My new new new new new
Nobody can go back and start a new beginning, but anyone can start today and make a new ending.
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Minky's stop messin about diary!
I thought I'd start afresh today with this lovely sparkly clean diary. Things have changed a lot for me in the last year but now I need to stop messing about and get on with things. I'm hoping that regular posting should keep me on the straight and narrow. First step is to find out exactly how much me and my partners debt…
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My Story So Far
This is neither an impressive or inspiring story I'm afraid. I read about people here who life has dealt some really tough hands to, and that's why they're in debt. Not me. I got in to debt because I spent too much, even though I was earning well. I'd spend on alcohol, cigarettes, eating out, taxis, CDs, whatever. I have,…
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Looking forward to a new year and new resolutions!
Hello I have read so many of peoples threads I thought it was about time I started my own. I am 24 and have some debt but nothing drastic, I was spiralling down at the beginning of the year but in the last two months I have turned myself around and got out of trouble. I was forever going overdrawn (not an agreed overdraft)…
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My Name is Wilf and i am a shopaholic.......
As the title says i am a total shopaholic i will buy anything, i have to spend money. I have started looking at what i spend my money on and its ridiculous, i buy clothes food more clothes house things. I have so many things with labels on its untrue. I haven't got too much debt only 2k but i have no savings nothing to…
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Onwards & Upwards - Part 2
Happy New Year everyone. I lost my old diary somewhere along the line so have started a new one and as it’s the start of a new year this seems like the perfect time to get one done. So what does 2010 hold in store for us here? Well DD starts ‘big school’ in September and I am trying to find yet another way of holding on to…