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Anyone got a paddle????
It's suddenly feeling like I'm up the creek without one! :( I got back to the car yesterday and had a parking ticket waiting for me - then promptly spent the rest of the night bawling tears of frustration! I'm not speaking to OH since he couldn't offer anything more constructive than "Don't worry, just be positive,…
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Getting back in control
I am sick of feeling out of control and at the mercy of my creditors. I recently took out a DMP and felt so ashamed about it all that I didn't feel like carrying on. Now I realise that is absloutley ridiculous - making a few mistakes and going overboard with credit cards and overdrafts isn't a bad thing, (6K debt) we all…
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Motivation needed
As the title says am needing a bit of motivation as at the moment am feeling a bit like it's never ending. Doesn't help that whenever I think I have a debt cleared then another one seems to pop up out of the woodwork! Anyway at the moment I have: £750 - Halifax c/c - am currently taking them to court to reclaim charges,…
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So sick of being in debt ! Time to change !
Dear all, although I ahve been watching Martin on the TV for years and have subscribed most of my family to this site, I have been terrible in actually tackling my own debt. A little about me, Im 34, single mum of 1 (9 years old) I have a good job, work full time, but over the years have accumulated £7000 of debt! Today is…
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April 2012.... Here i come, Ready or Not!!
Hi April 2012, is the date, that we hopefully will be debt free, and if we are, then we are going to New York! without any children! lol A little bit about me, Im 41, married, and between my husband and myself we have 5 children! between the ages of 22 and 13 This year has been an expensive year for us, we got married, had…
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I dont know where to start to be debt free??
Hi Iam about 4.000 in debt and i dont know where to start to get debt free. Iam 30 and married with 2 children and 1 due in Feb 2011, i have been getting letters saying people will come to my house if i dont pay and saying about court and i have spoke to someone regarding every letter i have got but just finding it so hard…
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Am I safe?
Hi, I apologise in advance because I have a lot of questions and I'm panicing because starting a DMP. I applied online for a dmp with cccs, have sent all my info to them that they need so I'm now waiting but have questions... I opened a new bank account so my benefits will be paid into the new account now- is my money safe…
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Tickle me with a slightly damp fish
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Payrise of £5,670.- in a year - can I do it?
I am fed up with trying to manage with the income I have. Especially after doing benefit calculation it seems that council is underpaying my housing benefit by approximately £100.- per week. Hence being seriously out of pocket and getting in arrears with child care costs and not having been able to pay back money that I…
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Shifting a 24K debt in a year?????
I’ve been lurking for a while and finding a lot of motivation from reading other people’s diaries, so have decided maybe it would help if I start my own! I apologise now as this will no doubt be a lengthy post. I’m 26 and my debt at LBM in April of this year was £24,917. I’m kicking myself for this as I had what I thought…
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time to sort things out- advice please!
Im new here and need advice on how to get my finances sorted! ive got myself into a mess over the last couple of years whilst ive been on maternity leave- ive had 2 children in the last 3 years. this has obviously reduced my income, and now im working again but only part time which doesnt help. my approx debts are as…
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Attack Debt & Begin Life at 40
I have started a diary on here before, so here goes again. All our married life my husband and I have had debt, now 16 years on and 2 children later things have not changed. Our credit card debt has now totalled at just under £34000 at the end of January. We have had many lovely holiday's, have a lovely home, but I could…
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My journey to stay out of debt and hopefully save some along the way!
Firstly, I would like to point out that I am not in debt. Well not a *bad* debt! I do currently have a student loan though. And also have access to a very large bad overdraft which I occasionally go into. I'm currently in my third year of university studying Fine Art. For my first year (2008) I lived in catered halls, and…
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SAHM to 2 boys Money Diary
Well, after reading what seems like every diary on here and loving the information and support people give I have decided its time to start my own. I must be honest and confess that I did have another user name and use to post on the boards regularly however my user name was very similiar to my real name and I got the…
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Spreadsheet help
Hi, I really want to put all my finances on to a spread sheet but struggling with how to lay it out, does anyone have a template or an example they could perhaps share with me? thanks in advance - Moneytroubles xxxx
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Reality has hit home - time to take action
Hello, Well I've only just found this website over the last few days and found it very helpful to deal with my MBNA cc problem earlier in the week. My problem made me sit up and take stock of my current debt as I am finding myself in a recurring cycle - take out a loan to clear of cc's only to run up cc's again and have to…
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Just the beginning of the F&F battle....
Hi All, I'm new to this diaries business, but I thought that as I have regularly searched for other peoples experiences on F&F offers that I would start one as we have just received a lump sum that we plan to use for F&F offers and this way I could record our roller coaster for others to read and see what responses we have…
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Living with the shame : how to keep my self esteem
Is it shame I feel or just a whole host of ghastly emotions. One moment life feels good and the next it feels dark and scary.There are days when I ask myself how did I get here in this mess again!!!! I know my childhood role models certainly had an influence on me and the decisions I make, don't get me wrong , I'm not…
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So much to save for
I've been reading on this site for years posting the odd comment but never really utilising the site to its full potential, so now I'm going to! A bit of background for you I'm 27 (and a half) I've been with my fiancee for 15 months although we've been friends for about 10 years and our daughter arrived in February this…
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Saving for a new SMILE diary
I used to have a diary, but i sorta fell of the MSE wagon so i am going to start a new one. I don't really have debt as such, i owe my OH some money, but he has said i can pay that back when i can, so i'm not going to include it. Obviously i'd like to pay it back ASAP but he knows and is happy that i want to save at the…