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Debt management plan.
Hi i would just like a bit of advice if anyone has been or is in the same situation as me. Basically myself & my hubby have been in a debt management plan for 4yrs & it has been so tough but iam relieved to say we will be debt free in a few months. Our car is about 10yrs old & have been spending a bit of money on it…
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How to clear £4615 of debt in 2 months!
I just got a private message from a girl who had noticed my signature and that I had managed to clear £4615 in 2 months, she wanted to know how I had done it! I decided maybe I should post something on here explaining what I have done. I started by calling all my debtors and asking exactly what I owed them. I then set up a…
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Pap's forever plodding... the final chapter =)
Hello all So here it is the final chapter in Pap's journey. It all started in May 2006 when I finally had my lightbulb moment after being on this site a fair few months. After just a month and a lot of ebaying I was debt free due to my debt just being a small amount (£800)... However as usual being in a p/t job and being…
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2010: New Year, New Flat, New Plan.........
Hi everyone As I was bored at work, I thought I should start a new thread for 2010. My debt free in 1,000 days diary can be found here: http://forums.moneysavingexpert.com/showthread.html?t=1981225 This challenge didn't work out but I did clear one debt through it so it wasn't a complete loss. So my new diary will run…
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Confused of Penketh
Hi, I have been a member of the site for quite a while but havent posted anything for ages... I have really tried so hard to make changes and feel that nothing is working for me, so need lots of help and advice please :j Since I made a conscious effort to save money I have spent more...how does that happen!!!? :mad:
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So near and yet so far
I'm 31, I've whittled down my student loan debt from its terrifying peak of £16.5K right down to a whisker over a grand. I have £664 on my credit card and am about £400 overdrawn. I've just started a £30K per annum job, which is substantially more than I've ever earned before. I've worked so hard over the last three years…
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Mariagti's new chapter,the MSE way!
Welcome to my new diary!:j:j Here's a link to my old diary http://forums.moneysavingexpert.com/showthread.html?t=1154947 Where i managed to save £4k then blow it all on a new car!:rolleyes::o Anyway, Im starting a new shiney diary as im now 7 weeks pregnant!!! Still in my early days i know but its never too early to start…
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I give up! Help!
I've been financially responsible and struggled for many years to keep paying a mortgage on a flat, which is now in negative equity, and costing a fortune. Can't sell cos I'd lose money and also there'd be a huge penalty on early repayment of the mortgage. I'm also paying £900 a month off in debts ( credit cards and a…
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my story...
As of 29th May I have no job so will be claiming JSA & LHA. I shall be sending token payments to all my creditors but how long can I do that for? I was hoping to move into my own 1 bed place but it's impossible finding anyone who will take me if solely on benefits (I can find DSS places, but they don't want to know once I…
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Debt Free Reward Pot
Okay, so I have an idea. Since having my LBM this March I have clamped down on clearing my debt. Whilst I am enjoying it creep down slowly, I felt I could do with an extra little incentive to keep me going. So this is when I came up with the debt free reward, a sealed pot you add to every time you clear a certain amount of…
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gwingwyn's diary
ok so i thought this would be a good thing to do to comment on what i am doing. i feel like it's the first time i've properly confessed the situation i'm in. i hope i will make it past a few days of enthusiastic newbieness! today i have: calculated my total debt = £9645 not including student loan and mortgage changed my…
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2010 is the year of the ISA
HAPPY NEW YEAR Here are the links to my old diaries incase you are interested http://forums.moneysavingexpert.com/....html?t=328237 http://forums.moneysavingexpert.com/....html?t=387518 http://forums.moneysavingexpert.com/....html?t=998771 http://forums.moneysavingexpert.com/...html?t=1171039…
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Pink's debt free diary
I normally post under another name but too many of my family are on here and I really need somewhere to vent and put down my thoughts. ......I hope no one minds. Me... I'm in my 30's. I recently married my semi long term partner. He has 2 children that he brought up himself. A self-indulgent 20 year old boy that lives with…
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Cocktails and Dreams - striving towards debt free days
Hi everyone, I have been toying with the idea of starting a diary for a long time now, and have decided its about time I stopped dithering and got on with it! I had my LBM in Sept 08 when HSBC decided to withdraw my overdraft without warning leaving me totally dependent on OH for rent, bills etc for the whole month (they…
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Buffy Cracks the Egg Diary 2010
Well I just now paid off the balance of my last CC bill. It was mostly Christmas spending and I had saved for part of it (and I must remember I owe my sister some money too) (thank God for online banking, just paid her!!). January will be a tight month!! So the debt I have left is my Egg loan this stands at 11,256 at the…
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Back on the DFW Journey!
Hi all! Haven't been on here in ages, and back then I had a different username which I can't for the life of me remember :o I've had a load of changes in the last while...returned to college in 2008 before last to get a professional qualification (which better be worth the work!), been working part time with that and just…
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DFW karaoke anyone?
I might have had too much time on my hands this evening :) Apologies to Mr Lennon and his lovely song 'Imagine'... Imagine there's no Barclays It's easy if you try No hold ov-er us They can’t make us cry Imagine all the creditors Crying at low pay Imagine there's no Halifax It isn't hard to do Nothing to phone or write for…
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First step taken, but don't feel any better
Finally plucked up the courage to speak to my bank today, who were keen for me to increase my mortgage to pay off my unsecured borrowing. Unfortunately, they couldn;t help as my credit score wasn't good enough, despite having never missed a payment, ccj or anything like that. We talked through the options, for repaying…
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It's going well but need to keep focused.
Not been on here for some time and have decided to keep a diary as I have been slipping. A bit of Background. 2 years ago OH and I had approx £40k of debt and started a DMP. At the time I was a SAHM. I have been back at work for over a year and we are now nearly DF. We sold our house and this paid most of our debt off.…
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Charlyze2's bumpy road
Good evening all I have been a lurker on MSE for some time now and have only just recently started posting. I have decided that enough is enough and i really need to knuckle down and tackle our debt. I thought that by posting it on here it will help to keep me motivated and provide me with a much needed kick up the…