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Forget GREASE - SKINT IS THE WORD....90K of it
Hi Everyone, Well I've been a member for a few years now and, have found this site to be a wealth of information . Having said that my OH and I have a shed full of debt :eek:. I'm gutted to have been so stupid in so many ways living life to the full on credit in every way imaginable. We've remortgaged, taken out loans to…
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Tackling This Problem One Debt At A Time
Hi everyone, I have been on the DFW boards before and failed miserably...I think maybe I wasn't ready to deal with the problem, or just found it too much to deal with. Anyway, I have now got my light well and truly on! My situation is that I am getting married in a few months to the man of my dreams (but it's all paid for…
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chewits - the debtquake monster is coming
Hi all, Having read some of your amazing diaries I'd like to share my own story and challenges. All positive contributions warmly welcomed. I've a 15 ds, OH, 3 cats, 1 husky and a grandad (my dad aged 82). Currently we're in control of our debt which is a mortgage for £130k and 1 cc I pay off monthly. However our…
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My way to debt free
I dont have large debts, mainly catalogues and my credit card but I need a nudge to stop me spending, I have Bipolar and when i'm having a rough patch I shop (online). I get £420 every 4 weeks incapacity benefit and £140 dla and i'm lucky that until my debt is clear I only have to use it to clear said debt. My outgoings…
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The 15k Paper Hat - It could be YOU!!!!!
Wow..... I have never in my life posted a thread so successful I've been asked to make a second thread because it was so loooooooooooooooooooong! Here's how it all started: We've all had our ups and downs, Doodles and I have claimed top spots :rotfl:....... but I know I speak for both of us when I say this thread saved us,…
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Need to change my life or it just gonna go down hill!!!!
Wellll Dunno where to start. Back with hubby, LOADS debts and i want to just start paying them off now. Fed up with my life with the debts over my head. Hubby dont care but he the first to moan if he cant have anything. Gonna post a SOA but im scared what people might say :( First debt i Want to get rid is the Littlewoods…
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I like money so why do I keep giving it away?
So I'm starting a debt diary, huzzah. I've tried money saving before and failed but now with the support of a fantastic man (who is the shrewdest money saver other than Monsieur Lewis) I've managed to get myself sorted so far. I have a total of £7478.05 debt between an overdraft and a credit card. I've recently discovered…
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Best Coin Forward Challenge (Formerly "Bear Essentials")
Started as the "Bear Essentials" Challenge, a personal challenge for me (named after my cute bear money box), the aim was to save the best, or largest, coin you have at the end of each day. At the end of the month use the coins to pay off store cards / credit cards / treat yourself - whatever you fancy! I've had a loose…
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March make £10 a day Challenge ~ALL WELCOME!~
Hello to all newbies & regulars and welcome to another £10 a day challenge :hello: This challenge first started in September 2007 so this will be the 30th Month this challenge has been going so thanks Batgirl for starting it and JesaRose, MizMir and Purpleroses who also keep the thread going. :T I know this first post is…
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Myopic Mooving Out of Debt (Hopefully!) Diary
Hello :hello:, New Year and new decade so I thought a new diary would be in order to help me keep on track. My LBM was in August when we owed a massive £54,613 :eek: (including HP payments), and a huge amount in council tax arrears. We set up our own DMP and have been paying the councils, and those who accepted our token…
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£9k in 130 days - The big 'ask'!
Hi everyone! Started my last diary on here back in the summer and managed to knock £3k off my debt of £12k in 6 months. Now onto what my OH calls 'the big ask'. Im going to clear all my debt (just under £9k) in 130 days, or in 5 paydays, or by April (whichever way suits u best :p ) My OH thinks its too much pressure but im…
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Starting my DMP on 1st Feb... Anyone want to join me?
Hi all DF wannabes Im starting out on my DMP on 1st feb with CCCS. I owe around £11500 to 7 creditors and according to CCCS I will be DF come 2018! So far I have sent out the notification letters, token payments and am expecting the pack from CCCS tomorrow. The only phone call so far has been from Egg credit card. We…
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Earthmother 2010 - The Sequel - 'The Simple Things'
If you love the life you live Then you'll get a lot more done Be more inclined to take the reins Than turn away and run .... So I'll cherish the simple things The easy took for granted things I don't think, looking back, that I even liked the life I was living last year, I definitely wanted to (metaphorically) run more…
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unsecured debtors cleared by end of 2010
Hi All I thought i would start a diary off as i wish to clear 2 debts by the end of the year! These total about 2k! This is my plan as of tomorrow weekly budget wed to wed: £55 to cover food n outings bank: round down to nearest £5 on mondays money jar: going to clear out n pay into bank Got enough food to last until…
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Fire Fox's better-late-than-never 2010 Money Diet
Previous diary here: http://forums.moneysavingexpert.com/showthread.html?t=1359737 As a result of a 2009 annus horribilis I am single, unemployed, £10K in debt and a failed mature student. :( As a result of stumbling across MSE I also have £10K in savings, supportive 'virtual mates' and the knowledge to help me survive on…
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'I can't think of an interesting title for my debt diary!' Diary
:wave: Hi all of you fellow DFW's. I've had the idea to start a diary, and I've thought and thought to try to come up with an interesting title but I just can't! So this is it. What you see is what you get. So I'm 23 years old and I feel a lot older! I have £12114.25 worth of debt (not including the mortgage, joint with my…
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Going around in circles...
I've amassed a mountain of debt through overspending for the last 20 odd years and now half my monthly income goes straight to paying debts. I really want to end this cycle of spending and borrowing so that I have cash if I want to buy something. I've just completed the snowball calculator and my DF date is May 2015 so…
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Time to Face the music lincs 2010 brand new diary
Ok, Well a bit about me i have only really started posting on mse in the last couple of months and i have received some fab advice thank you to everyone who has made suggestions. I have now finally paid all my credit cards off it is the first time since 2002 that i have not had a credit/store card and i am so proud of…
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I'm attacking partner's 50K debt! Ahh..!
Howdy all. It cannot be understated how integral the Internet is to clawing your way out of debt (or avoiding it in the first place). My partner has suffered for years with spiraling CC debt and because of the shame and embarrassment associated with it, has told no one about it. I've only been able to unpick the situation…
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8 months and counting...right, seems like some exposure is required!
Hello everyone, I am here to keep myself going really. I have had continuous LBM's over the last 18months or more perhaps, but keep going astray. So, I thought I needed to expose myself to some encouragement and suggestion form you lovely people. I was determined to get myself sorted out about 14 months ago, and took out a…