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A long journey starts with a single step.....
Well yesterday I faced the music, added up my credit card debt:eek: and did a SOA :eek:which I posted on the main DFW board. And the general consensus is that I dont have a clue where my money is going :o . There are some areas that I know I def overspend on - hence the grocery challenge for March but the rest is just…
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Things can only get better!!
Hello and welcome to my diary! I'll get you a cup of tea and a biscuit whilst you make yourself comfortable! I'm starting this diary with the hope that the kind people on here will support and motivate me to turn my life around. I also hope that in time I will be able to look back and see how far I have come. Last…
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I'm Betty and I'm in debt!!!
Hi everyone...I’m Betty (well call me Betty) and I’m in Debt...ill imagine you all saying Hi Betty back... Today was a revelation and a half... I knew I had debt but I though...I have a decent job...I still enjoy life...I WAS SORTED! Reality...its spiralling out of control...I’m 26 and the only thing I’ve got to my name is…
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DFSD's motivational ramblings...
'Oh no, not another diary' I hear you say... Don't worry, I don't expect anyone to really read this (!), but am going to record my progress in tackling our HUGE debts; to keep myself motivated and to record the little milestones along the way. Then I can remind myself how well I'm doing at times when I feel like giving in.…
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Room for a little one with a massive debt?!
Hey, I've been here a little while, mostly posting on the long haulers thread, but I constantly lack motivation and positivity so was wondering if starting my own little diary might help keep me focused. There are so many inspirational people on here that have helped keep me going (even though they don't know it!). I am…
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Bunny_Lover's Diary
I have decided to publish my SOA Statement of Affairs and Personal Balance Sheet[/b] Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 380 Partners monthly…
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SS's 2008 Debt Free Diary
Here we are again! :rolleyes: 2008 WILL be my debt free year. It just depends on when. The snowball calculator says December. My head says August. My heart says June. So it will probably be 2009! :p If I can earn an extra £500 a month my debt free date will be August. I think that's achievable. If I can earn an extra…
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Can't Live With This Restrictive Debt
Hey all. I've been struggling lots with my finances over a number of years and it's come to a point over the last few months wheire I am really struggling to get through each month. A friend of mine pointed this site out to me and I've been having a read and I've picked up a few ideas. Having now seen this forum I thought…
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Jamiedodger's Happy Times 2009 Diary
Hello all:D I have decided to start a new diary as a sparkly new year is here! In the last 12 months since my nightmare start to 2008, I have managed to pay back most of what I owe. I still have a bit of debt but this should be gone by the spring. I joined this site in May 2005 and have learnt so much over the last 3…
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I'm not boring-I go camping!!
Well here goes, I've been wanting to start a diary for months and never got round to it. As September is almost here and it IS going to be the month everything changes for the better, then I need to start it right here right now while I'm thinking about it!! special thanks must go out at this point to Shoe Gal , Sarahb and…
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Diary of a Wannabe Supermum!
So positive going to bed last night! i religiously planned my meals for the week even taking into account who won't eat what when and listing their alternatives! Was so chuffed to get my food budget for me and the 5 DC down to £50 even tho it did involve quite a bit of stuff I've already got in the freezer! Felt lousy this…
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Zofia's diary
Resolution for 2010 is to shift a big chunk of my debt. I have set myself a spending allowance (food, petrol etc..) of £200/mth which I've stuck to so far :) . I'm also in the process of stopping smoking which will be good for the purse (and body) once I'm off the patches :) . I'm also trying not to buy clothes as I have…
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positive mental attitude!
ok i have a main thread on the DFW board with my SOA etc and its not looking as bad as i thought - however i still need to cut back and get in some extra cash to get those debts paid off so I figured here is a better place to kinda blog (maybe to myself) about how i'm doing:p plan to switch to rollies at least during the…
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New debt free diary for 2010
Ok, so the last one failed! - but then we did have our first child and i got kinda 'busy'..... Quick intro as to our situation: Current unsecured debts: Tesco loan - 22,512 (5.9%) - 6½ years to go! Capital One - 6,900 (9.5%) Barclaycard - 5,800 (6.9%) Bank of Scotland - 9,500 (11.2%) Sainsbury's - 2,450 (19.9%) HSBC -…
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£365 in 365days - part 2 (February)
Here's the challange - £365 in 365 days. The aim: to put in £1 in a day from 1st January 2010- empty it on 31st December 2010 and spend spend spend in January 2011 sales. People are attempting this in many ways - feel free to take your pick or create your own: Put £1/ £2/ £5/ £10 at intervals into a money box. Transfer £1/…
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Dear God what have i spent it on!
have been taking a belated look at my finances and realsied i have in the region of £40k unsecured debt arrggghhhhh - £12k realtes to a conservatory but as for the rest- dinners out, holidays and a load of cr*p i dont wear................... me and hubby have good jobs so if i wasnt wasting so much on repaying this stuff…
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March is for money making & money saving
I really need to give myself a shake so here we go again. March WILL be a good month. Good points Mum's house sale goes through tomorrow so one less thing to be following up Thug who assaulted ClootiesDad has been to court & pleaded guilty so that is now FINISHED Weather will start to improve so I can make myself potter in…
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LDJ's quest to get rid of my payday loans thread
Hello, After much lurking, i have finally decided to join this site and start a thread to log my progress in trying to rid myself of the evil payday loan debt that now stands at £6616 :eek: I like to think i'm a reasonably intelligent person but for the life of me, but i wish someone could have given me a kick up the…
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Is it wrong to want it all? Ramblings and other stuff
Well I've had to change my username as I've totally forgotten my log in details, so here I am as a newbie again. I've been meaning to set up a diary for a little while, so here goes. I'm 27 and live with my hubby and little boy who is 18 months, I'm also 6 months pregnant and due to finish work in 10 weeks. We live in a…
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The revenge of the stripey socks - a DFW adventure
Well - another 'snow day' to disrupt the routine of a trying to be DFW single mum, livng her own, well with two somewhat niggling younglings, anklebitters, little darlings call them what you will. trying somehow to hold it all together with sellotape, stripey socks* and a few DFW sparkles for good measure. (*I will explain…