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Have a house and land but still going down..
HI All, Do you all face this? I've a big house, and land that is back in India but got redundant in Uk and getting in the debt, I don't like this.Working part time bt that doesn't help much..Sould I take a loan? or sell the asset, people say due to recent prices :mad:take a loan and when the rates of land rises..sell it?…
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Wannabedebtfree's GUNNAGETDEBTFREE!!
I am starting again, I am new to this diary malarky but my attitude today has changed, I can't promise it's going to be smiles all the time but I need to be more positive, I and only I can stop this negativity that is dragging me under, I have grabbed myself by the shoulders and given myself a good shake........so here's…
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Time to get this started
Hi Everyone Well I have been an MSE lurker for a very looong time :A and have so far found it very helpful. However the past year has seen my salary drop by about £5k yet I didnt change any of my spending habits. My credit card is red hot and I now owe over £3500 on it. I dont have much left after I pay my mortgage and…
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Fresh start....
I've decide to start a fresher diary (Fresh start) as my old one was pretty much useless and I made myself feel useless.....so here's to my fresh start :D Have a busy time ahead and some decisions, working out to be done over the next few months. I've been told that I (potentially fingers crossed!!) could be working from…
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Diary to stop me going backwards!
Hi all, Just starting a new diary as although I managed to pay off my debts earlier this year, I've managed to let all my good habits slip. I've not dropped back into debt, but I'm bumping along the 'zero' line, and I'd like to start building up some savings. I found keeping a diary on here really helped me reach my goals,…
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Relax and remember!!!
Hi all, I know everyones head is battered with figures and financial worries such as me, this might sound daft but ive just been watching tv and the milky way advert came on , the one with the red car and blue car and it reminded me of the old days without a care then i got thinking about button moon aswell ,this took my…
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My Diary Aiming For A Debt Free Life
Hello Everyone, I am 29 years old and live with my partner and son. I am a self employed freelance journalist / copywriter. I am also branching out into photography. I am currently studying some home study courses and due to start training in vet medicine in September. I had my lightbulb moment a couple of weeks ago. Here…
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Running a half marathon in 7 weeks!
Hi, I would like to run my local half marathon on 29th November! I am scared! will i be able to train intime? I used to do lots of running, but have never run this far? I did the 5k race for life wihtout practicing & it took me about 45mins!:eek: I am planning on trianing, its hard now because its dark when i leave &…
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Help!
Our joint liabilities :mad:- Mortgage £215,000 (House only worth £180,000! but we arent planning on moving!) Interest Only £1100 per month 23 years left Loan £22,000 Repayment until 2014 :eek: £372 per month Credit Cards Halifax £7,150 Current Rate 16.94% Purchases (Int £10.96 pm), Balance Transfers Prom Rate 6.95% until…
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Rocky Road to Debt Free Wedded Bliss!!
Hi to all that read my diary! My story is this.... Me and my other half are due to get married in a few weeks! We still have approximately 5000 grand to pay off the wedding, some of which we have got saved up. We recently looked at borrowing money to help us out and were shocked to be refused! After looking at our finances…
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Saving in September? Try our NSD Challenge!
Some of us have found that this little fun challenge has helped curb our desires to splash the cash. With it being two thirds of the way through 2009 & that nasty assault on our wallets just 115 days from Sept 1-Dec 24th I know that I for one,must try to keep some control over my spending :o If this sounds familiar, read…
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Tepeca's Fight Against The Cards...!
Hi guys, Long term viewer and only just posting :) (It's my daughter typing it up as I dictate as I'm not very articulate or a fast typer and by the time I get it out I'll have forgotten what I wanted to type!) It might come across as a little disjointed as I'm trying to get everything out at once. A bit of background…
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TestCall's First Steps
Hello everybody! First of all, I've been a lurker here for a very long time. Thanks to everyone who's posted on these forums, you've been very informative. Now, let me introduce myself. I'm male, 21, single, blue eyes, brown ha... oh wait that's not very relevant! I live in Surrey, and I have two jobs - one full time and…
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My Life (Part 2)
Hello out there, Yet again I find myself not just in debt, but struggling with every aspect of life. I've had enough of living like this, once and for all, but realise I can't do it on my own. The current situation: I'm off work long term sick with a spinal problem. I'm on SSP and at long last have received housing…
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Out of my depth but taking my first step.
Well I figure I might as well document this here as well as anywhere. I think its fair to say that in the past I have been pretty blas! about the ammount of personal debt I've had - I seem to recall somewhere in the sdistant past I heard some great oracal say "as long as you can finance your debt there's no problem" -…
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The Blonde-crazy-cat lady-book club-odd bit of MSE-thread part 5
Evening All, I have attempted to start new thread as usually we have all talked too much and will be getting told off soon! Hope you all find it.
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mrsinvisible is lost again!
recently posted soa and got 2or3 replies for which i am grateful, but as i'm not good wid technology i cant seem to find them or the soa or my reply so i dont want anyone to think i'm not grateful, but i cant 'navigate' these sites. Can anyone help? xx:confused:
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Tentative Steps start the road of recovery..
Well, here I am, on the first day of the rest of my life, starting again I suppose you could call it, with a new, fresh vision for a brighter future - something which I thought I had lost a while ago. I will introduce myself, I'm 24 years old, and run my own online business. I got myself into this mess by spending too much…
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Gawd, I need a diary ..
Just got so much stuff this month that I need to keep track of ... Things I aim to do every day this month (just in general so feel free to ignore) 1, Do free scratchcards every day .. AND .. not spend a penny of any of it to let it build up. Littlewoods - £ 9-75 cash 6 Oct - winnings = 60p, total = £ 10-35 TAB (me) - 27p…
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surviving recession!
:eek: Hi all, I've been inspired to join the growing band of diary writers, so here goes. A bit about me first. I am 52, nearly 53. Live with my partner. I am recovering from M.E and only able to work 12 hours a week. Love all things homemaking, arts and crafts and money saving. Bought Martyns books last year and was doing…