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The start of a long journey.........
Hello and welcome to my diary….:wave: I’ve finally got around to writing this, despite having my DMP lightbulb moment in July 2016 and contacting Stepchange for help. I’ll probably waffle a lot so sorry if you get bored but I like to talk and quite a lot has happened during my journey….. So, like others on here, this is my…
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My Snowball Diary
Hoping this helps. Looking to pay off all my debts before I reach 50 All my accounts are set up on token payments with no interest or charges being incurred so will be hoping to make the token payments each week and if I can afford it paying extra too I am 50 in 480 weeks so have worked out I need to pay £23.04 each week…
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No way out of debt
Please help, I am feeling really really lost and overwhelmed. I made some really bad mistakes 6/7 years ago and I’m in such a mess as I buried my head about it. I have around £22,000 in unsecured debts, all with defaults. I earn £1200 a month and have a spare £37 a month after I’ve paid for my basics such as bills,…
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My second-to-LAST wannabe diary
I've not been on here since the end of 2016. Longer than I even thought, and what a lot happens in that time! I'm writing this down just for me, to keep me on track and to celebrate our successes. I think we are fairly typical of a young family these days, and the only way to be better is to not accept that as good enough!…
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DrSpendingLittle's New Home - staying accountable and responsible
I think this is the right way to start a new debt free diary... :# I can't access my old diary 'Reducing Debt - being accountable and taking responsibility' as my account can't be accessed / logged into :'( :'( But, fear not, I've set up under this new yet familiar identity! B) I am (still) debt free and in the early…
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overwhelmed new member
This is my first visit and somehow it feels like a big step ! I am a, relatively new, single parent. Massively in debt .... I reckon I should have it all paid off by 2099 .... Your stories , helpful members & tips look like they may help me to begin the long process of sorting this mess out. Emotionally , finally in a…
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Diary of an ordinary mum
Aarrgghhh!! Glad I got that off my chest :) Hello, ordinary mum here just trying to keep everything above water. Debts are totalling £12k which is being paid off via a Stepchange dmp. I've been doing this for about a year now so I've a review coming up. It's been difficult on the dmp I went straight into it, no savings,…
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Time for change
Good evening all. Im new here and I have been reading some of the threads in this forum and felt inspired to start my own journey & thread. I have been constantly living well out of my means and have just slowly built up a debt of around 26k on loans and cards over the last 10 years...it cannot go on! I want to draw up an…
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Starting A DMP
Hi As you can tell I'm new on here but have been reading alot of usefull threads. I am in the process of starting a Dmp, but am confused about somethings, so hoping I could get some advice.. So I am ready to send off all documents needed to Step Change. But confused about when I stop paying my creditors & my overdraft is…
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Plan to clear £34k debt mountain
As is the case for many of us, this COVID situation has prompted me to finally get my finances in order. I’ve made many attempts to do this in the past, but the limited amount I normally have left at the end of each month has meant my progress has been slow and, to be completely honest, has led me to give up many times. I…
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30 with 30k of debt
Hello, I thought I would start myself a diary so I can be more accountable for my spending! I had 3 children in 3 years and I feel with maternity leaves and me working jobs to fit around little children we just added to our debt every year rather than paid any of. In January this year we decided to take all 5 of our credit…
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Staying Debt Free despite huge income drop
Hi, was previously on here as igaveupnowimback but couldn't get signed in so had to create new account. Have had to change jobs - first time in my life was in a relatively well paid job - but have had to go for one with less hours - so will only manage to cover outgoings and probably need to apply for Universal Credit too.…
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I paid a discounted debt. Now they say it was a mistake and they want more.
OK The short version is. I had a CCJ against me. I was offered a discount if i paid in full but i was unable to do so and i was paying an agreed amount of £10 a month to Lowell. Recently i asked if the discounted offer still stood as i was now able to pay a lump sum. They offered me 50% off the amount still outstanding. I…
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Student loan should I repay?
So I have worked really hard to be mortgage free and I currently owe £3269 on 0% Credit cards I also owe £2250 on my student loan. I know you are advised not to pay these off but mine has interest on it compared to my 0% cards and it’s small, i am likely to pay it off as I’m just 50, I work in nhs job so fairly secure .…
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We love maman!!
This thread is a tribute to our friend and fellow MSE member maman, who has (sadly) left MoneySavingExpert, temporarily we hope! We just wanted to say a few words about how much we love her and value her MSE friendship over the 12 years she has been taking part here. Maman is helpful, positive, kind, down-to-earth, funny,…
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The times they are a changing.
Having been inspired by reading the stories, and actions on here. I'm turning my debt life around, to one of frugal choices, thoughtful purchases and self control. Having had debt all my adult life, it comes and it goes, but I never really fix the issue, my approach to it. So my goal is to be debt free in 6 months, and I…
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Taking off the yoke
I want to start from the beginning, so let me go back in
time a bit to 2014. 2014 - The Bad Old Days My wife and I had been married for nine years at this point.
We had a deeply loving relationship and a beautiful boy, so in the most
important respects, we were doing really well. But in one respect, we weren’t
doing well…
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Rambling Man's mutterings.
Right, I already have a diary but haven't visited it in at least 2 years, so time to start a new one. A little bit about me and my life. Since November 2018 I have been an agency worker trying to scratch a living whilst attempting to gain permanent employment. I also lost my mum on 31/12/18 and so have inherited a dog. As…
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7 years lack of control ... 18 months to regain it
I’m not going to go into too much detail but I’m £14k in debt after 7 years of no control , living for the moment. I’m getting married in 18 months and H2B has zero idea of my financial situation and I refuse to get married with this hanging over my head. In the last week I secured a new 0% BT card for 22 months and had an…
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Happy day today
Today I held a card card cutting ceremony with my wife: * MBNA with 10K Limit. Part paid off and part transferred to a 0% card. Account closed. * MBNA with 7.1K Limit. Paid off and closed. * Santander with £6.3K limit. Part paid off and part transferred to 0% card. Account closed That leaves three cards to go, only 1 of…