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Plan of Attack
Hi Guys, As promised here is my new diary. The plan is to become debt free (AGAIN), and then get a deposit together to buy an house, getting myself on the property ladder is my number 1 priority now, you could say I have become obsessed with it, but as Rome wasn't built in a day - or so the saying goes. Some of you may…
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Best way to do things
Hi Guys, I'm after a little advice if possible, I have some outgoings and I want to save a deposit for a mortgage - and I don't know which way around to do it. So my financial situation currently reads as below Council tax debt £2431 (paying off at £304/month) no interest Car Finance £13,171, £399 per month @25% apr…
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To close accounts not being used or keep them open?
Hi All, Thanks for reading in advance... I have recently taken out a loan and paid off a few credit cards. I had some already open (with 0 balance) and others i have just paid. I now have 4 accounts all with 0 balance. Im not sure whether i should close them and just leave accounts with balances on or keep them open with…
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Mrs S.....life after debt
I've been on here for 4 years now (I think I actually had another name before so it's actually longer). If you're super bored, here are my diaries so far! Diary 1: MrsS is getting serious https://forums.moneysavingexpert.com/discussion/5045594 Diary 2: Debt free before 35…
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Crazy Cat Lady Chapter 4 - The Aftermath
Morning readers - long time and new. I thought that with a new decade just round the corner (tomorrow) and the fact that my old diary has gotten very long now then it was time for another fresh start. I really hope that some of you have followed me over here, because I find it really supportive to know that so many of you…
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Dolly's Diary
Hey all, Been here before and managed to get debt free and mostly I've stayed that way. I've just bought my flat so I am waiting on the mortgage balance to update on my online account which will happen in a few weeks then I can start on this DFW journey again. My Debts £TBC - Mortgage £0.00 - Sainsbury's Credit Card (SBCC)…
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£67,031.92 is a frightening number indeed....
£67,031.92. Seriously. £67,031.92. That is a SCARY number. I can't believe our debt has peaked (and it is the peak, I am determined) at this level. Our light bulb moment actually happened a few months back, but it's taken since then of wrangling utilities and carefully watching out income/outgoings (using You Need a…
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6 debts down, 1 to go!
I am not quite ready to start this new and final diary (my 3rd diary) but I want to get this ready to motivate me for when the time comes (July 2020). I first came here in 2018 in a right old pickle. I had 7 debts in total: 1) OD 1 £1000 2) OD 2 £750 3) CC1 £3000 4) CC2 £2400 (Maxed out on those 4 debts). 5) LOAN £6500 6)…
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Caravan on my Driveway.
I have just returned home and there is a caravan parked on my driveway. I have been away for 5 days staying with my son. There is a registration number on the caravan. Can anyone please advise me the best way to get this van removed.
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Payplan- a success story.
Long story short and one that I guess is very familiar, I got into trouble when I was younger, hard. I guess I was never really taught about money and hit credit like it was going out of fashion during the payday lending boom a few years back now. I had been in denial for years, a familiar story of borrowing from one…
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If we can get through the next 10 months….
hi everyone. we had our Lbm this week. It's a shame it didn't come sooner but at least it's shining now. Hubby and me have both got horrific credit ratings (we're in the really poor bracket). Bad habits and no self control, coupled with living in a money pit of a house, a car that almost permanently needs fixing and some…
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First day of the rest of my life
It's taken me a while to realise that I need help/support/kick up the butt with my debts. I thought I could keep everything on track, and that I had a plan... a good plan! Well sadly that wasn't to be, as mental health took a turn for the worse at the beginning of the year, and instead of my total going down, it was going…
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Paddington's Debt Free Journey
Hi All I'm new here and thought I would start a debt free diary to try and keep myself motivated. I currently have the following debts:- £750.00 Tesco CC, £2,570.00 Virgin Money and £3,360.00 to MBNA making a total of £6,680.00. I'm fortunate that all of this is on 0% and I have worked out my monthly payments so that all…
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Facing up to the limitations of my life
I took out a loan as part of buying a house that had lots of category three repairs that needed urgent attention but the repayments meant things were tight and I let that notion slip every now and again so now two years later I am maxed out on my credit card. Nothing major but just no 'cushion' and the occasional 'sod it'…
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Young and naive mistakes
I have about £6369.68 in debt with credit cards - luckily no defaults/CCJ's and they're both on 0% at the moment (Barclaycard ends in a few months but I'll do a balance transfer). I've got to make a change in my life. Back Story I started working just before I went to Uni - I was young, in love and didnt really understand…
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Buffy takes it 6 months at a time
Hello Everyone, I have now been out of debt for 5 months due mainly to a tax rebate and some PPI money plus me actually using a budget especially for Christmas and the summer AND sticking to it for the first time ever. Life itself is very unpredictable here so I don't want to set out a grand plan and have it fall apart due…
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Save more to work less.
Hi all i have been part of this forum for 11 years. I still have debt and it's being chipped away at. I work 36.5 hrs and i am dropping to 32. I will have few short days a week which will be nice. I don't want to work anymore hours to get more money as I feel this amount is what i am mentally capable of at the moment. I…
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Lilt, Jellytot and the Archangel
So, here I am again... Almost debt free. I’ve been paying down debt on a 0% card and it will be gone in 6 months or less without accruing interest. But in the meantime, I keep going into my overdraft, spending £125 a week on groceries that are mostly ending up unused, in the bin or the freezer. I just got through a…
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The 44 month plan!
Hi, I've been a long time lurker on here and have learnt so much about paying off debt and making smart choices. I need a little bit of accountability, so have decided to start a diary. If anyone is on a similar time scale maybe we could support each other? I have a fairly significant amount of unsecured debt, about 31K…
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Trying to get my debts off my chest.
This is probably the 4th attempt at this. At the beginning of this year I had a overdraft of £3000 that I was fully using and a credit card debt of £6000. Over the past 5 years I have been living beyond my means and also, bailing out my OH which I realise is terrible. He currently owes me over £2000. I got completely…
