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It's complicated, but I'm optimistic.
It's been a long time since I was last here. My life has had some (admittedly self induced) turmoils in the last year. They're my issues and complicated, involving the end of a long term marriage. I feel a bit like a 'landed gentry' with a stately home asset rich, cash poor. And fairly heavily in debt. When I walked away…
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5 Years Free
Im a bit of a fraud, I have debt in the form of a 127K mortgage but none other. My marriage is over, and I have nothing but I have a plan. Background for context We did everything the wrong way round like many couples nowadays moved in together, children, marriage then purchased a house. Its not been a been a bad life we…
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Let's do this!
Hi everyone :hello: I've been a member on the forums for some years, but not been active for a long time. I really want to get myself out of debt and feel that keeping a diary will keep me accountable so I came over here :) My debt has accrued since my 20s where I think I bought things to fill a void without being able to…
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Finally found the strength to get debt free 💪
I've come on here a little into my debt free journey but I still have a way to go so I want to stay accountable for motivation. I started this year with £9850 debt. I was shocked when I added it all up in January, and after years of vows to do something about it, I finally decided it was time. RBS overdraft £1250 NatWest…
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New year, New diary - New me!
Hello everyone :) I’m back, this is my second diary, my first was very short and self pitying. I am a full time working mum with 3 beautiful girls aged 15,12 and 5 and I have way too many pets (but I love them even though they cost a fortune and will have everything they need but I will not be adding anymore). Having had a…
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Elderbridge
Has anyone had any dealings with Elderbridge Financial, took over from First Plus. I am in debt management plan £37000 left to pay want to pay it off and Elderbridge want £60000 on top in historical interest. Just when finally I was debt free,, this happens such a low point in my life now .
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The future is bright
I'm Birdee and am on a debt free journey. I've been adding to my debt for about six years, with the last two years being completely disastrous. My spending was out of control. I had completely buried my head in the sand. I was suffering from lots of self hatred and I just assumed I didn't have a future, so why did I need…
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One year on from lighbulb moment
I've not posted in such a long time but I am still on track and the debts are going down :smile:
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2021- The year of the DMP but hopefully better mental health!
Hey! Well where to start? My mess? Well the mess looks like this... 8 creditors owing about £27k...creditors are a silly consolidation loan, 3 CCs, 2 catologues, Next and 1 store card....no excuses I built the debt up by not being sensible and mainly not changing my habits when I went on maternity leave 5 years ago and…
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Keeping focussed
Hi all, very long time lurker here (maybe 7 years!). This board has been an absolute inspiration over the years and debt had risen and fallen - but I’m nearly there. So thought I would do a SOA and see what you amazing people can spot for me on my final push to be Debt Free. I have no Mortgage and own my house. To avoid…
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Another debt diary
A bit of a monster to get through as I enter my 40's... There will be a drop as my regular tax saver comes through next month, which eats into the % paid of the LBG account the rest of the cards are low interest of interest free - next card to tackle is the Halifax one followed by the Virgin card... Payday is mid month so…
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This Will Be The Year!
Hello there *shy wave* I thought it was about time I joined. At the moment my debt total is a somewhat scary £7.5k (guesstimated but will sit down tomorrow and work out the definite figure) and this time last year I was almost debt-free, so it’s time to sort it out once and for all. About me... I’m 29 years old, rent with…
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Taking control
I’ve decided I’m finally going to take control of my finances! At the age of 36.5 it’s time. I bought my house on shared ownership in Dec 18. What I knew then but didn’t do, is that I needed to budget and stick to it. I’ve never been good at it, ever. But I never had the worry of paying a mortgage either. I was fortunate…
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Purchasing a refurbished property
We are currently negotiating to buy a house which has been refurbished. A private builder completed all the work. The guarantees for the heating and newly fitted flat roof hold the builders name. We are led to believe these guarantees aren’t worth the paper they’re written on. How can we protect ourselves ? Can the Vendor…
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what a year!
Hello, I haven't posted in a while! But I thought I would update everyone on my situation since my last post! (It's not good!) Furloughed for 3 weeks Grandad passed away Sister currently has Coronavirus! Cat cost me £1400 in vet bills! :o Long story short, I'm worse off than I was last year! BUT I'm determined to get my…
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Building a Brighter Future
I have decided this year to give my life an overhaul. We are comfortable, we have a small amount of debt (£6k), with about £15k in savings and we overpay the mortgage by £600 a month. Our joint income is about £5,500 a month and I honestly don’t know where we spend it - we should have about £1.5k a month spare after the…
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Waiting...
Hello All :)
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Becoming a Frugal Dougal
After nosing through a few of these threads with great interest, I have decided to create my own! Hopefully one day I will be able to look back and see how far hubby and I have come. And when I say Hubby, I mean mainly me. When we met, he lived in a house that he had saved a very large deposit for. He has always been good…
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For a Simpler Life!
Hello to everyone! I have been reading through the diares for some months and gaining lots of helpful tips and ideas. I thought it is probably about time I commit to my own diary. I dont expect it to be the most interesting of reads, but I am hoping it will help to keep me more focused and accountable. A bit of background…
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2020 time to change
Hi there, I’ve been lurking for a while and have decided to overcome my online shyness and start a diary with the hope it will keep me on the straight and narrow. I had my LBM about 2 months ago and have read a number of diaries which I have found inspiring. I’m amazed that I let myself borrow this much money without any…
