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2020: Becoming a Saver, Not a Spender
Yes, it’s me with another diary ;) However – my previous diaries were all about busting the bad debt. Mid-2019 I was “Determined to do it” and now I am “Becoming a Saver, Not a Spender”. In around 2 weeks, I will have paid the last penny to my £5k of “bad” debt I targeted in 2019, this year will be all about paying off my…
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Single, six kids and going to be debt free!
Okay, so I finally decided to face up to my debts and now my income is pretty much stable, I can now budget and work out how much to pay. My soa is below and I believe I have budgeted for everything. I know I have a big surplus but this is only recent and from the new year I want to start paying everything off. I know that…
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Being a mature student, a very skint one..
So I've decided to start a new diary, as of September I'll be a full time student again at the age of 29. I'm leaving my full time job, giving up my rented flat and moving across the country into a shared house. I seem to have been in debt forever, I won't sugar coat it I've made some pretty terrible mistakes in the past…
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The pink and fluffy journey
First time poster, long time reader here! Im inspired by all your journies! I wasnt sure if i needed to do a diary or not, but it seems to be all consuming at the moment so hopefully being able to write it down will help. So a bit about me.... i live with my OH, we were due to get married this year but 3 weeks out we had…
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Dave Ramsey UK?
I am 20 years old and completely new to the financial world so it is a little daunting jumping straight into it. However, I decided to get control of my finances over lockdown and I discovered Dave Ramsey (for those who don't know he is an American financial expert although he talks about much more than just finances). I…
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Very Scary Times......
Hi everyone I've been thinking about whether to start a new diary for a little while now, but decided it would be good to have somewhere to write about everything that's happening at the moment. I've been on these boards for a long time and have got friends on here, even if I haven't been posting that regularly this past…
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New Diary - New Hope
If you've clicked on to this post then thank you. I have been reading posts on here for years but never plucked up the courage to actually have a diary myself or comment on others. What's changed? I have been in debt all of my adult life (now approaching 40!) I have spent so many days and nights worrying about money,…
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Molehill currently feeling like a mountain
Hi All, I've decided to start a diary on here after reading lots of other peoples inspiring stories. My debt is pretty small compared to others - just under £400 on my Nationwide CC, but I just can't seem to crack it. Basically for the last few years I have been living beyond my means - spending every last penny of my pay…
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We've all got to start somewhere ...
So nearly 12 years after last using MSE to become accountable with my debts and my spending I'm back and ready to start again. Since then I've got married, had two children and bought a house so it's a new username, new SOA and a new start. SOA isn't 100% accurate yet as I need to chase the details on some of the loans and…
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From £19k debt and no income to (hopefully) debt free within 2 years
Where to begin? I'm 29... I spend the majority of my 20s in education and living out of my means. I acquired fairly large amounts of credit for someone who had virtually no income in this period. At first it was manageable, swaying between £3-6k and I'd meet repayments mostly due to cushy 0% interest periods on large…
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A Year To Clear
Well, where to start? I’ve managed to get myself in a mess, again. Not the first time I’ve gone down this road but absolutely definitely the last time. I’m going to use this diary to hold myself accountable and try and work out why I keep doing this to myself and worse, my kids. I think in trying to give them more they’re…
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Keeping on track after Covid
I'm starting this diary as a way to stay focused on clearing our debts after the current situation is over. A quick introduction, I'm 35, my husband is 36 and we have two school age children. We have been trying to get out of debt for years, but it was slow going due to our expenses and relatively low wages. We earn just…
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Diary of a 30 year old's journey through a DMP
Hi Guys. So long story short. I'm a 30 year old married man & extremely happy with my other half. We've been together over 10 years and I couldn't wish for better. Recently we found out we're expecting our first born child (we've been trying for 2 years) ... I was obviously over the moon, and just as my emotions hit their…
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Munchin's moseying out of debt diary....again
Afternoon :wave: I've decided to start a new diary because I just wanted a clean slate and I aim to be debt free by December 2020 if not before. A little bit about myself - I'm single after the end of a very long term relationship but I'm a happier person now. I kept custody of the furbaby (dog) and now live at home with…
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I've done it again....
After clearing about £28k of debt, incurred through bailing my ex out/ coerced into taking out loans/ credit cards etc. (he cheated on me - we broke up). My credit was ruined due to about 12 defaults & a CCJ as I couldn't afford the minimum payments on my own. Slowly paid it all off using full & final settlements. The…
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I'm new and on the road
Starting this thread as a way to encourage myself to keep on going, if it's out there for people to read then surely I have to stick to it. Me and my husband have been together 18 years this year, we have 3 children, we've had many financial problems over the years, mostly due to being irresponsible and I'll health, last…
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Reformed shopaholic? please can you give me the benefit of your advice
Hi all, :o all I did was join a simple straight forward January 2010 thread for giving up buying toiletries and makeup until I had used up what I already have. That one simple act, plus a few other things in my private life have led me to have to face up to the fact that I am a serious shopaholic and I need to stop before…
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Wendy's "To get it out of my head" Diary
Hello Ive been toying with the idea of my own diary for a while to help when I cant stop thinking about something and to track my progress and any blips. I am in overspend on my Budget for allowing some luxeries (sp) just need to make sure not too many! I have had depression on and off for years so I dont want to be too…
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12 months to be debt free
Hi all After being an extremely long term lurker of these boards iv finally plucked up the courage to start my very own accountability diary. My light bulb beamed brightly about 12 months ago and I made some good progress, til life got in the way AGAIN and I'm now in a worse situation then when I began! I'm a serial…
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Onwards and Upwards - Next Steps!
Hi all, I’ve been a member since 2018 and these diaries used to be an incredible
amount of motivation and support for me. When I first joined around October
2018 and started my diary (if anyone is interested https://forums.moneysavingexpert.com/discussion/5907732/curbing-my-impulse-spending/p1), my debt was at £6967.79…
