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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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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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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…
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Finding the way through a £100k hole
I'm a long time lurker, and a person with long time financial challenges! I'm self employed with a now-profitable business, but went through a very difficult period which has left me with with a legacy of debts that I'm desperately trying to work through. At its height, the struggles were bad enough that I resorted to…
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Can i ask a question......
..........could I maybe change from compulsive spender (Hiss Boo!!!) to reformed saving saint (buffs halo) Quick intro of me (as it can get a bit boring lets be honest here) Late 40's complete with DH, DD's x 2, full time job & fur baby kitty kattington. I've been rather rubbish with money all of my adult life and had a…
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Attempt what seems to be 6778676786
I seem to have this really weird relationship with getting debt free - I'm either on the wagon and busting my debt like no ones business or not only do I fall off the wagon, but I send fire to it and shoot all the witnesses meaning I run the debt back up. *deep breath* so here we go - again - and I know what your going to…
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Not in control
Hi, Coming back after a few years out. I would do a SOA, but the bills, food and mortgage expenses are paid by my wife - I pay a contribution. What would the best way be to start? thanks! EDIT: I have 2 credit cards and 1 personal loan and I want to be debt free, using my money instead of money I don't have!
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“Life is what happens to you while you’re busy making other plans” - the second instalment.......
So it appears that something weird and wonderful happened to my profile with the switch to the new format and for some reason I’ve been unable to retrieve the “Seahorsey” profile but weirdly can access a dormant profile from 10 years + ago when I first discovered MSE. So I’m back as Seahorsey_thesecond! Long story short,…
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Flo 2.0
Hello everyone! It is a new year and a new diary. My previous diary, entitled 'Flo's Debt Free Diary' started on 6/12/15 when I was about one bad decision away from financial ruin. I didn't realised what it was called at the time, but it was clear I had had my 'Light Bulb Moment'. My credit card and overdraft debt at that…
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My Debt Free Adventure
I am starting this diary with a positive attitude, hence calling it an adventure rather than the somewhat more apt absolute nightmare. I've been trying to get my debt down for the last couple of years but there always seemed to be something getting in the way - including, but not limited to, my blatant overspending. As…
