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Stop burying my head... £20k and nothing to show for it!
So here is my first debt free diary. I’ve been over committing my time and money. Living way beyond my means with my head very much in the sand. Not opening letters and kidding myself it’s all okay as I pay by DD so I’m never behind. Reality being I was too scared to know the figures, I was living beyond my means, spending…
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Keeping a diary to remain on track!
Spending time in lockdown has allowed me time to reflect on our finances and current priorities. So, I have decided to start a diary! I have started with a SOA on what would be a typical month, providing we weren't in lockdown. Whilst I am not concerned about our level of debt, it has always been a personal desire to have…
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Taking back the control
So here goes ...... I’ve been a member of Mse for a number of years under a different user name, not always active and just tended to dip in and out, reading peoples diary’s for tips etc but have decided to take the leap and start a diary of my own, I’ve spent the last couple of days reading some diary’s from start to…
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Real Life, Dating and Money!
Hello, So had a thread on here before and well updating it or not it kept me focused. That's what I'm lacking at the minute - focus. I'm in the train of thought that if I overspend here and there, it will all work out. Yeah so turns out it hasn't for the last two months and now I'm in well and truely in my overdraft! I've…
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Time to start taking this whole adulting thing seriously...
Hello! I thought it was about time I made my own diary, as I spend so long pondering other peoples! Really inspiring so thanks everyone! So how did my debt all start...University! It went from having an interest free overdraft and splurging on eating out, nights out and clothes! Then from this I discovered the glorious 0%…
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This Duo's debt free journey
I had a previous thread but having problems locating it so thought I would start a fresh one. Brief intro, the duo is me and my little one, just over a year ago my debt was at a figure of around £12k, as of today it stands at £6124.40. This is made up of 2 loans (one car) and one credit card which is 0% until April 2019.…
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Closing a payday loan account!
Hi all! My son has a payday loan and is trying to close it !! But every time he asks how much it is to close.. they tell him its. X amount , he pays it they tell him it’s closed and he will get confirmation that it is closed . The next day he has a message saying he owes more !!!!!! Can anyone help to get it closed for…
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Just turned 30 and decided I need to sort my life out
Hiiiiiiiii Please be gentle, this is my first post :) Below is my SOA to give a little background Household Information Number of adults in household3 but i am in house share so 1Number of children in household0Number of cars owned 0 Income, Expense, Debt & Asset Details IncomeAmount(£)Monthly income after tax1600Partners…
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Determined diva's get outta debt diary!
Hi all So I thought I would start a diary since I have just joined this site to keep me on track and get rid of this debt once and for all! So here goes...... Facts about me: . I have been in debt for 14 years ( up,down,up,down) . I recently got back into debt to help a family member who was about to get re possessed due…
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Let's start at last!
Probably one of the longest lurkers on this board, just checked and the only post I ever did was back in 2009! Feel like I know some posters personally - sounds dreadfully stalkerish but it's true after reading their diaries for many years. So many things I've read though have got me through some very tough times and to…
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Finally i’m debt free!
This feels like a slightly odd post to be putting as my first ever post on this forum, however it also feels the perfect place to share my story. I’m Dave, i’m 27, and for the past 7 years I had been in debt, it all started in 2013 with a credit card which I got solely as “protection” for going to Las Vegas in case of…
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517 Days before I turn 50
Dear Diary, I really really want to 'turn my life around' by the time I hit the bit five-zero in 517 Days. I want to wake up on that milestone feeling good about myself !! That hasn't been the case for quite a while now. Moving forward though, with baby steps, I'd like to tackle debt, rebuild my ebay business, get to a…
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DD flies the nest ..how to cover uni costs
Well restarting my diary ,I'm turning fifty this year happily married two kids still alive healthy and nice ,I've now got people around me who have lost their kids through illness and to be honest my only concern is how to help her pay for uni .We are in Scotland but she wants to live out and because of income she will get…
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My life in debt
Here’s the thing – I’m 44 and I’ve been in debt my whole adult life. After my parents split up when I was 10 my mum had very little money. To this day I still hate tinned meatballs and cheap sausages. Anyway I went to uni and suddenly had financial independence, well a student loan and overdraft but it was money available…
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Time to stop spinning all these plates
Having seen how having a diary on here has helped so many people I have finally decided to start my own. Hopefully getting my debts out of my head and written down will motivate me to sort things out (and improve my sleep/reduce my anxiety). Here is the mess I want to sort out: Loan (5.7%) £1525 (18 payments left @ £88)…
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Not sure where to start...
I've gotten myself in a bit of financial trouble I guess. I had cleared about £10k of debt over 2 years, using tips etc from this forum. My credit rating was higher than it had ever been and I started working as a childminder. I had some extra income, and then my car broke down, I'd paid £1800 which was all of my savings…
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The Fight For Financial Freedom
Soooooo...It's been a long time coming (time in which I have buried my head & staved off in all manner of insensible ways), but thanks to Covid 19 & the crisis that has currently gripped the world, the poo has hit the proverbial fan. This has forced me to properly acknowledge the fact that not only have I racked up a shed…
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Passenger in Life Take 2
So my last diary lasted for about 2 months and ended May 2017. It’s so bad that I don’t even remember what I have been doing for the last 3 years 🙈 so this is my second attempt at trying to get my life & money sorted.
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Millionaire in training has a new name
Hi folks. I haven't been on here in a long time. I can't even get in to the account I was using most recently. So I am going to look at this as a fresh start and get my life in order once and for all. I'm a single 54 yr old female. I have two grown up children who still live at home but both wanting to get their own…
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Crunchy's Final Debt Free Diary!
Hello everyone! Yesterday I celebrated 4 years of keeping a diary on here! So much has changed in that time. We have moved house twice, welcomed our daughter into the family and paid down a whole lot of debt and also racked up a whole lot more. Last year we managed to pay off around £12k of a loan in about 5-6 months and a…
