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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…
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Making money make sense
So i feel a bit cheeky being here as I'm not in debt with credit cards etc. I have a student loan, but I don't earn enough to make payments and I appreciate the view point of seeing it like a tax so it doesn't concern me. I did recently have to pay back £2.5k in housing overpayment, and thankfully as I had about 6k I could…
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Sept 2021 - The debt free longstop
Hi all - a few of you might have seen my original post on DFW, that can be found here: https://forums.moneysavingexpert.com/discussion/6108143/help-with-cc-debt-please-general-advice/p1. I thought this would be a good idea to keep track of things and to stop annoying everyone by bumping up my original post :) Also, I can…
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Tidying up the mess
I am trying to find ways to get me and OH out of the debt mess we are in. I became self-employed a few months ago and my credit card providers wrote to me to reduce my credit limit to just above what I owe. This was worrying and I'm now thinking they might call in those debts at any moment. Me and OH then sat down for the…
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5582.54 @ 0%
I have been on these boards for years. Some of them under another name which I can't remember! I do try and venture out onto the other boards but it isn't the same. I feel at home here. So down to the debt - we, me and my partner, were £20k+ in debt in 2016/17 and are now finally down to the last debt, i.e.: £5582.54 @ 0%…
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Getting the job done......
Hello everyone:wave: I meant to start posting that the beginning of 2020 - a new decade and all that but here we are and it's February already. A little about me.... I'm a 48 year old chap and live on my own in the North West of England. I have my own house and generally I'm doing OK but recently, my age has been weighing…
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Round and round the overdraft....soon to be no more
Having lurked and read quite a few diaries I thought I'd start my own. If it's down on paper then I can read back and see my progress (or not) My debts aren't massive but my bugbear is my overdraft as I do believe if I can get that sorted everything else will fall into place My debts are: £400-500 overdraft every month…
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Time to Knuckle Down
I had an account on here before the Great Forum Change, but resolutely ignored all reminders to make sure I had access to my email so that I could reset my password. So, this is a fresh start. I was getting nervous about anonymity anyway. A little about me. I live in London with my boyfriend and we have just exchanged on…
