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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…
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Secret debt... How do I tell my Husband
Hi I don't really know what I am expecting writing on here, I just need to talk to someone before i completely break down. Basically I have been hiding a large amount of debt from my Husband, We have only been married 2 and a half years. I want to tell him more than anything but he is so against debt I am scared he will…
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Mud, floods and money worries
Well, I've finally decided to keep a diary to help me on my journey to becoming debt free. Things have become so bad now that I need to write down what's going on, just to clear it all from my brain, so that there is space for me to think without panicking or having a meltdown. I've looked and looked again at our situation…
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108 spiders are a girl's best friends
I have just lost half my income and the house has become home to some truly enormous spiders. One particularly gruesome specimen lives beneath the laundry basket and another one torments me from under the cooker. I was starting to feel really sorry for myself, but I have decided to see them as a good sign!! 8 is now my key…
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2018 Benbenandme's Next Battle
Hello :wave: It's that time of year for another new diary ... I'm not a newbie, I've been around these parts for years, never quite knowing whether I should be on here or the Mortgage Free boards, but after much consideration I have decided to return here for my next diary installment. I have previous chapters of my…
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Cracking On
Have a few previously started diaries which have fallen by the wayside oops!!! Starting a new diary and determined to keep this one going to raise awareness,again. Cracking on named after a friend who uses the phrase to get herself motivated to start. She is a bit 'full on' for me,but the sentiment is there. I work part…
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DFW IF - We can Keep Calm and Carry On
I am part of the large team of volunteers helping out during this crisis, who now number close to 1,000,000 people. I think that is absolutely incredible and a testament to the best in human nature. I would like this to be a DFW space where people can give each other and me encouragement/support and good old fashioned…
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The Travelling Fund; £10,000 in 10 months!!!
:p :p:pThe Travelling Fund; £10,000 in 10 months!!!:p:p:p “I am too positive to be doubtful, too optimistic to be fearful and too determined to be defeated” I felt it prudent to start a new diary for this new journey knowing how well it helped me in getting debt free in 2013. Announcing plans, thinking out loud and…
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Back and ready to crack on with life!
Hi, I've been a member for donkey's years under two different guises. For those that may remember me, I've had a right year of it and disappeared for a while to sort things out but I'm back now and raring to go. Just a very quick summary - I'm a 40 something fairly newly single teacher, living alone with a lovely puppy…
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LonelyRat's (not so lonely) Road to Riches
Hello everyone :) I have been posting for a few months now over on the general Debt Free Wannabe board but have decided what I'm wanting to do seems more like a Debt Free Diary, so here I am! :o I started trying to tackle my situation in June with around £7,500 of debt and no clue what to do about it. I made a basic,…
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“Debt is normal. Be weird.”
Having lurked for a long time (and posting occasionally), I’ve finally plucked up the courage to start this diary. No idea if anyone will actually read it, but I hope that the process of writing it will at least provide some much needed therapy. That is assuming this thread actually works as intended (my technological…
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Scrimping our way through
Well I never thought I'd be here again, but things happen. We had to move and buy furniture for the new place, and we have a second baby due in a couple of weeks and just buying all the little bits fpr all that and Xmas adds up. I'm not working atm, but I feel so responsible for getting us here. Hopefully this dairy helps…
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2020 is my year
Hello, Right I am going to write this diary this year to myself because I am determined to stay on track this year. Background- working mum of 2 girls. I have a husband who has a few issues of his own, depression and gambling addiction. 2019 was one of the worst years of my life and I am going to make sure going forward…
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Arrow Global
Here's a good one for you. Got a letter out of the blue from Resolvecall who have been asked by Arrow Global to collect outstanding monies from a card I have never owned and this the card was supposedly taken out by me in 2008 and the last correspondence with me was in 2010. It has been statue barred for 4 years. I have…
