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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…
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A little scared but ready to make a change
Hi all, So I guess I'm not too sure where to start. I'm 26 years old and I am about to start a Debt Management Plan. My finances have gotten so out of control that, for the last 3 weeks I've felt very much like I am spinning out. I am just finishing up a Master's programme at university and, when my student loan stops, I'm…
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Maternity pay and a wedding...
Hello! I've been lurking for a really long time and have finally decided it is time for me to make myself a diary. I am not technically 'in debt', but I have a wedding booked for May 2021 and am about to go on maternity leave with my second child due in a few weeks, so it is more of a diary to avoid the debt coming as…
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Pulling my head out of the sand...
Hi all, I am starting this thread for my accountability of my debt but hopefully to help with my mental state in managing the process. I had a little bit of a mental break down this week and it’s forced me to admit I need help to get things sorted. (Cried all week, not slept, loss of appetite- the works!! I have since…
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Dear debt, it’s not you, it’s me...
I’ve finally had my LBM & I’m simply sick of playing the debt game, so this is my ‘Dear John’ letter to debt as the time has come for me to make more appropriate choices & stop wasting money on interest rates & spending more than I earn. My debt levels have swung from very high to very low over the past 20 years & now…
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New year plus new decade equals, new diary
More details to follow but here we go, I've started it! Goals for 2020 are as follows: *Keep up to date with my penny a day jar (towards DMP) *Keep up to date with my £1 a day jar (towards Christmas 2020) *Daily Tilly Tidying (rounding down the pennies in my current account against the mortgage - if it's at £??.00 I pay…
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Friend in Debt - Suggestions on how I can help
Hi, These are my suggestions: *Switch bank accounts and receive money for doing so -RBS/NATWEST/NATIONWIDE (friend offer). Think Nationwide is the best one as overdraft has the interest free facility, . for the first year, so leaves a bit of breathing room, while paying it down. With the banks putting interest up to 40% on…
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Day One, yet again.
So it’s day one of properly trying to tackle my debt. It’ll come as no surprise to all of you that I’ve been here many times before, but as a wise woman once said “Fall down nine times, maybe you should reassess your walking, because something’s wrong!” But here I am, scrabbling my way up. I’ve had persistent debt for many…
