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Advice Please Regarding a CCJ
I owe a telephone company £700 been paying £1 a month for two years now since they did CCJ on me in jan 2018. Now they contacted me saying I can pay them £200 instead and they won’t chase me anymore. I live at a different address then the one they have even if they can get new address they can’t come and take stuff as it’s…
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Empty Bank Account & Head & Heart
Where to begin? I have been reading for almost 3 years but maybe now is the time to start my own diary to give me some sort of focus on my future.
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Project 2025
I had my LBM a couple of weeks ago, having been waiting for it for years. It’s very frustrating to only now be understanding the value of money when I’m at the bottom of the barrel, but I suppose it’s borne of necessity. I needed to get here (and to hope for better) in order to make a change. I’ll try and make a long story…
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Making this official
Howdy, I've been trying to flirt with working on clearing my debts for a while now and since Sept I've had an all-powerful Spreadsheet setup that I'm suppose to try and follow. Last summer I was, I hope, 'peak unsecured debt' when I was £13.5k in total spread over 5 credit cards, 2 high interest loans (MrLender and…
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Debt Free December 2023
I think Debt Free December 2023 has a lovely ring to it! It is also when the fix on my mortgage comes to an end so I would love to be free of all credit card and overdraft debt by then so we can 'start a fresh with our finances'. Our baby will also be just starting school and our finances should be better due to reduced…
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Pips needs a cunning plan....
Hello all Been around here for ages, (2008) and life's been quite tumultuous! Change of user name as lost log in. doh!! We've been seriously looking at our finances and contemplating what to do to plot an early retirement. Household consists of one husband (f/t employment), me (f/t employment) one dog (no income), extended…
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The Globe’s reducing the debt 2020
Hi all, I’ve been a long-time lurker and used to post on the boards very seldom years and years ago but always pop in and have a nosey. I’ve had a small moment of courage and I’m making this diary to try and track us as a family getting on a better financial footing after a good couple of years of overspending (some…
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Hope_Street's almost there.
OOO this is a little bit scary :# but here goes ... Hello lovely people, like many I have lurked for quite a while and have decided to decloak, as it where, and start my own little diary, A little bit about me first, I work in the NHS so not a very high earner lol. Through bad relationship choices I found myself last June;…
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LullaBelle's long road to being debt free!
Diary is now for mine and my husband's debts Hi everyone, I have taken the brave step to write my own debt free diary. I have spent a few years reading everyone else's and promising myself that I will take advice from them. So finally here I am. I am 30 years old and in too much debt. It is all down to stupidity and buying…
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When life sends you lemons..... Well I guess you just knuckle down
Hi all, I'm a returning dfwanabee. My first flickering LBM was in 2006, then it became a blinding one a year or so later, by that stage my debts were about £45K. I became debt free in 2012 and was determined to never go back, I made myself a promise to never keep a credit card balance past its due date etc. During the time…
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McDonald's car park penalty charges
Always go to the same McDonald's for a fast food treat with 2 toddlers, age 3 & 5. In December, 2019, husband got our 2 kids. Drove in and parked. Ordered meals and kids played in the play area. I joined them half way after Christmas shopping. I arrived the McDonald's restaurant on foot. Ordered my own meal. With the slow…
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TravelGirl84's DFD
Hi All Ok, here goes. I will try and make this as short and uncomplicated as possible. My current debt stands at £28990.63 (without int.) :( . I was initially ok with this because I was dealing with it, and for the most part it is for big purchases and not money that I've squandered. In March this year it was approximately…
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On the road back from the brink
Hi everyone. Seeing this forum, and all of the wonderful work that everyone has done to make themselves debt free, has been incredibly inspiring. So much so, it has inspired me to start my own debt-free diary. Thank you everyone for being such an inspiration. How did I get here? I will be honest, I have always been bad…
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Reeling from the Reality Check
Well, I have finally faced up to the huge debt mountain I have to climb after years of denial when I was spending without thinking of the consequences. Paid for three children to go through university, supported them with living expenses etc. Husband took early retirement and a small part time job which paid him his…
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Help me work our where my money went
I have a great job with commission most months so I have just run with my basic wage. My commission usually £1000 at least a month so what I want to do is save that. When I look back over last year I earned £12700 commission plus whatever was usually left from my wage but still only have half the savings. Don’t get me…
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Credit Card Debt - Girlfriend Doesn't Know..
Hi all, Hesitated for a while before posting here, but have read other people's stories and found a lot were getting good advice and support, or even just using it themselves to keep track. So this is my first post, hopefully to be updated in due course with more pleasant figures. I have recently looked at my finances,…
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Dave Ramsey UK
Was trying to adapt Dave Ramsey's Baby Steps for the UK, here is what I came up with... Baby Step 1 Emergency Fund £1000 Baby Step 2 Pay off debt (except Student Loans & Mortgage) Snowball (psychological) or Stacking (financial) Baby Step 3 Emergency Fund 3-6months essential expenses (approx £3-5k per person) To give a…
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Mindful or Mind full?
So....... life appears to have changed today! I came downstairs to a letter from my partner saying he needed time away. After 11 plus years. Not sure how I feel. At the moment I need to get a job. Not as easy as that sounds as I have quite a problem leaving the house at all. I am waiting to get to the top of the list for…
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Puzz is still trying with claws - my dmp journey keeps going
Hi, I've had to create a new username and account since the switch over.. so my old diary has come to a close and this will be the new diary for 2020 and beyond....
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The Simple Bare Necessities feat. Gratitude & Recipes
Hello :hello: I think that the time may be right to start a new diary. So much has changed since I started my 2nd diary, which can be found HERE and we're a whole lifetime away from my first diary, which can be found HERE Whilst my first 2 diaries concentrated on living a simple life, concentrating on debt-avoidance for my…
