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We can do this
After some great advice on DFW I've decided to put together a diary so I can put down how I'm doing, feeling and generally whats going on with my plan to be debt-free. First a bit of background. I live with my partner and our two children, 8 and 2. We also have a cat, a dog, a rabbit and an axelotl. We've managed to accrue…
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Scuba's Saving the Ha'Pennies
After my somewhat unpredictable last year I have moved back to the South and am starting my debt free journey from a new start point. Last year I was unemployed for almost 8 months which unhelpfully coincided with the things I had organised before my unemployment and I didnt want to cancel (the wedding of one of my best…
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UK debt assistance in Australia
Need assistance please
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Life Starts Now
Hello everyone I’m here to keep a track of myself as I find it so easy to keep slipping into debt and once I’ve finished paying it off this time, that’s got to be it! I have been in the same job for 20 years and there is a strong likelihood that I am going to be made redundant some-time soon. I have debts which amount to…
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We used to have children, now we just have debt...
Hi, I've been a member of the forum for over a decade, and it is thanks to many of your diaries that I am not in even more debt than I am, but now at the turn of a new decade, and a lot of changes in mine and DH's life, it's time to tackle the £10K of debt we have on credit cards, then tackle the mortgage, then hopefully…
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Debt Free In One Year
I've had some unfortunate luck in the last few years, namely being diagnosed with an incurable disease and being off work for a year! I racked up a bit of debt and pay day loans. Anyway I'm back on track now and looking to squish this debt within a year so I can then save for a house afterwards, some of the payments have…
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Time to get focused!
Hi all, Newbie here! Long story short, I got a credit card at 18 whilst working in London on a low wage. Tried to chase a lifestyle I couldn’t afford and suddenly after multiple balance transfers I’m £30k in debt at 25 with a one year old (Mat leave pay also didn’t help!) Fortunately I am able to afford the repayments and…
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ex and would be ex-gamblers support thread
There seem to be a good few posts recently from people who are in debt due to gambling and I wondered if anyone else thinks a support thread or a sub-board like the bankruptcy sub-board or giving up alcohol thread would be a good idea?
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Struggling through 2020
As the title would suggest it will be a struggle financially to get through 2020, well January at least. I am a uni student about to go into my final year and waiting on references for a part-time job to go along with my bank (zero hrs) one. I literally have no money for January & anything I make during the month will be…
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New year, new thread, new me!
Jan 5th 2020 .. New year and a new thread, if you check out my last thread you can see I have not been active for a year! (That went well). Okay so I am back... Lets update you! So we moved in with my parents (7 months now) all is going well, no dramas as of yet even managed well when my younger brother came home for…
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Finally getting sorted
I've been here before and always managed to run up huge debts again. If I'm honest I don't really know where the money has gone and have nothing to show for it. I could use my health and diagnosis as an excuse but at the end of the day I'm 30. I've done this no one else and I need to sort it. I have three debts. A credit…
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Debt Free before 40 - 356 days to go
Long time lurker; first time diary entry! I am feeling the need to hold myself (and family!) accountable to achieve the goal of debt free before 40 (only 356 days to go!). Debt at highest was £30k and as of 1st January 2020, this is now £5560.13. This has taken several years of hard graft, lots of budgeting and trying to…
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Second time around the merry go round
Hi all, I wanted to start up a thread here to document the year I finally get debt free. I’ve been here before, around 6 years ago now and got through it. This time isn’t as bad, but I’ve been living beyond my means again, and wanted to get this all down in writing. Current situation Credit cards: £1100 owed / £5650 limit…
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Dark Sunday's 6 Year Plan
Woke up this morning & it was dark, wet, cold & quite depressing. Had a HUGE hangover when analysing the normal festive season's over indulgences & more depressingly the irresponsible overspending. It was a true DARK SUNDAY for me. I felt so depressed & despondent when reflecting this morning. This afternoon I went for a…
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This Year getting focused.
Been fighting debts for years, them going down and then going up with various unexpected bills. A week into this year setting myself targets. 1. Clear what debt is left £1750. Did start at nearly 14K 2. Unfortunately Clutch went on car this week need to pay off £500, not a great start to new year, hating being without a…
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Advice needed Credit Card & Remortgage.
Hi all, First post on this forum, not sure if this is the correct place but can't think of where else to put it, please correct me if I'm wrong. I currently have a credit card which has £1,330 on it which I'm paying the minimum £25 a month on. Its 0% until 11/08/2020. My two year fixed mortgage ends this October, at which…
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I'll be writing in this forever.
A diary seems like a good idea as I have nobody to talk to about debts. I just think quietly. This is almost at least like thinking out loud. Felt like my world was going to implode today. Opened a letter (first I have opened in about six months). Had a second wind... Emailed a few people. I don't know why I am feeling…
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Just Keep Swimming...
as a little wise blue fish once said just keep swimming, just keep swimming - what do we do we swim. I feel this has been our mantra for a while - and will be so for the future, as we will need to just keep swimming along this debt free path and knowing at the end is a debt free future and the ability to save for our own…
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Aiming for single, sorted and solvent
Hello, Sparkly new diary here - long time lurker, occasional poster and now aiming for debt free diarist! A bit about me - I am a single mum of three gorgeous kids - aged 7, 9, 12 who are with me full time, along with a menagerie of cats and dogs. It's a crazy house and I'd probably be a lot richer and living in a much…
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Mummy to be of three...want to be debt free!
Ok hey goes.... I've decided that next year I really need to get my finances in check on credit cards alone my husband and I have £4,800 on them, must of this is just stuff which makes me so ashamed - since October alone my husband and I have put £1000 on credit cards :eek: part of this is Christmas (totally overspent this…
