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OK I'm going to do this!
Ok so....I am going to do this, I have been sat reading all of your lovely diaries and it has inspired and spurred me on to do my own, I feel I will be more accountable for my actions if I start putting it into print for ALL to see:eek:..... I NEED to get debt free and start saving and achieve my end goal which is a…
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Is Change possible? (When you're in a hole, STOP DIGGING!)
Hi, I'm struggling to even write this to be honest. Putting it all down in black and white makes it feel so real. The very short version of our sorry tale is that I'm 40 in just over 2 years and over the past few weeks I've been feeling more and more uneasy about the financial situation myself and my partner are in. We…
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End in sight - all being well!!!
Hi folks, I’m new here and I’ve been reading all of your awesome money saving adventures so I think posting my own diary will help me get out of the mess we’re in and avoid ever being in this situation ever again! We’re currently in around £64k of debt. It’s a mixture of CCs and loans caused by not having control over our…
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I want to break free....
I have finally decided to self manage my DMP as I'm hacked off with the DMC; they are the reason I have a CCJ. My debts are from around 2013/4, smost of the defaults were prior to this, when life completely spiralled and my marriage went belly up. I have several defaults and the CCJ. My history is starting to clean up as…
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Why I spend
I want to track my journey from hopelessly in debt (24K) to debt free with a diary on here - but what's struck me, after living most fo my adult life with some kind of credit card/overdraft debt, is how come I keep getting into financial trouble. What prompts me to spend when I know, intellectually, that I do not have the…
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Double Default Removal
Original Post Below Hi Guys Looking for some advice regarding defaults. Long story short I was in a DMP for years which I paid for. Managed to come out of it this year after getting some money with the intention of offering my creditors a partial settlement. A few of them have accepted my offers and a few haven't so I've…
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working on my debt £1 at a time
I am from London UK and I have quite a bit of debt some of which I have entered into arrangements with and some not. I have a income expenditure and budget but it is quite lose as I am self employed so things change. I have to update my debt balances and list those I pay interest on and those i don't. A rough list of my…
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Wols Riverbank Tales 5: Recapitulation
Greetings everyone :j:j Deep breath! Sorry it's taken me so long to come back to DFW. :o . I've dabbled in the last few months but haven't felt able to "commit" to another diary until now.:) For those that want the history it can be found here in 4 parts: https://forums.moneysavingexpert.com/discussion/2653229…
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got to stop spending
Possibly a little out of place on this board as we are not (apart from credit card payments for a car, more on that below) in debt. However, in my 20's I was massively in debt and had no clue about money. It makes me wince every time I think of all the stupid things I did and all the money I wasted. I had no clue what an…
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It's not grey hair it's "wisdom glitter!!".
Hi :T. Time for a new diary my old one started in 2009 ,I don't know how to link to it but it was called "loved life a wee bit too much". I had my lbm in 2009 and since then have been on a dmp for me and a self managed dmp for hubs. A few things which I have learnt is to run your home as you would a business. Buy in at the…
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Trying to be back in black, in the words of ACDC
Hi all I used to post on here a long time ago (I've just been given a 6 year anniversary badge as a helpful time guide). I managed to not quite get out of debt back then but very nearly and have since managed to get myself firmly back in it again and thus I am back here again. :o My debts are currently: Barclaycard - £4060…
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On being the angel on my own shoulder
Been reading this forum for months now and finally decided to start my own diary. Due to a series of terrible choices I made in my 20s that I might go into another time, I dug myself into £43,650 of debt. That number sounds insane and it's a huge regret that I don't have anything substantial to show for it. £40k would have…
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Starting my journey
I'm going to admit its a bit scary being in debt - feels like a ball and chain around my neck. Bit of background, I'm single and taking care of my mum who's 75 and suffers from schizophrenia and dementia. I pay her bills as well as mine. This past 2 months i've drained my savings and gone into debt paying her medical…
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Taking the scenic route from chaos to calm!!!
It’s time to get a grip and restore a bit of calm in my life. I’m fast approaching 40 and need to take back a bit of control. I’ve been on the debt roundabout since university days 20 years ago now :eek: borrowing, paying it off, vowing never to do it again and so on. The latest ‘blip’ comes about following a massive…
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I’m not the Queen of Sheba
I have to start living within my means. I started today. Low spend in that I just spent £10.15 in Lidl. Walked the dog and tidied the house. Looked at my finances and note that my debts have risen to £25k approx. While this is bad, it’s manageable at this stage and I need to get it sorted before it isn’t manageable. Plus…
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DMP StepChange - Advice needed
Hi I’ve recently taken the step to sort my debts. Got all paper work sorted with Stepchange and posted them Off today. One problem now, and I’m stressed, is my current bank account overdraft. I’ve included this in my DMP, I contacted my bank today to let them Know I’m entering a DMP and what will happen to my account -…
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Half way there now and counting
I am not sure if this is how I start a debt free wannabe diary but I hope so... Not even sure if anyone would like to read about my journey to becoming debt free. So, I am 34 years old with a current debt of 13,414.86, it was 26,064.96. This is not including my student loans mind you which is approximately 30,000. This…
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New beginnings
Okay, lets do this diary thing. Maybe it will help when times get tough. £65k in debt. DMP starts on November 1st. Payments of £335 PCM All creditors are aware, most were great (apart from Virgin). Stepchange are managing my plan. I aim to give it 6 months and review.
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PPI and DWP
Apologies if this has been asked before. I have found out today that I will be receiving a PPI payout approx £2600, £1600 is gross interest which I know I have to declare to DWP as I receive tax credits. I used a claim company and will have to pay them over £600 from the total amount I receive. My question is do I declare…
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So here's to you - 2
OK, so.... This site says I last visited in September 2009, which seems about right! Incredible to think how many diaries must have come and gone in that time, how many people will have gone from drowning in debt to debt free (and possibly - but hopefully not - back again), how many connections made, and how much people…
