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What a Year.....Climbing Back on the Wagon
Hello! I've been a member for years but slowly slipped away as life took over. Lots of things have happened in the past 6 months or so that have conspired against me and I need to retake control. So I'm back! To quickly recap the difficult past few months ..... I started a new job last September (I'm senior leader in a…
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Iwcoa
Hi all, I'm new to the site so bare with me. I've had a lot of financial difficulties after being defrauded by people who were supposed to have been investing in my company (Action Fraud now dealing) anyway because of them I incurred a lot of personal credit which I put into my company - it all got too much and I tried to…
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Debt free wannabe
Hi guys, just a bit of an update for how my debt free targeting has gone through the year so far. There’s still a long way to go and it really does feel never ending. Not sure why I’m posting maybe just to get some new advice or general tips to keep motivated. January 2019: Debts: £22449 Assets: £11 Net worth: -£22488 To…
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My Journey
Keeping this little diary to help keep me on track! Im tackling my debts one at a time, with the highest apr first! My aim is to clear £484 from the 1st credit card. I have managed to pay £760 to it over the last few days. £500 was from moving part of the balance to a lower interest card. Also have a pending £200 0% BT…
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Debt free by the end of 2020 (optimistic)
I am setting this thread up purely to track my own progress and for some self-accountability as I am slowly falling back into old habits and spending more than I earn, I have reduced my debts by a few thousand this year and I don't want to go back. Instead I want to move forward, learn to manage my money and eventually…
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Venturing Out of the Vault (of Debt)
Hi all. After a suggestion to start a diary in my first thread here: https://forums.moneysavingexpert.com/discussion/5983080/lbm-had-changes-made-advice-or-critique-welcome I have decided to start a diary to both motivate myself and record achievements (and errors) in my journey to debt free-ness. First off, some may…
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2019; The year of the downward spiral.
The year has been awful for me; my car died, my son moved out, work dried up and my rent/utilities increased. I wouldn't normally mind and I had an emergency fund in place and 3 months expenses. This soon got swallowed up and I find myself here in June wondering what on earth happened this year! My son moved out and took…
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Looks worse when it's written down!!
Read these boards for years. Finally had my lightbulb moment over Christmas when I realised I didn't actually know how much money I'd spent on husband and daughters. Decided to get all the balances of my cards and work out a plan to clear them as quick as I can. January seems a good time to start. Going to write down…
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Rawr_'s Saving Diary
Tomorrow is the start of a new year, and I'm looking to save a lot of money over 2018! A bit about me... I live in a fairly rural area of Norfolk, currently living with my husband in his Mum & Dad's house (which they will be selling when we move out) whilst they are living in Scotland. This has been a big help for us while…
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how do i start
Hi All This is my first post , as I have been up early on a Sunday morning determined to take control of my spiralling debt . minus my mortgage it is around £20.000 !!! I am constantly stressing about it, but doing nothing to address it …. I have done a budget planner.. where to now ? any advice gratefully recieved
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Set aside ParkingEye CCJ help please
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How frugal can we go?
I've read so many MFW diaries, and aspire to be there by Xmas next year at the latest. I live with my OH and our 2 daughters (aged 2yrs and 1yr) and our dog, on the West Coast of Scotland, around 45mins from Glasgow. House prices are not massively expensive where we are, so we dont need a massive deposit but do have a…
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I think i need a diary
Hello all. Ive toyed with the idea of a diary but to be honest up until now it would have been mortgage v dmp with no clear winner and a possible entry to the guiness book of records with how long it would take if I sucessfully posted that long. Anyway i have wonderful news as my brother is getting married to someone with…
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Daring to face the future.
Well dear Diary I am sat here with a dream of finally improving our finances. After years of being crap with money, borrowing to keep up with family and friends, we have hit the rock but not quite the bottom as we have a home and priority bills paid. The rest has gone boobs up. We started to seek advice about an IVA nearly…
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A diary of feelings, debt & general life drama
I have previously posted one thread but got nervous and stressed sooooo here I go again. I met my DH in 2014, after a crazy horrible break up with his ex wife in 2013. We had both just gotten out of relationships and were NOT looking for love. But it happened, and now 5 years later we are married and I have 2 step…
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Diary to stop despondency
I've made a few diaries and not really stuck to them. A bit due to lack of time, a bit due to honestly not wanting to tackle it because I don't want to spend my spare money on debt. BUT this is why I'm in this position so at 32 it's time to be a damn grown up and make sure me, my partner, and our son, have a happy life.…
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Small debt to some but even smaller income.
I've been wanting to post on here for a long time but was worried about being judged for being on benefits. Since then I've got myself into even deeper debt and I'm now terrified of the future. I have depression and I use spending money as a way to cheer myself up. I find it really hard to leave the house most days, but…
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Sorting out the debts before it's too late!
So, this is my very first post, although I have been reading diaries religiously for the last few weeks! I am not currently struggling with my debts, but that is because I have a lot of it on 0% at the moment, but my luck with that will eventually end and if I haven't reduced it quite a bit, I think I will be in trouble...…
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Debt free before 30.. can I do it?
Right this is the start of the new me, new beginnings and becoming debt free. I am determined to sort myself out financially before the big 30- only 3 short years away! I guess I have had my LBM, I start a new job in two weeks so it feels like a fresh start. As of today my debts are as follows: Halifax CC: 4570 Aqua CC:…
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Dolly's list for life.......
Hello my name is Dolly and I love lists :p I'm going to start this new post and the first promise I am going to make to myself and you is to keep it active and up to date as I have seriously lagged with any previous attempts for one reason or another. So a bit about me then; * My name is not really Dolly :eek: * I am a…
