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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…
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Why Walk When You Can Fly
Time for a new diary, although not at the end of 2018 yet, my plans put in place at the beginning of the year, haven't quite gone as planned....like most things :) Title of my diary comes from a Mary Chapin Carpenter song of the same name and the lyrics are rather apt to the present moment, it symbolises life and at ahem…
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Another fine mess...
Evening everyone. So it’s time for a diary... I’ll apologise now as it won’t be very interesting but I need to record what’s going on in my head so I can keep track and refer back to it. And also be accountable for my spending. I joined MSE many years ago and have had debt for pretty much the whole time, I did almost get…
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Newbie
Hi guys! So as you may have guessed from the title, I am new to this forum. In a nutshell, I have been struggling with money management and debt for a number of years now and thought it would be a good idea to surround myself with likeminded people who also want to escape the debt spiral. I’m in my late twenties, have…
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Getting free of debt
I’m a newbie to posting but Years ago read these forums religiously, and managed to get almost debt free). Que another baby and then a house move, which took everything we had saved and then some to get into a habitable state, and the debts went from around £3k at the point of moving house to almost £20k overnight. They’ve…
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I want a life without failed Direct Debits :-(
Morning and Happy New Year. I logged on yesterday to a message from MSE to congratulate me on being a member for 10 Years!!!. So why the hell do I still have 12k of debt :o During 2016-7 (I think) I posted on my diary on here every day and it really helped me combat the debt. I think I actually managed to halve it!. Since…
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2018 New year, new focus and new mission
With the new year arriving tomorrow I've decided to start a new diary. My old was depressing me, as you could track the debt increasing slowly over time so I'm starting over. Fresh new diary to keep track of my spending and keeping us afloat. My main aim this year is to stop adding to the debt! No more credit card use or…
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Done With Being In Debt!
Hi folks, I'm returning to the MSE forums after a hiatus, which has involved me racking up more debts and sinking into a funk. In 2016 I had my DD, and my world turned upside down. Some for the better and some for the worse. Looking back I'm not sure if I had undiagnosed PND, or whether I just couldn't adjust to such a big…
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Digging my way out
Hello :D I would like to start a diary so it helps me focus and hopefully pay off our bills. We have one credit card to pay off which is a long standing card which needs to go, I over pay monthly but also use it when I have no other alternative. Also our mortgage. We also have an overdraft which is constantly in use. So I…
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Hugglemonster's homemade happiness diary
A new diary for a renewed enthusiasm for clearing the debt, reducing the mortgage and getting my home finished instead of the shambles it's in. I have a few bits of debt left after a nice lump sum from my in-laws cleared the main overdraft these are: * Hally overdraft currently £1012.19 - need to pay this off first due to…
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500 days to debt free-achievable????
Hi, I’ve been looking on these boards for a long time now and have decided that I need to get my finances in order and stop burying my head in the sand as I now am almost 30k in trouble. I am lucky that I have a reasonably well paid job and I give my partner a lump sum on pay day and that covers mortgage, council tax, food…
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Minicruiser's cruise through life
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