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Long battle to be free of debt
Stepping into the light after years of unemployment and personal issues I will not bore you with I am beginning to understand the scope and scale of my financial position. In many ways not knowing was a blessing, I could make guesses and assumptions but not stress too much as I was not sure. I have been in the same job for…
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House sale equity for debt use query. Help needed
I had a bad gambling problem a few years ago and have since been paying my creditors regularly through step change. I am currently in the process of negotiating with my creditors a share of the capital from my recently sold house. I seem to remember seeing somewhere about being able to keep a percentage for reasonable…
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The simple life
I have debated a lot about starting a diary. I love reading others and have got so much inspiration and tips at times and it really keeps me motivated with my own debt busting! So I thought I'd jump in with my thoughts, debt payments and daily life journey! The debt I have is manageable for now but I want to pay as much as…
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Ikea IT isssue charged twice
Hi All, Was in Ikea Glasgow 3/8. My sister was purchasing wardrobes and as she was paying for the items there was an IT issue that aborted her transaction. After an hour at CS desk they confirmed that the order had been cancelled however they could not stop the financial transaction at the store and apologised as it…
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0% running out in 12 months! Will I make it?
So, the 0% term runs out on my credit card next August (11th). It currently stands at £4,500. I would really like this gone so that I can get on with my life. It feels like a massive task at the moment but I'm determined to get there. Plan of action: -follow budget religiously -throw any spare cash at CC -make extra money…
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Overcoming anxiety to become debt free
Hi all :) So here's where my story begins... My starting debt is more than £15k, which is pretty horrifying. I knew it was snowballing out of control, but seeing the figures in black & white really is quite nauseating. It started with one credit card intended to pay for a holiday. M&S gave me £3k, and when that was maxxed…
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Such a mess
OOOHH guys who the heck have I become. Got paid yesterday and ive gambled all the money away. This is not me, what am I doing!! that's it, ive contacted some of the companies I owe money to today to get payment plans set up so that's one thing sorted I suppose. ive deleted all the gambling sites...NO MORE!! It was nice to…
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Single Mum Losing the Debt!
Hello! I have done a diary on here before but couldn't find it :o so thought I would start 2019 (almost) with a fresh one! So a little bit about me.... I am 25 years old and live with my son in a rented house, I become a single mum 2 years ago when my son was 3 weeks old. He still sees his dad a few times a week and does…
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Wittering my way to simpler life
Good Afternoon, I have been lurking around these parts for some time and decided to not only join MSE but to actually create a diary! The reason for this being that it might help me stay motivated in reaching my goals. I'm in the fortunate position of not being in debt. However I do not possess an emergency fund and have a…
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My Journey To Freedom From Debt
Ok here goes. *Deep Breath* So I am a male who turns 40 this year and pretty much since I left school and started working I have never had a financial mind set. When I turned 18 I got given about £2000 from my mother, when I was younger she took out some kind of insurance policy for us kids that paid a lump sum when we…
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There may be trouble ahead......
It looks like there may be trouble ahead at work. There have been rumours around for a while, but they're getting louder and more specific about departments affected. I'm definitely spooked. If anything does happen it's likely to be between now and Xmas. My situation, as at this morning, is savings £0 and debt £9394 :eek:…
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Hoping to crack it this time
Hello...hope this is the right place to post this. I am currently just about holding my head above water. My husband left me 4 years ago and due to his own poor financial state gives me no maintenance for our two school age children. I work part time 22 hours per week and with childcare outside of school hours being a…
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Mrs Hide My Head in the Sand
Well Hello There :) After many many years of hiding my head in the sand, ignoring letters, phone calls and just not getting through to the end of the month I have decided to take some action. From looking at my credit report I am around £21,000 in debt :eek:and some of them I have no idea who to contact so I have started…
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Doing it for myself....
Hello, Total newbie here... well newbie to subscribe before I joined I had been reading everyones fantastic diaries and thought id do my own for a few reasons. Firstly I am in debt, been one of those people who liked to enjoy life by winging it sort off..... what I mean is being a minimum type of payment girl, not…
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Debt Free Determined!!!
Hi everyone :wave: Starting a diary to encourage myself to be realistic with where I am financially, stop burying my head in the sand and address all the things I waste all of my money on... :mad: My current debts are as follows; Credit Card 1 - £3491.16 Credit Card 2 - £3981.71 Catalogue - £708.27 Overdraft - £2350 Car…
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My Hubby hid his debt from me for 18 months!
Not really sure how to start this but here goes..... Over the Christmas and New Year break my husband decided to confess to me (whilst planning a holiday) that he was in quite a bit of trouble with money. When I asked how bad the response I got was astounding, he said he had 5 or 6 credit cards and about £30k across them…
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This time will be the one
Hi all I have tried to clear debts a number of times and always seem to fail, but this time it has got to be done the stress of it is just getting too much. I have about £10,000 to pay with 3 different places all of which are on minimum payment so not really getting anywhere. Have 3 kids which is where most of the money…
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Splishsplash’s diary
Hi all I’ve been reading other diaries for inspiration for a while and thought I’d start my own as a way to motivate myself and pick up tips hopefully! About me: debt wise I’ve got three loans which total just under 13k. I’ve worked out using a snowball calculator that if I overpay by 200/month in the correct order I can…
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The end of procrastination and disorganisation.......
.............and the above are the reasons for virtually all of my problems in the past and present, be it debt, weight, careers and the state of the house.:eek: I have plans, big plans which I don't have time to pop on here right now, but I intend to use this diary to sort me out once and for all. It's going to be…
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Ann finally getting into gear at 47!
Hey everyone, Just wanted to track my debt reduction here and hopefully start saving for a deposit for a flat. I have posted my SOA on the main DFW thread and will keep revisiting it. I am hopeless with money and haven't really thought about it under recently, was a definite ostrich and it was made worse by nearly all my…
