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Positive mind - Positive life
Good Morning everyone. What a beautiful day! I had a diary on here before. Stopped posting but kept reading everyone else's diaries for inspiration. I now feel ready to keep track with a diary now. Not just for money worries but health and mindfulness also. Debt was all from a house renovation and it's coming down nicely.…
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10k to Ok!
Well, A year and a half ago I finally saught to take action on debt of around £24,000. Looking at this now it seems like a mammoth amount! :eek: As many people on this forum will understand..much of the time you make a daily purchase and you tell yourself 'i'll put it on the credit card and will pay it off come payday.'…
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Charging order interest
Hi all, New on here, looking for guidance re the interest rate that can be attached to Charging Orders on property. TBI obtained a charging order for a credit card debt in April 2009 (£8,000 and therefore unregulated), at that time our creditors were being handled by Eurodebt, on receiving notice of the court case at…
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Accept credit increase?
I've been using an Aqua credit card to help build my credit score after a couple of years of bad choices using regular credit cards got me into debt, which I'm now steadily paying off. I mostly use the Aqua credit card for emergencies, but after a few unexpectedly large bills I'm now close to my credit limit, though will…
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20k GBP Credit card debts
Hello, I am a European citizen , I lived in the uk for 10 years and was self employed. Due to the way things go in self employment, I racked up 20k in credit card debts in the last Few Years living there. I left in 2016 and I have not returned. I still have some companies calling and leaving messages on my phone like PRA…
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A year to change my life...
I have never been one to forward plan, never been one to think of the relationship between actions and consequences and never really spent much time thinking about what I would do when I got older. 'Older' seemed a long way off & I can remember watching those shiny ads on the telly when I was in my teens back in the 80's…
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Onaroll is on a roll!
Having followed some of your journeys for quite a while now, and after the breakdown of my marriage last year, I’ve decided it’s finally time to write a diary! Due to the breakdown in marriage I was in a bit of a pickle, but have worked hard the last 9 months to clear most of the debt left to me. Yesterday I cleared my…
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Let's get this show on the road
Well, its time for a new diary. Welcome to those who have followed me from my old diary and old name, and also to those of you who have only just joined A quick resume of what's what. OH and I started our DMP journey in March 2015 and it went well until I got made redundant and now only work PT. Also various health…
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Debt free Lightbulb moment.
Well I’ve had my lightbulb moment.....I need to sort our debt out and spending as a family and it starts today. I’ve pretty much spent most of my day on a calculator working everything out. We managed to accrue £19500.00 worth of debt :eek: made up of mainly 0% credit cards. I don’t want to live like this any longer. I…
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You’ve got to start somewhere!
I’ve decided to start this diary today because it’s payday tomorrow and it seems a good time to start a new budget! I’m a single mum to a gorgeous 3 year old, I work 3 days a week (soon to be 4 days) and do extra random shifts in a restaurant. I’ve recently moved in with my parents thus massively reducing my outgoings! It…
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I have just told my husband how much in debt I am
Hi , I have been married for 13 years. I came into the marriage with no assets but debts as well. I had just graduated from university and I was in debt. Debts has always been a major part of my life that I haven't been able to deal with properly. I got married, had two.kids and for a brief while things were better.…
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Getting a grip on my life...
Hello All! I’ve been a lurker on MSE for about a decade, and after finding myself in debt over the last couple of years, I’ve finally joined up and am starting my Debt Free Diary. At 33 years old, I feel like I need to get a better grip on my life and I hope my diary will help, even if just a little. Since moving into my…
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Munchin's Marvellous Debt Busting Diary
Morning :wave: I've decided to start a new diary as the old one was about trying to stay debt free when I had finally cleared my debt in January this year. Over the course of 3 diaries I have paid off £26,000 (approx) debt but unfortunately I'm back in debt...again :o . I know there probably doesn't seem to be any…
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Haggling a way to debt-free
Gooooood evening all, TheYeti here beginning my documented journey. As this story starts with my 18yo self. I was young, borderline alcoholic partying 6 nights/week. Funding my 'nightlife' with my wage simply wasn't cutting it so began my downward spiral. I opened up a £500 overdraft with RBS. £500 turned into £600...then…
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Debt Goals
Hi, I haven't posted in a very long time - I'm getting older and it feels like an eternity that i've been in debt and i really don't want to carry it on towards my retirement. My dreams for retirement do not include debt. Today is the 1st April and I have been the fool. I don't want to use this diary as a negative…
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Reclaiming from Payday Loans
Hello all, I was wondering if anyone could help or guide me and the mrs on what to do. So basically my other half received an email yesterday directly from one of the payday loan companies. They had dealt with the complaint and they had made the decision to offer her £580. She responded to the email a bit hastily by saying…
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More to life than debt
Hi! This is my first diary and we are just entering an IVA. I was trying to pay off debts but there just wasn’t very much spare in the budget to make overpayments. We got into an awful cycle of pay the monthly payments then have to spend on the cards to live. We have £24k of debt which consist of 2 loans (both…
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20 yr old debt
Hi everyone, please can you assist, I recieved a letter from a debt collection agency for a debt of just over £8000 and way over 20 yes old. As I cannot remember the full loan can I send the letter asking them for details of any signed agreements and paperwork I am petrified.
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Clearing the debt
So here I am with a tough time. Childcare is hella expensive, our incomes can't be increased (I am looking for a second job) and I feel everything is dire. However if I can just tackle one thing, my debt, this will help. I need to put everything else out my head and concentrate on making more money somewhere and paying off…
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Day 1...
This week I have finally faced up to my debts and I'm in for just under 30K! Staggering given I've nothing to show for it, but not surprising given my lifelong spending habits... I have been a typical over-spender and yoyo debtor my entire life. As a child I would burn through pocket money while my sensible siblings would…
