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SusieT78 Debt Free Diary
Hello all, I'm quite new to MSE. I have another thread where I was asking for debt advice on the main board, so I won't duplicate my posting, but the details are here for anybody interested: forums.moneysavingexpert.com/showthread.php?t=5694050 (I can't link to it as I'm a new poster) In summary, I've got myself into a…
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I hope I can do this
Hi Why am I a Debt Free Wannabe? Because someone in my family has just offered to give my partner and I money towards a deposit for our first house, but I owe 17k in unsecured debt & I think that will make it hard to either get a mortgage at all, or get a decent deal. Now I feel like I'm ruining both my partner's chances &…
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Debt free......again
I'm finally debt free for the second time in the last few years. This is excluding a smallish mortgage of £40k but this will be gone in the next couple of years. I can say with confidence that my debt free status will not change and I will not be in that position again. How do I know this? It's because for the first time…
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Actually no, I don't need that new mop...
Evening all! I’ve been browsing the website and particularly this forum for a few weeks now since having my… not quite lightbulb, more flickering-dimmer-switch, moment. A common theme among the threads is how helpful all the lovely writers out there have found the accountability of noting down their spends; successes,…
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Operation Debt Clearance
Hi I had a thread on here that was deleted as someone had reported it for no reason - and apparently the forum policy is just to delete with no option to recover it. Oh well - I wont go into all the details now; but essentially I started my debt clearing plan in July after I bought my own apartment. I had around £25k of…
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Is there a way to find out what debts I owe?
First time posting, so apologies if this is in the wrong place. When I turned 18 a few years ago things were a bit of a mess. I’d take out new phone contracts/gym contracts every few months then completely lose track of them. I had a £50 unplanned overdraft that spiralled out of control with fees so just opened a current…
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HELP in drowning and can't see a way out
I don't know if this is the correct place to post as it's my first post, sorry if it is. I've buried my head in the sand for about 15 years if not longer. We have been so foolish in the past and I'm so so sick of living so anxious everyday. To cut a very long story short I have lived with a gambling addiction most of my…
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Struggling
So, I have recently (last weekend) had a bomb dropped on my head and life by my husband; he is 44,000 in debt. He has lied about it to me for the last 5 years, living beyond his means and taking out pay day loans to try and keep up appearances. He also committed fraud with a previous company, taking money when he was…
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Savings Plan
Need to keep focussed on some serious saving plans now. I'm taking the mother out to a restaurant tonight (her b-day treat) so will get some ideas down when I get back. If it's written down, I will be more focussed! However, so lovely to be able to treat the mother to tea and not have to stress that I'm in my…
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Token payments to debt free...Just not sure how to get there yet..Full and final settlements anyone?
I have totalled up all my debts and they are way over £20k... Scary stuff! I have started the process of full and final settlements for some of the smaller debts: -Tesco credit card. Outstanding with default £200. I am paying £10 per month and have offered a F&F of £100. This has been passed onto Fredrickson who said they…
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£80k debt - 30 month debt free aim - all support is welcome
Hi All, Okay so here goes. I have been hanging around in the side lines for the past few months. I have read many diaries and have seen the improvements people have made to their lives and the great debt reductions they have achieved - well done. I currently have £80k of debt through years and years of credit card misuse,…
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Slept through the Wake-Up Call and no money in the meter for a Lightbulb Moment.
I've been here before. It helped a lot. It didn't fix things but it put the brakes on them getting worse. I'm needing to put the brakes on again cos I am in severe danger of careering over the edge of one of the three cliff faces I seem to be gazing into the abyss from. Health / Debt / Career are the three areas where I…
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I’VA Problem
Hi everyone! Today marks the beginning of my journey towards financial freedom. I have just shy of 17k in debt. Spread across one loan, and five credit cards. I’ve found myself in this mess through no ones fault but my own. After what can only be seen as a series of poor financial decisions, I have finally had enough.…
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Direct Debits
I've recently taken out some holiday insurance (annual) I've checked my bank today and the company have taken the money, which of course is fine. However, I happened to check my direct debits (I only have two) but I've come across three set up in the last few days-all insurance related-one eon, one pet Insurance (I don't…
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My debt-free diary
I’ve decided to start a diary to keep myself on track of my debt repayment plan :mad: I hope you guys can support myself along the way :j I’ve posted a previous thread in wannabe under ‘I want to clear every last penny’ Summary Argos Card - £300 Halifax OD - £315 Barclaycard - £500 Lloyds Loan - £2700 Santander CC - £3000…
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It's final, the debt must go.......
Hi All, After many years of just treading water with our debt I have decided that it has to go as we are fast approaching our retirement and it needs to be way gone before then. In addition, we need to learn to live frugally and within our means so this diary is a combination of our journey to becoming debt free and…
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On a mission to clear debt
Hi all, Posting my SOA for comments please, we are looking to move house in 2/2.5 years but have to clear credit cards and car loan first, anything glaringly obvious to anyone that could help me? Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars…
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Frugal until 60!
Well here I am again after some tumultuous years in which I tried to start a diary twice and gave up quickly. I think the problem was that I wasn't writing for myself but now I'm just going to plonk down my ramblings and see what occurs! My DS has emigrated to Australia (it's been 2 years) and my DD is in her first year of…
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Sometimes life changes.....
So I'm just embarking on my journey to be debt free so I thought I'd write a diary to keep myself accountable. So onto the boring bit about how I got where I am... So 2015 everything was going great - husband, a lovely 3 year old and a new dream job that paid a decent wage! I had a credit card but nothing unmanageable - I…
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Where has the last 3 years gone?
Hi Well as you can see I seem to have made some progress over the last 3 years, but either I was not being honest or we have gone backwards over the last 12 months. We have a family loan of £7,300 that is interest free and we are currently paying zero. We have 3 credit cards: CC1 £450 0% ends in 4 months CC2 £1,600 0% ends…
