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Time to finally shift the debts
After quite a few years of paying some of my debts and burying my head in sand with the rest, I have decided to finally tackle all my debts, have got them all set up on payment plans, and interest stopped, am planning to pay them off on snowball plans so once smallest debt is paid will move on to next and increase payment…
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Debt Busting & House Buying
Hi :hello: We've been on our debt free journey since January 2018, but started to take it seriously in August 2018. It hasn't always been plain sailing but in that time we've paid off about £5k. But, more importantly, we haven't accumulated any more debts :T We have set ourselves a debt free date of September 2021 which…
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Need some control
I am starting a new diary as I've not updated the old one in some time and my situation has changed now I am back from maternity leave. The situation is me and my partner have to work full time to cover the mortgage and other essential expenses. Of course this incurs further expenses with nursery fees. Luckily work have…
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please any help out there
]hi I've received a letter from hm courts and tribunals service final notice stating that I have 24hrs to pay a debt of £179 to the court the debt belongs to Lowell portfolio also on the letter it stats that if in the 24hr period I don't make a payment the enforcement officer will reattend with porters and auctioneers to…
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I WILL get there!!
Hello, I've been lurking on this site for almost 2 years now, admiring everyone elses stories but never quite getting the balls to sort myself out. Well, that's all changed. I've been diagnosed with a severe reproductive disease and advised to have children in the next 2 years if I want them or it will no longer be an…
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Rolling the debt away.
So I currently have £18,444 (this has been rounded) in Debts 😱🙈🙈 The first time I added up this whole figure I was horrified. I had my sick and tired moment last year probably September/October. Well my proper so over it moment. I’ve certainly had the stress of meeting all my payments and still manage to struggle through…
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Adventures within my budget
Hi all :hello: I have been on these boards for years and have cleared a large amount of debt from uni, holidays, overspending etc... :j However I am still useless at budgeting :o I am definitely a make more rather than cut back type of gal so even when I am frittering some of the 'more' away I still cleared my debts. I did…
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Help
Help please folks, I've been staving off for years but I can't see any way out of this, I took out a loan for my parents years ago as they were struggling, however they are now unable to pay me back, I'm currently sitting at about £27k in debt with a mortgage of around £74k with maybe £10k in equity, this loan is costing…
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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…
