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Money Saving Mojo 2
Since buying my flat in 2014 I have tried and failed to rebuild some savings and repay a family member's loan. I first had issues with my mental health in 2013, and since then have had a few episodes, which have greatly impacted on my finances. It's a stark difference from my early 20's of saving money and being career…
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New Year - New Me
I expect everyone is thinking the same - New Year - New Me but this year I have to get my act together. Have managed to get my debts under some sort of control with all creditors accepting reduced payments. Repayment of this is currently ticking over nicely. The aim for 2019 is therefore to build up some savings. I…
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My diary
Hi all I started off with £3,500 of debt around 7 months ago. Im now at just under £2,000. Its still a long way to go but all the accounts i am paying have been fraudulent accounts set up by my ex partner (regrettably i have to refer to her as my wife). I am going to get through this and keep you all up to date. Wishing…
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CCJ Threat - Help!!
In 2007, I was issued with a default for a mobile phone bill I didn’t pay. The total amount was £360 It was referred to debt collection, but stupidly I ignored this and didn’t pay it off. In 2013, I was contacted by a debt recovery chasing me for the outstanding amount. At the time I was out of work due to health reasons,…
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20/20 Vision (repaying a debt to my home and myself)
I am debt free but I have neglected myself and my home for years. My home and I have held up well after years of neglect, but we are both shabby and need of care and attention. I need to move on. This house needs a little family to love it. So I am giving myself 20 months for us both to be camera ready, so we can rise from…
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Reality Check...
I need to start writing this diary while I have the motivation to do so! I have been a lurker for a while and reading all the diaries inspire me and I always think "I wish I could sort out my debt" well....today is the day! I have buried my head in the sand for too long and it really is time to get a reality check! I have…
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New Journey
I have been hanging around the diaries for around a month , decided to subscribe a get rid of the debt once and for all. I had a dmp which ended 3 years ago but owing to a drop in salary have managed to get myself in around 5 k debt again. Once I have Jan statements for credit card will be able to tell true figures. I have…
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Real advice needed ASAP
Hi all My wife (ex wife after divorce) has basically left me i a ton of debt in my name with credit cards and catalogs that she took out a few years back and I can’t prove it was her. There is £2,000 left and I want to move out of my parents house where I had to go when she left me. My parents allow me to have the children…
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Thanks MSE forum. Ten years since LBM
Hello Just wanted to say a massive THANKS to all the wonderful courageous people on the MSE forum, for all the help, support and advice you have given me. Ten years ago my OH and I were facing debts over £100,000 (business and personal). We were in a really black dark place, both suffering from severe depression, but we…
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A diary about debt, dilemmas and a dog
Hello anyone who might be reading I'm writing this to help with my decision making in relation to a dilemma. Here is my slightly unusual situation... I'm a 44 year old single mum, I've been in debt since the first opportunity to 'spend extra money' presented itself to me when I was 18. At the worst point my debt stood at…
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Cutting Down Alcohol Thread
Hi Guys, Sadly we lost our thread and I don't personally keep a private record of others AFDs so all data on the old thread is gone. I've decided I'm going to bow out for a while as I'm actually pretty busy here in RL. And my life is about to get really hectic as I'm moving home....Also it will be hard to have challenges…
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One small step or a giant leap
LBM Feb 18 24k debt Relapse Feb 19 Bolt Of Lightning Mar 19 17.2k debt I had my Light Bulb Moment in Feb 18 and after finding the forum in Apr 18 and religiously following the posts for 9 months had a relapse last month. I was taking small steps and good progress towards being DF but still had some little occasional vices…
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Fresh start needed
Hi, I've been a member of MSE for years now and although have been motivated to become debt free more times than I care to remember it's never happened. Things have to change and now!. I do have a diary but it's been so long since I've posted I've decided to start a new one fresh start and all. A bit about me, I have 6…
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The only way is up!
I took control of my situation last summer and done myself a spreadsheet to get started. I was living beyond my means but now feel in control. Firstly I sold my car and put proceeds towards paying bills and in my savings account. I am lucky that I only work 6 miles away and now I mostly cycle to and from work and…
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Wannabe Debt free ASAP
So I’m 23 in debt and hating it 4 x credit card (£800, £500, £500, £2000) 2 x overdrafts (£2000, £800) I pay back about £50-100 p/m on each card but still dip into my overdraft every month How do I stop this and work towards being debt free My only expenses are the gym £35 p/m and i own my car and put £20 petrol every 2…
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The big battle
Hi all I won’t bore you all with the reasons as to why I have had depression this is about me being back on my feet and getting back in charge so a little bit about the situation I’ve never had any debt until last year once I was diognosed I was off work and things needed paying so I ended up getting a CC and loan to help…
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Warrant/Final Notice
[FONT="]My partner has received number of letters which were ignored partly because of her mental issues, partly because she did not recognise the name Arrow Global Limited. I live together with my partner for almost 19 years. At the present my earnings are slightly bellow £20,000 a Year and she is making £3,400 a Year…
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Back again and hoping to make it stick this time
Well after a few years in the debt wilderness I have decided 2019 I am going to tackle my debts head on. So I'm going to keep this diary so I can see the progress and probably set backs along the way. At the moment my debt free date is August 2026 but I would like to make it earlier than that.
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All change..... Determined to be solvent, single and successful
Hello! I think this is my third diary - I posted regularly for a long time a year or two ago and then life just got in the way and my focus changed. So much has happened recently that I think a new start and a record of my successes and hiccups will help to keep me on track. So, what's changed...? Well, I'm on the senior…
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This time next year, we'll be millionaires
After really sitting down and going through my finances last night, I've realised my debt needs to go once and for all. I'm 34 now and I've really been in some form of debt since I was 18. As the years have gone by, I've gotten used to my debt being there and kept on living outside my means. I had a really frugal year…
