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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…
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Need to change!
Hi everyone! I guess this is my introduction! I am 33 years old, I work in a factory which I work 4 days on and I have 4 days off. I’m the sole earner as my partner is retired - there is a big age gap, but we somewhow work! :) I need to change, I need to start prioritising my debt (getting it shifted and not have my head…
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IVA Cancelled... What next?
Hi, I cancelled my IVA a year or so ago now, and then I was informed that the company who I held my IVA with went into liquidation. I’ve seen been managing my own debtors and am in a far better place than I was. I have checked the IVA register of which I am no longer on. Do I still have to wait for the full 6 years for it…
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Tantaraza vs the Frogs!
:hello: Thanks to the encouragement of several members on other diaries, I’m posting a diary of my own since I’m in desperate need of a life overhaul. :o I would like to say a heartfelt thank you to all of you, as typing out this first post and the next was extremely cathartic, so your positive comments were very much…
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The dreaded D word
It's time that i started to tackle the debt that i have run up on a few credit cards and a loan, which now totals about £13,000. I meet at least the mimimum payments and i have never missed a payment or incured any fees or charges and it is broken down as below: Natwest CC (0%): £450.33 Barclaycard CC (0%): £5190.00 Tesco…
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Starting Again... I can be debt free before 50
Hi I have previously been a member on here before but have re-joined with a new name tonight as I need a complete fresh start. A little bit about me... I am married but have recently separated from my husband so things are a bit up in the air at the moment with the house situation thankfully there are no kids involved. I…
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Credit Reports-free?
What's the best site to check your credit report free without them singing you up to anything? Read some awful revues about experian! Thanks in advance.
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LBM had. Changes made. Advice or critique Welcome
Hi all. First off, let me start by saying I have been avid reader of these forums for quite some time, and a big THANKYOU to all the contributors to this board, who, without realising it, have made such a difference to my, and my family's, financial situation. *WARNING* long boring back story ahead :D I'll try and keep…
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Now debt free ... Update ! Hoping this is the right place
I've had a few messages from some lovely folks wondering how I'm getting on since closing my thread after worrying I had given too much away and people IRL might find out about our debt problems. Anyway the update is to say we are nearly debt free but focusing on saving as much as possible whilst still enjoying life and…
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New member , debt to sort
Hello Everyone seems so lovely here and supportive, hope you can help me too. To cut a long story short, we have been living beyond our means too long and its catching up. Debt is: 17k Barclaycard 14k Mbna 13k loan (for an extension we built) 20k loan was taken to clear Barclaycard and others 12 mths ago (ha ha card back…
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Financial Freedom + Self Care
Hello everyone, I want to pay off my debt and move forward with my life. I am a young woman with no children and I am capable of addressing this, I can change things for the better now. I thought I'd seek support and encouragement here as this whole process can be so stressful. And although a lot of people are in debt, it…
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The time is now:
Somehow I stumbled across the DFW forum links quite by accident on 31st Dec ( this has to be one of the best sites I've ever been fortunate enough to find). I am a regular reader of the great Martin Lewis's emails :money:and trust me when I say this, having read loads of posts over the last couple of days, I have never…
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Is it possible to request an account be defaulted?
Hi Not sure if this is the right place for this but.... I had a current account with Nationwide it went £50 over and with in days they added £100 of fees on top. At the time I was in a desperate place financial and just hid from it along with over £55k of other debt. I recently got a credit report and Nationwide have been…