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New Start - Together
Hi everyone :) Long time listener, first time caller... My partner and I have had a lightbulb moment over the last month, and have been excitedly working on our finances, and ultimately our future. We're completely obsessed with saving money now :rotfl: I have a feeling I'll be among good company here... As an overview, we…
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Journey to the debt-free wilderness
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I've Hit Rock Bottom. Time to Get Out.
Hello, Long time lurker of these forums, but I wanted to start a diary to keep myself accountable for the journey I am taking currently. Im a 28 year old male living in Wilthsire. My Story I wasn't always in debt. Up until the age of about 20 I was fairly frugal, I was earning the minimum wage and didn't have stacks of…
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Curbing my Impulse Spending...
Hi everyone, I have been stalking these forums for the past few days and thought I'd join and do a diary. I find "reporting in" makes me more accountable which in turn helps me to stay disciplined. I have the following debt below which I am eager to pay off and not have the niggling feeling in the back of my mind. Plus as…
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Help me stay on straight and narrow in all forms of life!!
Hi All. I feel i need a diary as I am just hopeless these days at sorting my life out! I am so very lucky and to be honest don't have a lot to complain about. 2 amazing children 8 and 4, an amazing partner who has put up with me for 16 years and counting and amazing supportive parents, a good, well paid job and a beautiful…
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DMP & Mortgage
Hi All, First post :-) A bit of background In 2014 I lost my job and finally had to face up to all my debts, just short of £47,000 including a none secured £25k from my mortgage lender. After seeing my pants, growing up very quickly and fortunately getting a job sorted in a month or so. i entered into a DMP through Step…
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I need some new knickers!
I do actually need some new knickers but money has been that tight that I really have been having to decide between food and undies.Sorry if this is a bit blunt to some of you but I really need a wake up call and stop living day to day. It's not just my finances that need an overhaul but my whole approach to life. I'm…
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Starting Over
Hi, new here and ready to clear my debts! I've gone from being in £12,000 of debt down to £5500 which has taken me 4 years this month. The reasons for it taking so long is 4 months after the debt began I fell pregnant, lost my job and had to move to a smaller home and save to get my new family into a bigger home. We've now…
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Not where I'd like to post my first thread but....
Well as the title says this isn't the first place I'd like to be posting a thread but it seems as good a place as any to start and maybe seeing things written in black and white will give me the proverbial kick up the ..... that is needed. I'll list my full woes in due course but for the time being there are approx 35000…
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Universal Community Trust
Hi, Apologies if this could be placed somewhere better suited though out of all options I could see, this seemed the most relevant. I have generally been debt free except mortgage for most of my life. With children reaching milestone years, things have altered. I now find myself almost completely maxxed out on cards and…
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The end is in sight
I wish I had found this site and forum 5 years ago. I took out two personal loans to invest in something recommended to me by a close family member. Long story short, it went belly up, leaving me with £25k debt. I took advice from another waste of space and eventually took matters into my own hands. I decided not to do an…
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Shrinking is the name of the game
My 2019 plan is to shrink my debt and my waistline! I have been here before, but this time I actually have something to show for the debts. My house was property developed by bodget and scarper (;)) before we bought the house so is needing a lot of work doing to it. We have done well as saved up all needed to pay the…
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Arvato Barclays Debt
I have a letter from this company Arvato for an outstanding Barclays Bank debt. I'm assuming Barclays have sold them the debt? The letter gives a web address of a portal to make payments and/or set up a repayment plan. In fact the portal does NOT work at all, literally nothing works and they seem a very amateur outfit.…
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Missy, Roo and May Stretching out every last penny whilst drowning in Budgets, groceries & laundry!
Hi! I thought it was definitely time for a new adventure. I'm a 30 something mum of 2 small people 5 and 7, I work mostly from home and have a wage that doesn't match my outgoings. Lightbulb was this months rent that I had to put on my CC, which i know is a very slippery slope. So I am going to use this to keep me…
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Reported the fraud, what next?
Ive started the ball rolling with the fact that my ex took out catalogues and cards in my name, I am just hoping that there is proof that they can find that it was in fact her that did it all. I am determined to take it as far as I can if anyone can offer any help. thanks
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Mini meltdown and light bulb moment
Hi everyone, I posted on the forum yesterday and after some soul searching, I have contacted Step Change and am now in the initial stages of sorting a Debt Management Plan. The guy was really helpful, and said I am definitely taking the right steps for the circumstances, and I need to put me first. To get it all out in the…
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Time to grow up...
I’ve recently started to pay back my debts after years of burying my head in the sand. I don’t know if I’ve gone the right way about it so any tips or advice would be fab to clear it off ASAP! Income: £2034pm Debts: Girlfriend: £700 - paying back £350pm (Mar/Apr) Next - £1473.89 Aqua - £1056.92 SafetyNetCredit - £563.91…
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Struggling to float - I am drowning!
I've decided to sign up and try and gain control of my finances once and for all! Lived in a bubble and lived off credit cards for years, but for the first time ever, I am getting no deals, no balance transfers and paying interest. Previously when I was on 0% deals, although I was paying off debt and reusing at least the…
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Debt consolidation/credit score
Hello I was just looking for some advice from people that may have gone through so something similar. I spent some time jumping from 0% Interest credit cards unfortunately, due to a few uneducated moves I unknowingly lowered my credit score to the point i was no longer eligible. I'm now really struggling with high interest…
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London Socialite Sees The Light
Well here goes, my first ever diary. I'm a bit depressed it's gotten to the stage where I am writing this but no one else knows my situation and it will help to keep me on track once and for all to have somewhere to vent and log my progress. I had a LBM back in May where I came up with a clever spreadsheet and had all the…
