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Homemade, debt free & clutter free - can it be done?!
Hi! I’m a married mum of 2 monkeys (you’d never have guessed...) who has a small(ish) amount of debt, works a few regular hours and some irregular ones and has been lurking on here, following a few people (that sounds dodgy but it’s not!) for a few years... I’ve always loved crafty things - knitting, cardmaking, baking etc…
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More flash light than lightbulb
Hi I am stil building up to my light bulb moment, but have now found a flash light and am looking for the lightbulb. I am £25393 In debt incl £1000+ in a unsecure loan and £1000 in an overdraft, and the rest on 3 credit cards at about 18%. I will pay this off in 5 years! Not sure how yet but it will happen. I am currently…
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EllaRedRose Debt Busting Diary
Good evening all, After lurking for many years and getting inspiration about how to manage my money, I have finally had my LBM. I have always carried some debt since being at University and I have never seen it as an issue as I have always been able to pay my bills. However, I still find it far too easy to pay things with…
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Change's Debt Free Diary
Completely new to the forum, but am working on becoming debt free and heard from a friend that there is much moral support to be had around here! Starting balances (including last year's wins :j ) [STRIKE]Credit card #1: £500[/STRIKE] PAID IN FULL! [STRIKE]Overdraft: £2000[/STRIKE] PAID IN FULL! Credit card #2: £4850…
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Solicitor Asking For Voluntary Charge On My Property
Hi, newbie here. Long story but I owe a solicitor just under £20,000 from my divorce. It was my intention to pay in instalments at the end of the divorce and they did not disagree with this. However, my expected instalments have been less due to my ex not paying any maintenance as he is not working, so the money I earn…
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Want to travel the world
Hello all, I lurk on these boards for many years now. The first Reason I don't post is: I am french and I only learnt English at school….. 30 years ago. So, at the beginning of december, I was in debt cc1: 4479 euros, 12.90%, min 152,17 euros cc2: 4500 euros, 12.90%, min 155 euros loan: 4492 euros, 2.50%, min 149 euros…
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Debt free 2021?
Ok this is going to be long. Apologies in advance. Debt free wana be thread I will fill out a SOA when I get access to a PC but at present I can only list what I have saved in my notes in my phone and on my “money database app”. (Which is really good tbh) I want to clear all my debt and start rebuilding my credit so I can…
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My Debt Free Diary
Hi all, So having been struggling with debt for a long long time, mainly caused by a HUGE Gambling problem, ruthless spending and just borrowing way beyond my means when i was younger. It's time I dealt with my £42,349.38 DEBT ! This total is made up from 3 separate areas: Total Of Debts; Joint Debts with my partner:…
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2019 My Light bulb year!
Hi all, I'm Sharon, almost 40, married to the wonderful MrP for almost 7 years and together for almost 12 years. Me and the husband differ in the mindset of money. He has always been a none spender and me, well it burns a hole in my pocket as soon as it touches. Lately though my life has been changing, not sure if it's the…
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A Year to make a Difference
Afternoon all, Well after lurking for years, being an active user under a different name for years, to this new account due to too much personal info on the last one. I have finally set up my first MSE diary! A short bit about me. I live in central Scotland with Mr Thrice and our two dogs. We have a home that needs a lot…
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Time to get free of DMP and move on..
It has been about 5 years since I last had a diary on here :eek: Recently I have been reading Sun Addicts diary and she has inspired me to post my own. A little on my background. I was with my ex husband for 19 years and split with him in early 2012. We had so much debt and at one point it was near £40,000 not including…
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thoughts on this opinion please
Recently I asked my bank to convert some of my credit cards debts into a loan. Endured the process and got told “No” - on affordability grounds. The calculation had offered me fourteen thousand pounds over a few years, and the monthly payment was the same as one of my credit cards. With that money, I could have cleared 3…
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Advice is much needed in my battle of the debts
Afternoon all, After spending a lot of time following other people I have decided that now is the time for me to start my own diary, even if i don't post all that often, Itll be nice to share my feelings and mostly get some advice from you wonderful people who are battling and winning the fight against debt. I have…
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2 x credit cards. Do I apply for a loan ?
Hi, I’m currently have £1100 one one credit card @ 25% APR, and another £1000 credit card @ 19% APR. Would it be smarter to move the higher interest debt to the lower one to keep the debt in one place at a lower rate, OR apply for a loan to consolidate both to one place? Are the rates on a loan better? My current budget…
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Head out of the sand!
Hello everyone I have browsed this board for a while now and finally today took my head out of the sand its been burried in for years and looked at my debt totals. It’s not been the best of days by any means but we all have to have that time don’t we for things to get better. I am determined to focus on this and get this…
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Here I go, Step One...
After reading through some of the diaries I’ve decided to do one of my own, I’d like to keep a record that I can look back on and have a reminder of my plans. I’ve been getting into debt for years and burying my head in the sand. I’m a single parent of 2 and I work part time in manual jobs that leave me physically drained…
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-£99,152 net worth - scary figure
Unbelievably, this huge amount of debt has been incurred solely in the last 3 years. It was even higher, but I've been working with a debt counsellor and we've managed to reduce it down by around £5,000 in the last 30 days. As you can see from the SOA later on, the debt is being paid - just about. There's even room for…
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Time to curb the spending
Hi everyone! After many tries to get rid of my debt, I have just been approved for 0% card to transfer my credit card debt (£1343), so I can focus on paying off my overdraft now. I foolishly took out a student overdraft and still have not paid it off after 3 years of working! I had one good month where I paid it off and…
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debt free wannabe
Hello! Wanting to keep track of my journey & thought I would start a debt free wannabe diary :) I live with my partner and my son, but due to unforeseen circumstances my partner is now out of work. We will be living off my wage alone for the time being & I guess I've had a huge wake up call as to how much money we do waste…
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Roll on 2021
Hello there, I have had a couple of diary's which I tend to let slip but will try and keep this one up will give me something to do in the evenings while OH flicks through the 100 and something channels because he hates adverts and I hate flicking. The reason for my title is in 2021 my dmp or dma not sure what its called…
