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Financially responsible adult.. ..work in progress.
Hi all, Having been a lurker on these boards for a long time, it's time to take the step towards being financially responsible and start to record my wins and my challenges. Don't get me wrong we are fortunate to live a comfortable life and in the past have worked to pay off debt and pay our mortgage but I always feel this…
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Going to dig ourselves out of this hole
Ggggrrrr just typed out a really long post then deleted it by accident, bit difficult typing when you've got a cat sitting on your lap when on the laptop. Bit of background last year my fil was diagnosed with stage 3 rectal cancer, he had surgery and chemo, December last year my mum ended up being bluelighted into hospital…
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Living in a Mulberry World
Hi there, I am just going to start a diary to get me on track and give me reference points so I am going to leave my soa here for you guys to have a nosey at then ill pop back later . A little bit about me and my reason for a diary. I am 37, mum to a 20 year old and living with my fianc!. the bills listed are all my halves…
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3 years and counting down!
After trying to get a handle on my debts for a good while I am writing this to properly keep myself on track this time. From that statement you will gather that I've tried before. I have not been totally unsuccessful and my debt hasn't increased for a year or so. In fact I made a big effort last year to record and track my…
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One Step forward, Two Steps back
Arrrrrrgggggghhhhhhh! Sorry, I just needed to scream it out. Today has been a day full of tears and probably more than a few, very much deserved, passive aggressive disappointed faces. Why is it that you start to move forward and then you're dragged right back again? Bit of back story, in October 2013 after years of…
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Poor Single Lady Debt Diary - Trying again
Hello All. Things are changing and moving forward and so I feel it's time for a new debt diary. I've recently made a lot of changes and hoping to maintain these but there are also some things that need some serious work. Unavoidable's £490 mortgage £100 council £140 management fee £12 TV licence £40 electric £20 water £25…
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Need to get a grip
Hi everyone. I am sitting here at just gone 7pm with all my account books scattered around me trying to sort our finances. They are a mess. I have just had what I hope to be my Light Bulb Moment Need to cook dinner for son (21) and his friend. Will be back later. xxx
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Tiger's DMP Journey
Ok here goes with my diary: I am in debt to the tune of £34,000 :eek: I know why - because my wife and I have spent more than our incomings for the whole of the almost 26 years that we have been married. We have consolidated numerous times over the years and then got very excited about empty credit cards. This has led to…
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DF for the Paris Olympics 2024
Hi Wierd way to set a DF date I guess, Im not planning to attend - but wanted something to aim for, I am hoping the build up will help me to stay motivated This is my current Credit Card Debt £26475.20p I have done millions of SOAs and the like over the years, I've been debt free before in 2014 and as others will say I…
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My 5 year plan
Happy new year! I made a thread at the end of last year in the DFW section (https://forums.moneysavingexpert.com/discussion/5756197) because of a few silly financial decisions I made in the past year and wanted to set them straight. As part of that I made a spending diary for week and realised how much more I was spending…
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We really need help
Hi We are in a bit of trouble. All started in 2014 when we have bought out first home. We got in to debt as the house needed doing up and we didn't have any furniture or appliances. Debt gradually accumulated and I desperately needed a new car for work so i have borrowed £5500 on 0% interest on a credit card, was very good…
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Big plans, accountability needed
:j WE'RE GETTING MARRIED! :j :j WE'RE BUYING A HOUSE! :j :eek: WE'RE....gonna be in so much debt lol :eek: I already have 3k on my credit card which I've never quite managed to shift after moving it to 0%, so that's going to have to go. All of our savings are needed for the house deposit, leaving nothing for the wedding…
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The End of the World as I know it...
and I’ll be fine right? eventually anyway? I'm sorry to bore anyone or if I am not following the normal formats, so much has happened in the last 10 days I think just writing it down and getting it out will help. 2 weeks ago I had my LBM, I have £15k on CC debts. It had built up slowly over the last 10 years, every time a…
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Time to Grow Up.....
I have decided to start this diary to hold myself accountable and to share my journey with people going through the same thing. I am a married mother of 4 children and am challenging myself with a debt snowball system. We have about $140,000 in consumer debt :/ loans, credit cards, etc. As I am about to turn 40, it's time…
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Time to stop spending and clear debt!
Hi, I have been carrying debt for some time and now need to focus on paying it off and stop burying my head in the sand. I enjoy to shop far too much and it seems to be my hobby! I don't feel I live a particular extravagant life but am obviously spending more than my means.. My debt is manageable am making the required…
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Query about ccj and charging order
Hi Everyone, I’m hoping someone will be able to give some advice please ?! I don’t usually post so please forgive me if I have posted this in the wrong place. Soon DH and I are hoping to pay the balance on a CCJ which we continue to pay monthly. We have a CO on our property connected to this. The CCJ is no longer on our…
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Debt free by 2020 - Time to get serious!
Hello! I am a returning user excited to share my debt free journey with others. I always found these diaries really helpful and in the past when debt built up these forums helped me to get it back under control. This year I have moved from a city centre small poky terrace house in to a 2 bedroom barn conversion in the…
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Time to stop pretending it will be ok!
Ok so here I am. I tried to do this a couple of years ago but life took over and I just sort of coasted along going from one month to the next. Robbing Peter to pay Paul. Convinced that it would all work out in the end. The truth is I am now sick of surviving. About worrying every month whether I will be able to make it to…
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Saying NO to eating out
Had a bit of a down week spending wise this week just gone. I work in the City Centre and going out is always a temptation. This week I ended up going out to a restaurant for dinner twice! I really beat myself up about it and feel terrible going out when I am in the situation that I am. Just wondered if anyone had any…
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New to this! Ready to flow.
Hello All! :lovethoug I just discovered this site and new to this whole thing, but I thought I would give it a try as I continue my journey. In fact, I am doing the Money Drunk program by Julia Cameron and it suggested finding people to chat with. So, hello, here I am, doing just that! I've always been an artist, and…
