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Lantern debt showing on credit file
Hey guys, Was wondering if anyone could give me a bit of advice. Basically ive been trying to work on my credit file and noticed 2 debts on there. They are both for a company called Lantern, ones for £70 odd and another £400 odd. So wanting to get these sorted and potentially settled on my credit file I rang them up. The…
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A new bundle creating a new motivation
Hi everyone, Apologies in advance for the long post! So I started a diary 2 years ago now, successfully getting our debt down from around £12k to 8k - unfortunately the husband got a new job in sales and earnings took a big hit, but our spending didn't adjust.. the cards racked back up and we're now shamefully worse than…
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Journey of a determined single mum
Well, this is it. My diary. I have been lurking here for ages reading diaries and feeling so much inspiration from the many positive stories. A bit about me. I became a single mum almost exactly two years ago when my ex left very suddenly and shacked up with ow who he met at work. This was a devastating time for me and my…
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Spender to Saver - I want to be Debt Free before I'm 30!
Hi all, I've been skulking around the site for a few days now and really thought it was time to post as I can see how helpful and supportive everyone is. I've accumulated a few debts over the last 3-4 years which have resulted in me still having around £6500 of debt (2 years ago, this was at £11,000). I have a balloon…
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PCP balloon payment
Hi My cars pcp balloon payment is due in the next few months. I would like to pay it out with a 0% credit card. Which kind of card do I need to choose please? A credit transfer cc or a spending credit card.
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Slowly but surely, rushing gets us nowhere
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Started my long way to being debt free.
Hi, I have been in debt for a while now wiht the usual things, loans, card, ect... and was always just about keeping my head above water with my job getting a steady wage. Recently my Mum passed away and this has now made me go under, due to a lot of additional expenses I was not counting on. So I have asked for help. I am…
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And begin...
Edited: 15/7/11 OK so trying again now. I'm in pretty horrendous debt and absolutely have to sort this out. I completed the forms at CCCS which basically told me that I couldn't actually meet my payments by a pretty long way (which explains why I was running out of money halfway through the month every single month). So,…
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Dave Ramsey - Short diary to debt freedom
I hope this will be a short journal, fingers crossed! :j Myself and my husband have recently started following Dave Ramsey's total money makeover books and oh dear, what an eye opener that was!!! I can't believe what financial lifestyle we have been living up until that day when we discovered his books! And I can't believe…
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I will not spiral down, I will not spiral down
Although, spiral is such a lovely word! Decided to log what I'm doing and generally chat to myself (happens a lot) :) A few aims for the end of the year, 1. To be in a better place with work - hit my sales target (no bonus, just for confidence reasons) - set regular hours - better way to get to work - or leave! 2. Fill out…
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Time to be a grown up!
Hi all, So here we are. LBM has happened and it's time to roll up our sleeves and get stuck in. A little bit about us. Me, DH, DS1, 2 & 3 - all primary age and all very much a handful. After a turbulent couple of years, with escalating living cost in the South East, we upped sticks and moved to Wales for a new life -…
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Setting aside a CCJ help
Afternoon, I’m hoping somebody here could possibly help me, long story short I had a phone contract with Vodafone that was cancelled by mutual consent due to a lack of service on their part, they simply required the handset back and the contract would be terminated. They arranged for collection of the phone via courier,…
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Making Time to Stand and Stare
Hi, I made a diary last year which I lost my way with pretty quickly so with the new year fast approaching I am having another go. I am not in debt but feel that I have very little to prevent me from becoming as such if life were to throw up anything such as a job loss or a cut to tax credits etc. It is just me and a young…
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Love my life
I've used this site off and on but I really need to focus on my finances this year. I'm losing £100 from my wage (monthly) and longterm work is looking distinctly dodgy. Nothings been announced (never is) but its looking suspcious, best case appears to be the office moving somewhere inconvient and expensive to get to.:( So…
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I have had my light bulb moment!
Hi all, I am new around here. After feeling like things have come to a head I wanted to join for some moral support. Me and my Husband are really bad with money. We live beyond our means. We are both compulsive spenders and I am an emotional spender. We have been in debt all of my adult life and now at 30, it needs to…
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Eager Elephant's Effective Everyday Excursion ...
………………into Debt Freedom!! Over the last few months I have read people’s diaries and got all motivated so I think the time has come for me to do my own diary. About Me I am 29, married to my DH - 30 and we have 2 children, DS - 13 & DD - 7 today!!! We live in a rented 3 bed house, we have 7 cats, 8 ducks, 1 goose & 20 hens…
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Saving the £££’s in 2019
Hi all, Hope it’s ok to start this type of thread here! I am a couple of months away from being debt free and my goal for 2019 is to save as much as possible for a house deposit. We currently have £19000 in savings, my hubby has a limited company and has taken 6 months of training get another trade under his belt. In the…
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New Year, New Progress
2018 was my year of realisation. It was a huge milestone for me and has taught me so much so quickly. Just doing a quick check in as over the break I managed to keep my spending down to a minimum and I am really proud of the progress I am making. Since April 2018 I have gone from being £54,273 in debt :eek: to now where I…
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Freedom to dream
Hello So this is it, my very own diary. Somewhere I can be absolutely honest with myself. I've made some silly mistakes but have had my light bulb moment so goodbye debt - you're going down!! Unfortunately I'm not sure exactly how much I owe as I have one debt that is being regularly added to at a rate higher than my…
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Less Dithering, More Doing
My name is Fruity Dragon and I'm a procrastinator! I'm also sick of being such a ditherer so I've decided to reinstate a diary and get working on myself and my goals rather than watch life just float along. I've been working on changes in my life and it's a coincidence that it's new year as this is not a new year…
