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Same Same, but different.
Well, here I am again. So, I believed things to be on the up (despite the pandemic/ uncertainty regarding having a baby on the way), unfortunately things were not on the up. Good news first: * Baby Lonelyrat arrived in June 2020 perfectly healthy and is now a boisterous, almost, toddler. * OH is still employed by a decent…
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Mortgage holiday to clear some debt
Hello! I could do with some advice! I have substantial debt of around £25,000 (not including mortgage). At the moment I can only make minimum payments, with one of my credit cards I am paying £200 and £140 is coming off in interest. I am looking at all I can do to get some money to throw at the debt, and I am going to ring…
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House repossessed due to council tax debt
Hi there I moved out of the family home (which is mortgaged) 8 years ago and divorced my ex wife 6 years ago. There were some council tax arrears when I left but the council put a charging order on the property so as far as I was concerned that was sorted out, Since I left my ex refused to pay any council tax. I have now…
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I'm half way!
Updating my signature settings this morning and I'm now half way in paying my debts off! Original Debt: £22,045.36 Total Debt now: £10,967.21 So... I've made a few changes at home and I am in a position to pay off a little more each month. at the moment my debts are: Tesco Loan (2.9595% APR) Minimum: £134.63 Santander Loan…
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Debt help would be most appreciated
Good evening everyone, I would be most grateful for any guidance on how best to address the terrible plight I am in. I live in Northern Scotland and am off my work long term with depression. I receive half pay from my employer (£18,500), however I have accrued serious debt since the onset of depression. I have been…
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What Small Things Will you Do This Week? 11/10/21
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small Things Will You Do This Week?? 13/09/21
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Totally new
Morning guys! I just wanted to say I am totally new to all of this and I have been lurking on the forums for quite some time just never really had the courage to post really! It wasn't really until my house became overcrowded and I knew I needed to move house but I can't as I cannot get a privately rented house because I…
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What Small DFW Things Will You Do This Week 16/08/21?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small DFW Things Will You Do This Week 26/07/21?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small Things Will You Do This Week 19/07
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What small DFW things will you do this week 12/07
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Took the first step
I've posted here before about my debts before and never followed it through properly, but after a couple of days ago when I had to pay three credit card bills with another credit card, I realised that I HAD to do something about it. Worked with CAB and have sent letters to the main debts with a proposed payment agreement…
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What small DFW things will you do this week 17/05/21?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Lowell
I received a letter from Lowell on Friday offering me a 90% discount on £1600 debt. I actually have 6 debts in total all with Lowell so I called them to ask about a discount on the others the guy was like no. I called them back today asking the same question and they’ve now applied the 90% discount to them all saving me…
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What small DFW things will you do this week 03/05/21?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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One Last Push -
So for those in debt, who cant see what's what...rest assured you can make it. This week I paid off four loans, these were short term, high interest loans. After being in debt to the sum of £65K and some recent bad decisions with loans I can say I am nearly there. All that is left are two loans (used to buy cars in 2019)…
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What small DFW things will you do this week 29/03/21?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Difficult and messy situation that needs sorting
I really didn’t think that I would be in this position at
the grand old age of almost 47 but here I am. Apologies for the long post but I am hoping it
will be therapeutic! To say that things have gone pear shaped for us (wife and I)
over the last 5 years would be a massive understatement but the time has come
for me to do…
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How do you stay motivated?
We've done pretty well recently and paid off a couple of small debts which always feels great. Over all, we've paid off over £8k this year so we're well on our way to becoming debt free. We have a small debt being paid off next month but then the next debt we clear won't be until May 2022, and that's with throwing…
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