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Hello from a newbie

Hi everyone. I've been lurking around these boards for a while and I've decided it's time to get registered. I'm embarrassed to admit I've managed to run up debts of £12,801.00, made up of credit cards and loans. I am managing the repayments but it's not leaving me much left over at the end of each month.

I am going to make a real effort to try and pay more towards these debts and I'm sure that'll I'll find plenty of advice and tips on here.

Thanks for reading.

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