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Plodding Along
I've been on here for a good few months now so it's about time I start my own diary. I have been in debt since I was 18 when I got my first credit card and I'm 41 and a half now. The debt has fluctuated over the years with the highest being around the £20k mark, but my head was firmly buried in the sand then. I started to…
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Awful weather - typical Brits talk
Well it's been downright awful here in Somerset for the last couple of days with non-stop rain! Just wondering how committed you lovely peeps are... have you been put off by gardening when it's raining? Are you a shrinking violet or a hardy perennial? Just a light hearted thread ☔🌧️
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Sky TV retention deals ( post your haggling successes )
Please post any deals you have negotiated with sky Please post The package The price and discount The length of the contract
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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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Living Large, on a Small Income, by the Sea.
I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…
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Getting FIREd up 😀
After two years keeping calm and carrying on, now feels like the right time to move on and start getting FIREd up instead 😀 Summary of the last two years: Was working for a plc, decent money but putting in a lot of hours, very little support from the business and pretty fed up with always being sent out to do battle for…
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My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
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The final countdown to June 2026
After +15 years of lurking on the site l have finally decided to create a MFW diary of my own. A brief-ish history 2009 took out current mortgage a tracker with FD, +0.79% base rate, allows fee free unlimited overpayments, and crucially, withdrawals upto the original amount borrowed. Thanks to your inspiration, super low…
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Old Burglar Alarm System
When I moved into my current house fifteen years ago, there was a comprehensive burglar alarm system with motion sensors in almost every room. I decided to take the risk of being un-alarmed, and have never re-activated this system. Now I am planning to insulate the loft and I find that up there is a veritable rats' nest of…
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An in-between phase
I am largely starting this thread so as to not rudely put a long whinge on the lovely @foxgloves and @EssexHebridean threads! I will talk a little more about my slightly unsettled life situation in due course, but for now, just whinging 😂 Today I have been trying to switch to a more money saving phone contract. It has been…
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Now for a healthier, wealthier me
Hello everyone 👋 Today I have paid my final debt repayment and because having my diary on the Debt Free Wannabe boards has been so valuable in keeping me accountable and focussed, I figured that having a savings diary would be a good idea as my next step. About me - For those I’ve not yet met, here’s a bit about my…
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Unusual Probate Scenario & Estate Advice
I write with the hope that someone out there might be able to help nudging me in the right direction. A few weeks ago, I had a Policeman knock on the door to notify me that my Uncle had been found dead in a hotel in France. I was very surprised as it was completely unexpected. I was more surprised as both my father and his…
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Private health insurance question (Beneden Healthcare)
Hello All, Looking for some advice if possible. My mum pays into a scheme with Beneden Health (for past 3 years) Recently she had an injury which has turned out to be a chipped bone in the ankle. The GP sent her to hospital who then did and X Ray and found the fracture. She has been advised that she needs to see an…
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Summertime
...and the living is easy Well, at least all about us doing the things that will make our day to day lives easier, our minds easier, and our long term life and MSE goals easier to achieve 🥂 Oh, and finding mse ways to enjoy it! Looking forward to hearing about everyone's summer aims and achievements 😊
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Fiver Friday Challenge 2025
Hello all, I've previously taken part in the 365 1p challenge but due to a change in work circumstances I won't be able to participate in 2025. Instead I'm going to try Fiver Friday where I'll attempt to put away £5 every Friday into a savings account. Should mean I have £260 by the end of 2025. I couldn't see a thread…
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Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
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Baby steps to mortgage freedom for beanielou.
My first thread on the MFW board!! My mortgage has 6 & 1/2 years left to run. My income seems to decrease more & more & it becomes more & and more of a challange to pay my hefty(to me) mortgage. I have managed an overpayment last month as I got some £££'s unexpectedly. My biggest fear is not being able to pay my mortgage &…
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Single Trip Insurance for Family with different return date
Dear Members, I have purchased a single-trip travel insurance policy for
my family, covering the policy period from 1st July to 10th August. While all travellers listed on the policy started the trip from the UK on the same date, their return dates vary. However, all are scheduled to
return before 10th August, within the…
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Lloyds bank reporting my account (after 27 years)
I received an alert yesterday from ClearScore relating to my Equifax credit report. The email was to inform me a credit agreement was being added to my report. Having panicked, i logged in, and it looks like my Lloyds current account is being added to my credit file. What i can't figure out is why its being added now (i…
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Teetering on the brink
Where to start! My life has not been without challenges and I have had times where I’ve had a lot of debt, and times where I have had none. I always felt proud to say I have never missed a payment and always managed to get out of a sticky situation myself no matter what. But this time, I am not convinced I will find a way,…
