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Giving every £ a job
I've decided to be brave and continue my journey from lurking on these boards, through posting on these boards and I now feel ready to start my own diary. I don't actually have any debt anymore but I am very bad at saving so I've decided to set myself savings goals and treat them as debts to my future self. I was…
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Redemption - The journey of a recovering gambling addict.
Ok. Here goes. This is my journal on my journey to redemption. First post is to outline my current situation. Salary- £75k + Married Two Children Personal Debts Bank Loan 1 CAR - £20433 - £352 4.3% Debt Consolidation Loan £10,344 £153 5.2% MBMA - £4300 - 0% 14 months NatWest £3000 - 0% 12 months I have told my wife…
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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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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
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Champagne supernova’s debt free to savaholic diary
Hi all , Im going to start documenting my journey to financial stability and security. I have a post about my DMP here : https://forums.moneysavingexpert.com/discussion/6509459/at-the-end-of-my-2nd-dmp#latest My story is as follows: Debts at their highest - £11, 274.34 Debt-Free Date (projected) - July 2024 Debts March…
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Debt Reset....
I'm sorry for stopping my other diary so suddenly. We applied for PIP for my son (the House Troll) and i expected to have a fight on my hands. The speed with which the DWP said "Yes, ok, here's your money" really threw me. They had a couple of phone chats with him to confirm a few things on the form that we filled in and…
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Mrs. P's Savings, Paying Off CC, being more organised diary
I've now taken early retirement. Sadly I've built up CC debt yet again, but is only on one card and it is the only debt I have now. I really need to get this paid off, whilst also saving and making ends meet so I don't need to use the card again. I have decided not to stress and panic about over-paying (which is what I…
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misstara's debt diary 2024
I've decided it's time to start a new diary as the old one has been on the go for a number of years and I feel a fresh start would be good especially since I have less than £600 left to pay off the credit card. I'm hoping to stay debt free this time and hoping a new diary will keep me focused on this. My first diary was…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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Weight loss and healthy eating for a debt free life
I've been thinking about this for a while and I've seen a few other people mention weight loss so I wondered if we should have a thread. There's a giving up alcohol one but obviously we can't give up food. I also realise that not everyone with a food buying problem is overweight. I overbuy and some of the overbuying was…
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Road To Financial Recovery
Ah, time to get back into the race so to speak, can’t believe I am doing this again.It is time to start taking finances seriously again. It is a rubbish feeling to be back in a position where I feel my finances are back in a mess. There isn’t any major debt so that is a positive of course but feel like a plan is needed…
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2024 - slowing down, simplifying and saving up for a more intentional life!
I’ve decided to draw a line and start a new diary ahead of the new year. For background, I’m in my mid 40’s, Mum to one amazing little boy and feel as though I’ve never got a grip on this whole adulting lark! This is reflected in the very chaotic nature of my life and the way I budget / manage the household finances (or…
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We will get this debt down & the savings up
Several years ago I joined MSE with a different user name, but then it all went a bit wrong with losing job and other things, so I sort of fell by the wayside. Now I have created a new profile and am starting again with more determination. I have read so many people's diaries and can see that it helps you focus and it is…
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Kezzy's debt journey 2024
I've been a member here for a long time, but for the first time I am going to create my own debt free diary. A little about me:nhs nurse, married mother of 2, and 2 doggie children. I have a bit of a problem with gambling, but hopefully I'm addressing it now I have used gamstop to block myself from uk sites. Lightbulb…
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Evasive action! Stop the trench becoming a hole.
I need to take evasive action, and I need to hold myself accountable. I'm not going to call where I am a hole. It's still a rut. A trench. I've got savings, but they are in accounts where they earn good interest rates so I hate touching them. I've just moved house, and I've been doing a money shuffle every month, borrowing…
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A new chapter, An empty nest, Drama school & Last year of Uni
I've been on these boards for many years and a long time ago did start a diary when we'd had a windfall and cleared some debt and I'm not sure what happened but 'life' got in the way. Today starts a new chapter of my life as my youngest has just left home (albeit temporarily) for her to access a drama course in a different…
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Desperate to retire...
Hi I'm a single mam with a teenage son, spaniel and 2 🐈 Until a few days ago, I thought I had 6 months leftt on a loan.. nope it's 18 months. Over the last couple of months my cat ran up £500 at the vets and the car needed repairing.. after all it does need to be able to start.. that was another 500. So I've worked out my…
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Budgeting by the beach
I've been on here lurking for some time, and I think it's time I started my own diary and keep it updated. I originally tried to get this diary started in 2021, but just wrote one post which I then deleted. I've decided to resurrect this one on Friday 6 May 2022. Last year I decided I needed a fresh start, so I moved close…
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Life is a journey to be experienced, not a problem to be solved…
Hi all, F26 Finally facing up to a situation that’s been getting rapidly worse since I was 18. Fed up of feeling self loathing, judgement for myself and full on misery. Struggles with gambling addiction (in recovery), payday loans, cost of living, mental health struggles, financially supporting an out of work (now ex)…
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Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…