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Poor Credit Rating
I would like to improve my credit rating as it currently stands at 220 but dont know where to start. I have been seperated for 2 years and am currently going through a divorce. My name is still on the mortgage and I am in the process of getting it removed. My wife stays in the house with her partner and my 2 children,…
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~Littlekel's new diary for a fab debtbusting 2011~
Hello MSE world This is my new diary, i felt like i need a new start to give myself a kick up the bottom. 2011 is hopefully going to be a great year for us. We are getting married in May in Cyprus so the first few months of the new year will be dedicated to managing to pay for wedding things we need and paying back…
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Where's that flipping lightbulb when I need it? SOA INCLUDED NOW
I was a bit short of money this month, created a budget and got the fright of my life. I had no idea how much money was going out in debt payments and it has shocked me to into starting a diary to give myself a shake. I bring home £2150 a month and am spending £1k on repaying debt (not including the mortgage which is…
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The quest for home II (the battle of the debt to the deposit)
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Time to sort this mess out!
Hi all, LONG POST WARNING! I've been building up to LBM for a while, technically this would be my 2nd LBM in my 24 years- not good I know but I'm back there again and I need to sort myself out! 10 months ago (August 10), I'd managed to clear £1800 from my CC and closed it down; cut my Graduate Overdraft from £2000 to £1000…
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New year, new start for mancbird. 2011 WILL be a great year!
Hi, hope you don't mind me starting a thread on here! 2010 was a bad year for our family and I am determined that 2011 will be much, much better! Money was pretty tight for us last year and we have started 2011 in much the same way but with a big shift in attitude. We are actually feeling very positive about this year and…
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My Debt Diary
I am 25 years of age and due to the loss of a work mate i am intending on changing my life completely. When i was younger i was stupid with money, buying cars, nice clothes, tools for my job and generally wasting money on take aways and things like that. When i turned 21 i moved from home and moved into a flat with my…
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No money, mo' problems! Losing all kindsa pounds with MouldyDC
Afternoon all! It's finally happened, I've decided to tackle this whole debt thing head on! I've taken out all the parts of the SoA that didn't apply; family, pets, cars etc. Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . .…
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Please Stop Me Now....
Ok, I am having a good time but I really need to stop. I have posted a couple of diaries in the past but as with most things I start my interest/motivation wanes and it goes by the wayside. Why doesn't my interest in spending ever wane? In the last few months I haven't been really looking on this site as much but I have…
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Unnecessary spending must stop...
Hi Everyone, I've lurked around the site reading forums etc for years and thought i was sensible with money but it turns out..i was very wrong! Since i moved out of my parents and into my own home with my OH 5 years ago it's all gone a bit downhill. I seem to spend on irrelevant things i don't need (magazines, lunch,…
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Big Spender No More!!!
I’ve been lurking on this forum for quite some time, and thought that starting a diary might stop me from falling back into the debt trap, which has happened so many times now, I’ve lost track. I need to keep a tighter hold of my spending, particularly when it comes to food! I eat too many takeaways and don’t plan ahead…
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Just made £150.00 on ebay
Just totalled my sales up on ebay and it comes to 150.00, which is great, but what debt do I pay it to. I owe that much and to so many creditors that this is just a drop in the ocean and today is the day the phone calls have started. I have emailed everybody to say I cannot take calls at work and asked everybody to email…
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I want to be debt free
Hi Everyone, Well i've just sat down and done my SOA and didn't relise i was in as much debt as i thought. This is not good at all and I want to get out of it asap. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household.........…
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This diary is brought to you on lots and lots of coffee!
Hi all, just wanted to start a diary, which hopefully i can remember to come back and update! :A My new budget starts Friday so i have done myself an SOA for me to keep to. I get several different payments throughout the month, i.e. different benefits, wages, child support etc so i have also wrote on my calendar what each…
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Debtfreeforme's 2 year debt-free challenge
After years of reading posts by others on here and being inspired to change our situation, I have decided that keeping a diary of our debt free journey might help me to stay motivated! Feel free to make suggestions or just keep me company. A little bit of background: I am married with 2 children (aged 5 and 20 months). My…
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Spouse's debt
I am new to the forum and just wanted to say hi. I am 26 years old. My credit is not the problem it is my husband's :mad:(LOL... the face is more mad than I am).
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DIARY - The Tribes and Tribulations of a Graduate
Hi all, Not sure if this is gonna work but thought i'll try keeping a wee diary to see if i can keep control of the old finances. Firstly i had a cracking time (maybe a bit too much) at uni and came out with a lot of debt. i took a loan to pay off cc debts and then stupidly worked them up to a stupid amount again. i've…
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New Diary
Hi Been given advise to do a diary on here regarding my efforts to become debt free, oh say in 50 years time. Well it feels like thats how long it will take. Here goes: My fall into debt began when my children left school and my maintenance stopped as well as family credit. In one go I was down 700.00 and have never been…
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Lightbulb moment-Emily's Diary
Well as the title suggests, I have just begun to realise the seriousness of my situation. I've known for a while that our debt was getting to big but we've kept spending. Not on big luxuaries but we havn't cut back enough to start properly repaying our debt. At the moment we owe about £20,000. Made up of 2 loans, 4 credit…
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having an idea and running with it.. the fudge way!
I'm renowned for my hair brain schemes. I flit from one idea to another, change my mind about something umpteen times a day. I've been talking quite seriously about setting up in business to DH. He rolled his eyes (oh, not another hair brained idea!) and said to me "sit down, research, research and research more. Don't…