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Frugal, thrifty, make do, mend! Let this debt come to an end!
Hello all, So by my reckoning, that magic spell in the title should take about 4 years and 4 months to take effect at current debt repayment and spending rates. :rotfl:. However, there is no harm in trying to help things along a little, is there? I am recently divorced and live on my own in a rented house with my 2 cats.…
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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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Managing Mat Leave
I've been meaning to start a diary thread on here for a little while. I'm due to start mat leave in 8 weeks which was not entirely planned, meaning from a financial point of view it's a little tight. Definitely manageable but we need to keep track of a few things as we have some debts we're paying off as well. I'm hoping…
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My journey to health, wealth (well, saving for works to house, so not really!) and hobbies
Starting a new diary as feel like I need a fresh start/new motivation. 43, married, 2 young DC. Work almost FT (28 hours) in a professional job. No current debt (other than a mortgage) but been in serious debt in the past due to stupid choices, mainly to try to keep up with the Jones's. Still have a tendency to feel…
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Breaking through the debt and life challenges
Hi everyone, I read a number of diaries here and I figured it's time I should start a diary of my own as a means to help track my progress on getting rid of the debt and possibly help me vent and unload some of the personal and family life struggles and challenges. Our position isn't bad but I'd like to clear the debts to…
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One man band......
Evening. I've been here before and closed down my diary, but I missed having people to talk to about my financial woes. Not one person knows my situation and makes the burdon quite heavy. I have considerable debt. It was at £45,000 and now sits at £27,000. It's a mixture of leaving my first partner and taking on all our…
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2024... Debt no more🤘
Hi all, here I go to ridding myself of debt for the final time. I don't want to work forever and would like some good savings before I reduce my working hours. I'm not getting any younger and suffer with various ailments so instead of borrowing I need to pay off what I owe and save instead. Previous borrowing was always…
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Diary of a 30-something idiot
Hi everyone, I've been lurking on MSE for a LONG time desperately trying to ping my reluctant brain into some form of lightbulb mode. My life is imploding around me and my ADHD brain is constantly seeking dopamine and for years that has been through the form of impulse purchases, which obviously has caused me some huge…
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Getting rid of that debt in 24
I owe £1250 on credit card and want to get rid of it. I can afford the interest but that's not really the point. I can afford to pay off around £150-200 per month so I should be able to get rid of it in about 6 months, by May 2024 or at least by November 2024. I don't have any major expenses projected for the first half of…
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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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A Cup of Coffee and Two Paracetamol - Debt, Disability and Getting Organised
Finding courage to start a diary and stay focused, and have some support and accountability with other people. I am at a point where I really need to focus on managing debt and organization of money. I am entirely embarrassed by the amount of debt I have (vs income anyway) and it's making monthly budgeting a juggle and…
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Geriatricmum vs inner voice: A monologue
Me: "Kids are at school and nursey, workout done, kitchen clean, 100th wash in the machine.... Time to relax with a cuppa and maybe browse the sales." Inner voice: "you have £44.39 in your current account and zero savings" Me: "yeah but I can pop it on the credit card!" Inner voice : "you're currently using over 92% of the…
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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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Moving from StepChange to Self Managed DMP...)
Hello all :) I've been on a DMP with StepChange for three years and my debt currently stands at £2,555 and I owe to six creditors - four are with debt collection agencies and two are still with the original creditor. SC have been brilliant and a life saver at the start of the plan - the thing is I have been considering…
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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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Walking into another chapter ...
Welcome one and all ... to those of you who have managed to avoid my diaries until now as well as those loyal ones of you who have stuck around over the years, thank you :) So another year is about to begin and now seems as good a time as any to start a new diary. This will be my 11th (I think?), I've been around here…
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Round in circles...
So, here I am again, back after approximately 6 years after clearing all of my debt. I was approximately £25,000 in debt at that time and swore never to be in this situation again..yet here I am! I have been in denial for the last 2 years, paying the minimum payments on my DEBT cards and wishing for a resolution since…
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Here Goes...Starting Up on a Journey
Hi All, I've made some reckless decisions recently, tried to invest money, kept borrowing to invest more and lost it all. Ridiculous I didn't learn after the first one, two, three, ten attempts. But we are here now: Essentially I am up to my eyeballs in debt and have about the same amount of debt and interest payments)…
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First timer seeking accountability
Hi all! 👋 Firstly I am a long time lurker 👀 first time poster. Little obligational background for context: 32 year old married mum of 3 aged almost 18, 8 and almost 3! Was in an abusive relationship from age 13 until I managed to flee with my son in 2010. Met my now husband late 2011 and the rest is history. We have two…
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Flying solo
I previously had a diary (well actually I've a few) but in June I had a big life shift which meant I disappeared for a while! I've had a few attempts at trying to pay off debt, made great progress and then progress stopped and the debt increased again. But this time I seriously mean business and I am determined to get this…