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my name is sillybilly and i am a debtaholic.....
hi all i have tried to keep a diary of my debt before but always fallen off the wagon so here goes with 3rd time lucky!!!! :eek: about christmas time my total debt stood around £8500 :( but i have struggled and made myself go without thing i want rather than need so i can become debt free and give my boys the life and…
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Lifetime Money Habits Need To Change
I have always spent beyond my means and everytime I get into debt I pay it off (or tell myself that's whats happening) with a remortgage when we move house. We are not moving house for a long time and I have racked up around £7000 of debt that need paid off but this is not a short term thing. I seriously need to change the…
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Wanting to be debt free BEFORE retirement!
Hi all I've been lurking and reading this forum for a number of weeks and been inspired by the fantastic progress made by others and have finally taken the plunge and looked at our debts. The biggest step was talking to OH about them - he's not daft and knew we had several credit cards (most maxed out:o) but it has always…
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Not so much a DFW Diary, more an "Up Your Income" record thread!!
I thought it about time I started to utilise some of the many skills I have learned at various times in my life, and make some money with them :) This thread is a diary of sorts, as I try to track the money I earn through using the skills I find myself armed with :D As a bit of background, I am a Personal Trainer & Fitness…
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Trying to sort my life out...
Hi, Not entirely sure if anyone will read this as no doubt will be rather long and rambly but hopefully will at least help me to sort things out in my own head by getting them down. Have basically been in debt since I was 18 and am now 28 and getting nowhere fast with it. I moved in with my current OH at aged 18 but for…
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Make an offer on your outstanding debts.
If you have the possibility of borrowing money from family or selling off some unwanted assets. You can offer 50% of what you owe to your creditors and they will probably accept. I did this with 3 creditors, 1 credit card company,and 2 banks. They all accepted 50% of what I owed. Saving me a lot of money and years of…
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Claire's big life change! Debt free
Hi, I have been completely inspired to start a debt free diary after reading everyone elses stories! My story isnt a negative one. My fiance and I are about to embark on some pretty big life changes ie everything bar having children!! We are both late 20's and have realised that nows the time to get real in life and make…
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Benbenandme's Coffee Shop ... All welcome!
Welcome to the next chapter of my diary !! The last one, benbens moneymaking adventure, started 12 months ago and I thought it was now time to crack on with a new chapter. For those of you who are new here, welcome!, for those of you who have helped me on my journey, thankyou and please continue!! :D :D I will post my…
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7 years later
Hi,Just thought I"d add my story 7 years ago we had so much debt £29,000 on loans credit cards ect as well as a morgage all of it our fault for being greedy,it got to the point where I did"nt sleep with the worry I had missed loads of payments phone rang all day every day people chasing for money,at one point decided to…
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well thought i would start a thread to keep me going
overview : was earning lots all debts being serviced monthly ended up off sick for roughly a year _no_ income at all everyone advised i went bankrupt back when i was off sick pride/stubborness/stupidity i didnt go bankrupt total credit cards/loans outstanding whilst off sick. 17904 plus arrears on _all_ utilities and…
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Query re budget for DMP and IVA
Hi can anyone tell me, is the budget similar for a DMP and IVA or is the IVA budget stricter?
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Pen's phase 2 -the long debt slog and de-clutter
Time to start a new diary I think. Spring must be on its way as I'm now on a de-cluttering mission as well as the debt busting. Spends today have been minimal - one cheap hair cut and I managed to get the weekly groceries for around £50 (which is amazing for us as its normally closer to £100). I know I could get it lower…
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making headway?
hi guys, this is my first thread. i started with £14k + worth of debts, mainly credit cards with some personal debts chucked in (light bulb moment june 2007). it has been a long 3 years with ups and downs but i have made sure to keep a list of the ammount of debt i have each week. i find it really helps me to scrool back…
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Time to make changes...
I am fast approaching my 42nd birthday and I have been in debt for 24 years, I cannot remember what it was like not to have debt. I am frighten that I will still have debt in 20 years time when I will be looking towards retirement. I need to make changes in my life that will benefit me now and in the future. I have had…
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How many phone calls a day ?
Since getting into a DMP with Payplan last month, my phone has been RED hot with calls. On advice elsewhere, I identified the numbers and auto diverted them to voicemail. The odd one gets through, if they withhold the number, but most just go to voicemail, which they never leave. I have been keeping a log, and they start…
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Timing is everything (not)
Started a DMP with Payplan last month, and my youngest is just about to go back to University. Last year she was in Halls (£1500/ term, £4500 the year) but this year she wants to share a flat with 2 others. It SHOULD work out a lot cheaper for her, rent and bills wise, BUT the letting agents all want a guarantor, and…
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Default help, urgent advice needed please!!!
Have moved this post to DFW and am hoping someone will be adble to advise. Thank you Beanielou for your help!
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My name says it all...Its been Going On Too Long!
Good Evening fellow MSE's :beer: I was on this site a while ago, but kindof lost my way for a while and have decided to start afresh, new name, new start right? :think: I'm not going to beat around the bush here, I wanna be debt free in 5 years, including the mortgage (SOA at the bottom of this post, if I remember! :D )…
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Enough lurking, it's my turn.
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'Here We Go Again' - Evan's Final Journey
So here come's my diary. Again. I could say I had a LBM before, only I don't think I did, since I now owe twice what I owed then. Actually I don't, OH and I do. A lot of it is down to my lack of ability to say 'no', not just to the things I want to buy, but to her also. And I still don't think it's clicked. I'm supposed to…