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Getting organised for once
OK. I'm a disorganised disaster, which has left me with a tax bill of over £2,450 -including a ridiculous number of £100 penalties. I felt sick totting them up. Anyway, I also have a £2,000 loan of which £895 is left and a credit card bill of about £2,000. I managed to pay £720 off the tax bill today which leaves me with a…
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Zig's 'Save for a House and Stay out of Debt' Diary!
Part 2 of the journey begins! :D Recap: I am a 20 year old Primary Education student who has just become debt-free and is now on a mission to save money for a house deposit! Part 1 is where I started, with £2000 of debt, having already paid off £2500. It sounds stupid, but I just want to say thank you to all the girls (and…
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Soph's rocky road to debt freedom
I thought it was about time I started my debt free diary. I have struggled with spending in the past (and still do!) and had a real bad start to lessons in financial management from my ex-husband, but I have completely turned over a new leaf this year with regards to my spending habits. Over the past 4 months I have, for…
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Clear Debt/Get Married/Get House
Hi All, My name is John (Poostix) I'm a normal 30 year old bloke, GF, Kids (11yo, 9yo and 9 month old) and a gaming addiction, Luckily this don't cost much as I still play the same games I got with my system 3 years ago and only get new ones for birthdays and Christmas. :-) I'm currently in quite a bit of debt but have…
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My latest sacrifice
Hi Folks! Today is the day! I've been a fake blonde for the last 20yrs and have always had it done at the salon. I have to get the roots done ever 6wks. I wonder how many of you are in the same boat! Anyway, I have calculated how much this costs me over the course of a year and its over £400! :eek: Think of what I could be…
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.... And we're off!! (Albeit a bit nervous)
Hi everyone I'm about to default on my loans in the morning. The many loans I have are as follows: NatWest: £4400 Welcome Finance £600 Capital One (card) £520 Wage Day Advance £375 PayDay Loans £500 PayDay Express £500 Quick Quid £750 Cash Choice £500 £8145 :eek: I have been in contact with Payplan and worked out that if I…
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The futures bright.....the futures debt free
Lurked for weeks and decide to take the plunge so here goes..... A little background about me :j: Very happily married to DH for last 22 years with two beautiful, intelligent daughters aged 19 and 15 ( nearly 16 which apparently is really important!), the eldest at uni and younger in GCSE year. I acknowledge that for some…
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We cant make our mind up
if we should stay put or follow our dreams of living abroad, so I have decided to keep a diary for me to put down my thoughts as I think I am driving my family and friends insane. So some background. OH and I have 2 kids DD 9 and DS 6. We sold our house last year and moved to a new area. We had planned to buy another house…
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THE FUTURE IS ONE BIG CHALLENGE AFTER ANOTHER for 3Dogs ....... and friends
This is in effect Part 3 of my diary journey, Part 1 is here and Part 2 is here. Those diaries dealt with how we got into the problem we were in, and how we came to get help from MSE/CCCS to deal with the debt we were, and still are, in, and I thank my friends on here for their fantastic support during that time, which…
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Lbs and £££- you gain some lose some
Hello I will start at the beginning of this sorry tale.... My wife had been working really hard to pay of a lump of debt some of which i racked up myself through poor money management, I didn't really engage with this process. Subsequently I had been secretly cacking up approx £4k of debt and had been bare face lying about…
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Arthurs Onwards and Upwards Diary
After much lurking i have decided to start my own diary. Have included all my debts (bar the mortgage and car loans) which i hope to clear. The main reason i can look at clearing some of the debt is i am now working after being a sahm for the last 2.6 years with my 3rd little un. Most of the debt was accrued when my other…
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Skinto's 2011 road to being debt free
Hi guys Well, I've read lots of threads since my LBM last March and received help and support which I have appreciated sooo much. The diaries seem to help people so I thought I would give one a try. My story so far...hubby and I are in it together. We started a DMP in May 2010. It isn't an easy ride but we are hoping we're…
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My fight for freedom
Hello and welcome to a nice, sparkly new diary. :j I'll explain where I am and what's been going on as my introduction - hope it's not too boring! Basically, I've been stupid with money. Ever since I was allowed a credit card, I've never seen it as someone else's money - I've been allowed to have the money... but then came…
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2011 Bring it on!
With only 27 days left of 2010 I thought I'd better start organizing myself ready for the New Year. This year has been one disaster after another so I am now determined to make 2011 my year! My main concern is that I am so unorganized, I work between 16 and 25 hours a week but around my home I do !!!!!! all except mong in…
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Personal quest for financial freedom and wisdom
Hi Havent get a regular diary on mse for last couple of years but think I need to as have so many thourghts/ideas and plans and will help keep me motivated and on track. A bit about me. Im currently 30 expecting 3rd child have 2lovley girls and boy on way in april. Im currently stay at home mum did work fulltime with 1st…
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Decisions Decisions
Hello all I have been a lurker on the site for a long time and have been writing this post for weeks in my head!! :o Well tonight I decided no more faffing about!! So here goes.......... First back ground, I am a mummy to a DS who’s 3 and a DD who’s 20 weeks, I am currently on maternity leave (supposedly but that’s a story…
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New house....new me.....new start.....
I've decided to start a new diary (again :o ) to mark the start of a new chapeter in my life and [STRIKE]hopefully [/STRIKE] the beginning of my journey to ending my debts once and for all! So, what's new.....well OH and I moved into our very first 'own' home early August :D We're very much happy and enjoying making it…
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I have the poweeeeeeer!
Hi all, I'm feeling like an empowered moneysaver at the moment - I don't know what's come over me, but I seem to be on a mission like never before! I've never really got to grips with my bills and debts before, only making a few half-hearted attempts in the past. But in the past few weeks I've really started to feel like…
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I want to break free!
Hello everybody! First of all Happy New Year to you all:beer:! I have decided that I'm gonig to make a huge effort to pay off as much as I can this year.Not sure how I'm going to do it, but I will - must think positive thoughts! I feel I've had a rough couple of years, and want that to stop. Got made redundant, rented flat…
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Statement of Affairs.
This is my first Statement of affairs on MSE. I couldnt think where all my cash is going as I am clear at about £930 below. We have recently paid off our loans which totalled about 450 so thats a big chunk of it, but Im still 400 out. We go out alot so maybe drinks and eating out isnt enough. I just had to buy a new car at…