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The 'complete this challenge' challenge...suitable for all!
I know I'm not the only one who jumps headlong into just about every challenge that gets posted on here, and then loses steam within a few weeks (or sometimes before I've even turned the computer off :o ). So, my challenge for all those fellow givver-uppers is simply to complete this challenge!:D You choose what your…
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Default Help Please
I need some help with Barclaycard Default i have. Bit of background, I had two defaults in 2003 - Barclaycard and Mobile Phone. Both were deleted after 6 years, in 2009. Then at the beginning of this year 2010 - another default appeared on my account from Barclaycard dated 03/02/2008, i disputed this with Experian and they…
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Debt free in 34 months!!
So i've decided to start my own debt free diary thread, sort of a little blog to keep me going so i can look back on it all some time down the line to see how things have been going. Since the age of 18 i got into a few little debts, be in overdrafts, student credit cards, store cards etc. I've managed to pay a few off…
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My Ongoing Challenge - To live with my means
Good Morning MSE folks I'm starting a new diary today because a) the old one had boring title b) its September & I've got that back to school new pencil case feeling c) things have changed somewhat since I started the original one so want a fresh start If anyone is interested ...this should be linky to old diary the…
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Waterwatcher wants to move ... need to stick to budget
Well I'm awake bright and early on a saturday morning, I've a week until payday and again I'm living on the credit card. There is no need to, I've enough to live on each month, but there always seems to be too much month for the money. I need to control my spending. I would like to move house in about 2 years time and have…
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Final push on the Debt - Australia here we come..!
Hello all I'm a long time MSEr and love reading the success stories on the forums, so thought I'd give one a go myself!! Our current situation is this - after years of spending more than we earned, moving debt from one 0% credit card to another, paying above the minimum but still managing to get ourselves into approx 3k…
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Ever decreasing circles
Well its coming up to 5 years of being an on/off dfw, the last couple of days I've felt enough was enough and I seriously thought about trying to bung the lot on the mortgage or take out a loan, I know its not the answer, but I was fed up with it all. I decided I need to feel positive again and get going being more…
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Debt Dropping the Elfen way!
Have tried this before, but plan to stick to it this time (must remember to subscribe to my own thread.....) I'm Elfen, I live with Pint and I have my own debts. They only total about £2k, but when you don't have it, it seems like a LOT! Currently owe money to: 3 - £35 Hamptons (Cap 1 and HBOS OD) - £320 Buchanan, Clark…
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Wake Up Shake Up
Morning all **waves** I have been here before a couple of years back under a diff name and lost the plot basically, from money to love to work everything went downhill so rather than digging all that up and looking back i want to look forward and get things sorted. My name, Hamster Wheel, something i feel like i have been…
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Hypno's "just for today" diary of rediscovery.
No surprises then.......4000 posts in my last diary coincides nicely with the confirmation that my mortgage has finally been transferred into my name, and the responsibility for keeping the roof over my heads and the heads of my children is all mine. No one to fall back on - the buck stops here. It also coincides nicely…
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Now there's a thought!
Afternoon All I think I have started about a million diaries over the last 12 months and I just don't seem to stick to them, even when i do really well I just fall off the wagon, sometimes I just jump off and other times I go screaming away from the wagon but I always seem to come quietly lurking back. My last diary went…
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I want an easier life for myself and my family
I have decided to embark on my pathway to being debt free. I have been lurking verging on stalking on these threads for a while now,i post occassionally, but normally i tend to just read and run for hills. My lightbulb has being changed and it is now letting off immense light, i need to sort out ours debts asap. i dont…
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Battle lines drawn
Hi to everyone its another day in Debt Land and the Postie has just been Iv`e opened and read the repetative letters from Capital One and Monument and im just deciding wether to file them and take the dog for a long walk or sit down and write my 12th and 13th set of letters explaining my current situation and how much I…
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Rocky Road to Debt Free Wedded Bliss!!
Hi ladies and gents! I joined the website last year after my LBM at the time I had a wedding booked which we had to cancel due to finances, anyway a year on and we feel ready to start planning again and have realised whats important, we are not planning the lavish wedding we were before and instead are doing it MSE…
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Dame Washalot Starts Scrubbing Her Debts
I've been a long time lurker and finally joined in June this year. I've just got back from holiday a few days ago and apart from a few days I have booked in Barnsley in October I have no major spends in the pipeline. Having said that, there are only 4 paydays until Christmas:eek: and I have 3 children under 8 who think…
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Time to get my butt into gear and wiggle these debts gone
Righto, after reading and lurking on here for years, i have finally succumbed and got myself a diary So lets start at the beginning, i left a very viloent relationship 7 years ago, with DS and DD1 (aka things 1 & 2) with just the clothes on our backs and £16,978 worth of debt, and it took me a while to sort my head out,…
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New School, New Start
Okay, so the daughter is off to a new school in a few weeks. Having added up the cost of the uniform (:eek:) I decided to have a real good look at the family finances. I'll be honest, we have been plodding along and thinking ''we arent that bad'' but truly, I think i am an Ostrich. I have a credit card im paying off, its…
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Triumphing over the Evil Pigeon
Morning all, By the end of this month we'll be down to 3 debts outstanding as well as the mortgage and all efforts are now being made to reduce expenditure and to increase income to get rid of these as soon as possible. We can pay everything each month but for peace of mind need to clear our feet and start paying down the…
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Getting started
Right then. Have realised that after 3 years of being a single parent that my debt is not going to get smaller by itself. I separated from my husband 3 and a half years ago. I left the marriage with the house (£150k mort and £50k equity) and £10k of commercial debt (half of what we'd jointly accrued) plus another £7.5k of…
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Chasing daydreams....
I've been thinking about keeping a diary on here for a while, and I've been trying to keep myself on the straight and narrow, but after a blow out weekend, leaving me with a hangover and only 80p in the bank I think I need some help! My husband and I have nearly £35,000 worth of debt. No excuses. We've enjoyed life. We…