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Paid off £30K, about £6k more to go!
Just joined the Forum and thought I would record some of my experiences and thoughts here. Maybe they will be of use to someone else. I am a 35 year old woman and I have sadly been in some form of debt or another for most of my adult life. I am determined to be 100% debt free by this time next year and I want to spend the…
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Newlyweds: J_pink's debt free diary
Hello! I am one half of newlyweds. Last month was mine and Hubby's light bulb moment! We started our lives together £13,000 in debt - and that was before the wedding day! An accumulation of nothingness; debt mainly holidays in the sun and student debt. We owe: * £8,400 on a Halifax Loan at 9% APR * £3,000 on Virgin credit…
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Stepping stones to be debt free
Having read other diaries I have decided to take the plunge!!!! OK, here I go . . . I am recently married and finally had my (our) LBM on the 24 Jan 2011 :idea: We have between us 16K of debts, I think this is mainly due to the wedding. Bad planning on our parts. Our other weakness is food and eating out. Our debts are…
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My Debt Diary..
Hi, After a few years of burying my little head in the sand and paying minimum to each credit card, ive hit rock bottom personally - so decided it was time to at last - sort my finances out. My signature lists my debts to who and how much going to find out the apr when im off over the next few days..see if i can get a…
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Clippy's £11.5K challenge
Now I am back from my lovely holiday to South America and have moved into my house, I feel a new diary is in order! This one will be all about debt busting mainly as I have nothing to distract me now! If you are lacking anything better to do, my previous diary can be found here-…
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Knitted baby hats for south africa
Hi all As I am going to be sitting around ALOT the next couple of weeks, I want to knit the baby hats for south africa Now there was an address to send them to either in the UK or south africa, but I don't have it. As I got the original pattern off the forums somewhere, I am hoping someone can give me the address thanks…
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robinsonway/united utilites
I moved into a property in 2007 and moved out 3 months later. I informed all the usual gas/electric tv licence and water. All bills I paid, expect water . they did not send me a bill. when I moved out I again informed all the above and continued paying in my new address. Again water did not bill me, though they regulary…
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Little Lights - Cinny's 2011 Diary
I keep on typing this up then deleting it, I don't know what's wrong with me! But I do need to get out of my head sometimes without filling OHs with the rabble so I hope the eyes reading this don't mind. So, on December 24th we paid off all our credit cards and OHs student overdraft. It was by fair the best present we…
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What is pilates?
Who had tried Pilates classes. I had started this discussion here because I would like to know how many people know the Pilates. I am asking this question because people are thinking Pilates and yoga both are same thing.
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Third time's the charm
Ah, where to start. I had my original light-bulb moment last year - but didn't do as much as I should have about it. Started again in summer - but everything went pear shaped and I've just been hanging in financially for the past 6 months. Last month everything went to hell - and I've now go the choice of sorting out my…
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Time rich cash poor - but happy that way
Well - once more I think I should put my musings down on paper (well, laptop, but you know what I mean) My situation is not desperate as I can pay bills each month but I want to be far more comfortable with the current climate and my future plans (but more of that later). So my new motto is - I'm time rich cash poor but…
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InaPickle getting out of a pickle!
OK, I am here as someone who is, ironically, normally not too bad with money. The main problem is that I have been earning a very small amount of cash this past two years, and as someone only working part-time but thought that I would be working full-time far sooner than this has actually transpired, the few hundred pounds…
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My 'getting rid of my debt' diary
Ok I'm sure this thread will end up being for me only but think it might help me to see the little things that I'm trying to do to sort out my debts as I am a very impatient person and can see myself easily becoming disheartened when my debts don't start coming down quickly enough for my liking. So each day I'm going to…
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Macgirl's "I Can Do Anything....If I Put My Mind to it" Diary
Hello! Since starting my last diary "Stop Procrastinating and Get on With it" lots has happened. The main thing is realising a dream of moving to a larger house more suited to family life – we moved in last week and it already feels like home:j But I have also realised that I only procrastinate about paying off debts (and…
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Time to sort this mess
Hi people After finally owning up to myself about how much debt me and my wife are in ive decided to sort it out and do i diary on here. so firstly here is a bit about me, im 29 married with a baby 2 weeks away from being born. we use to be fine with money until 3 years ago we decided to get married and had 18months to…
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Time to stop shopping....
Hello everyone! I'm starting a diary simply because I buy too much 'stuff' and need to be more disciplined with myself. I'm hoping that if I keep a diary of my spending and saving it will keep me motivated and stop me from buying unnecessary things that i need. I don't have any debt really- I pay £75 a month for a loan of…
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For MSE students-join in if you are studying
From my daily wanderings around MSE I’ve noticed that lots of people are studying so instead of dragging other threads off topic with exam chat I’d thought I’d start a diary for students so that we can support one another with study and exam related issues. Part time or full time, doesn’t matter, everyone welcome :) Please…
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I must be wierd because I actually enjoy all this!
I don't like being in debt as such but I do enjoy the challenge of paying it off to the point where I know full well even when I do pay off what I owe this time, I'll just go and buy something else on credit and start it all over again. To me, credit/paying is quite addictive, it's almost like a game/hobby to me. That…
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3 Years On
Evening all, I'm not sure how many of you will remember me? I was quite active on here about 3 years ago, had my own diary and everything, and then I "disappeared" not long after my big move to Yorkshire. Don't worry, I didn't really go anywhere, I just got caught up with other things. I've still been lurking here, just…
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Yet another diary
I finally decided to get back on top of my finances AGAIN! i keep falling off the wagon. Anyway the up shot of it all is after a nightmare of a Christmas (moving house, girlfriend leaving me and living a whole 3 weeks without central heating during January) I am finally able to face my debts once again. I got up this…