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It's me, hi, I'm the problem, it's me
I am my own biggest problem and obstacle in life. It's time to change for the better. I'm doing a lot of thinking about changes I need to make in my life to better prepare myself for my future.
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The Cutting Down Alcohol challenge for December & 2025 :)
Welcome to the Cutting Down Alcohol challenge for the month of June and for 2025! This challenge is all about helping people cut down or even give up on their alcohol consumption, mainly for health reasons, but it can also save a lot of money, because the cost of buying alcohol really mounts up over time and sometimes you…
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Teetering on the brink
Where to start! My life has not been without challenges and I have had times where I’ve had a lot of debt, and times where I have had none. I always felt proud to say I have never missed a payment and always managed to get out of a sticky situation myself no matter what. But this time, I am not convinced I will find a way,…
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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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YNAB robber needs help to execute the plan
Right, I am going to finally start a diary on here. I am being supported financially by my OH to allow me to help my sister care for my 90 year old father. I have an expensive event in Feb that I need to save for. I have been using YNAB since Feb so I have an accurate record of my spending for 6 months. It's not pretty. I…
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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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taking responsibilty to get me where I want to be
Good morning MSE'ers I have been reading diaries for the last few months and have found peoples stories so inspiring that I am hoping for some company on my own journey , this will be my own log which hopefully will motivate me at times of bleakness so I can look back on any progress I have made My sitituation is quite…
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Giving every £ a job
I've decided to be brave and continue my journey from lurking on these boards, through posting on these boards and I now feel ready to start my own diary. I don't actually have any debt anymore but I am very bad at saving so I've decided to set myself savings goals and treat them as debts to my future self. I was…
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An in-between phase
I am largely starting this thread so as to not rudely put a long whinge on the lovely @foxgloves and @EssexHebridean threads! I will talk a little more about my slightly unsettled life situation in due course, but for now, just whinging 😂 Today I have been trying to switch to a more money saving phone contract. It has been…
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
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The Journey to being debt free, hopefully
So I am bad at following through on things. And I have an impulsive nature. The impulsive nature is probably what has made me start this thread, and it is going to rely on me actually following through to keep it updated. I have just set a bi daily calendar reminder to update thhis post, we will see how it goes. I am…
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Living Large, on a Small Income, by the Sea.
I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…
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My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
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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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Next steps; grip-relaxing bimbling, and avoiding the temptations
Time, I think, to start a new diary. My first was about removing our debts, paying off our mortgage and working towards, and through, the first few years of not working. I don't call it retirement at that point, because a wealth of volunteer activities were taken on or continued, and a number of hobbies aspired to or taken…
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Dreaming of being Debt Free
Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…
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Moving on with things
I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…
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Moving on
Welcome to my new thread: my old one is here: Cherry takes the reins — MoneySavingExpert Forum and my very old one is here: Coffee and chocolate — MoneySavingExpert Forum Quite a lot changed in 2023, and now it's time to move on. I left the job and career path I'd followed for many years and don't feel I can or should go…
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10 years later yikes
Hello all Here again for round 2… my first diary https://forums.moneysavingexpert.com/discussion/4529627/can-i-do-it/p1 I’ve just looked back at this and as much as I really thought I knew what I was doing, it’s crazy to now see 10years later here I am. I was in my 20’s and ambitious and honestly looking back on it now how…
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Should itsthelittlethings spend less on coffee?
Hopefully this works as an all new diary for me. Will add my debt into my signature and keep track of how I do going along.
