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Three years to get debt free
Morning, I have had a diary on here before but had to close it down. I am a single mum with an 8 year old DD. I have found myself in debt since the age of 18 when I went to university and have been in it ever since. I decided to change this in 2017 and then found myself a single parent in 2018 and having to attain more…
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Busting this debt before 42
New year, new car and new loan, equals new diary. My previous dairy; Why am I doing this s**t agin? Right…because last year I had a midlife crisis and succumbed to the ‘shiny new car’ syndrome. Buggers. I very much enjoyed the challenge of debt busting last year so lets gooooooo round two! My finances so far: Sinking Fund:…
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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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Road To Financial Recovery
Ah, time to get back into the race so to speak, can’t believe I am doing this again.It is time to start taking finances seriously again. It is a rubbish feeling to be back in a position where I feel my finances are back in a mess. There isn’t any major debt so that is a positive of course but feel like a plan is needed…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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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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2026 - consolidation and calm
I've decided to start a fresh diary for 2026. 2025 was a bit of a rollercoaster year for us: * My post being put forward for redundancy at the end of 2024, though it was then reinstated thankfully * Restructure at work meaning many great colleagues (and loads of knowledge) going * DH's redundancy at work, then finding a…
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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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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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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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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
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2-4-1 on Babies - Time to Tackle Debt
Hi everyone 👋 Recent Dad to twins (can I still say that 15 months down the line?), and if there’s ever a motivator to sort your finances out, it’s that! Since becoming married, me and my wife prior to the babies have managed to accumulate some debt and it’s time to make a change! 😤 I’m working hard to change my…
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And so a new journey to being debt free begins
Hello, I have lurked on these pages so long, carrying the shame of debt, never quite being able to get on top of things, finding myself spending in times of being down, trying to impress, trying to exist and because really during most of my adult life not having a very good relationship with money. I now find myself…
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Cancer, cash and carrying on
I've been on this board for a while and it was invaluable while I was paying down debt and navigating finances while working and juggling 5 children. We followed the Dave Ramsey plan loosely to get us where we wanted and the last year or so we were trundling along comfortably. Unfortunately, a breast cancer diagnosis has…
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Keeping on the Straight and Narrow...
Well here goes, my first diary...After being an avid lurker both here and on the MFW boards over the years I have been amazed and inspired by the success of many individuals and the support of other forum members so hoping to do the same. So why am I here? In the 6 years since DH and I bought our home we have undergone…
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Turning Straw into Gold: Creating Long Term Security & A Solid Home
Hello, I am joining you on the debt free journey, for a couple
of loans that are giving me anxiety and also my mortgage. I have been reading
these diaries for inspiration and it’s time to start my own. I hope to get to
know many of you as time goes on. I moved into my home last April and I have some
loan repayments that…
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Hopefully debt free before Mortgage renewal in June 2026
Hi, So, My mortgage is due for renewal in June 2026. I bought a house for £190,000 with around a £48,000 deposit on a 5 year fixed rate of 1.63% interest which comes to an end on 30th June 2026. I currently owe £129,363 and pay £517.72 and i have 25 years and 6 months left to pay (i will be 68 when this ends). I know…
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Finally going to solve this debt once and for all
Hello - I had previously had a debt free diary about 4 years ago, I think I was in about 40k debt but then cleared it down by about 10/15k but never addressed the underlying issues and of course the debt just ramped up again. A big promotion and then another secondary promotion really gave me a false sense of being…
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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 Cutting Down Alcohol Challenge for September & 2026 :)
Welcome to the Cutting Down Alcohol challenge for the month of August and for 2026! 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…
