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Making 2026 a debt busting year
Hi all So, DH and I have been in debt for years, mostly credit cards, and decided to make a real effort last year to start to clear them. The aim is to have them all paid off by the end of 2027. We have no mortgage but do have a loan for some for some work on the house which will be cleared in April 2028. We started 2025…
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Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
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Juggling mum/work life, whilst looking after my future self, both financially & healthily
Hiiiii, So I thought it was time I started a new diary as my old one got a bit complicated. A little about me. I’m a mum in my 40’s, my husband works away a lot, I work full time, and I have 2 children a tween and a teen. Along with 2 noisy cats. The last few months have been hard financially, and my work is teetering on…
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£2,576.79 to clear by March
£956.15 on one credit card, interest free period ends 16th March £1620.64 on the other, interest free until the 1st March It's entirely possible that I can't quite manage and end up doing a balance transfer, but this diary is to give me the accountability to try my best. We've had a tricky year financially after my husband…
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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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I'm back, still struggling along, still frugal
H everyone, It's been ages I know and the forum has changed, but my posts were getting really boring as nothing really changed very much and to be honest I was getting bored writing the same old things. Anyway I thought I'd start another thread as its coming up to winter and like most basic OAP's I'm expecting this winter…
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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
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The Frugal Hearth: Stories of Simple Living and Living Well
Hello, and welcome, one and all to my new debt free diary! My Journey I started my old diary at the beginning of 2020, a couple of months before the pandemic hit the UK and we went into lockdown. That diary can be found here…
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Buffy and the Mortgage adventure
Good morning, I don't know if anyone will remember me here as I have been away for a while. I am about to get a mortgage finally and money is going to be very tight. Squeaky tight! I am buying my sisters out of Mum's house, I lost Mum in 2024, it was a very bad time, the worst time. Aside from the grief, the money side has…
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2026: The Final Year
Hello debt free wannabeeees! It's been a while since I have been on this board. We paid off our debts a few years ago. I then started a Mortgage-free diary of which I have since paused, as we then decided life was a bit too short and wanted to do some other things first. Well, we now both want to get going towards…
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Fresh Diary for 2025! & Carrying on for 2026
Hello those who follow along! Last year goals; - Get debt gone (didn't complete) - Buy my house - COMPLETE - Meal plan/prep - Sort of - Cut out Coffee (I gave this up on 22nd November 2023) - Didn't complete - Have savings of at least 2k! - didn't complete Am I annoyed I didn't complete some goals? no. I can try again!…
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There is always tomorrow
We live on a smallholding in rural Wales. We don't keep any other animals than horses that are oldies now and it is only me and DH at home. Compared with a few years ago there is a lot less to be paying for although the costs of previous years have caught up with us and we are paying loans and credit cards. The purpose of…
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A Ditherer's Diary (again)
I'm baaaack. When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7. Having had a quick read through, a lot of it was me coming and going with a few months/years in between. I…
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KMNs diary - curbing spending and maximising saving with a new baby
So maybe a bit random to have a diary when I'm not in debt, but I am about to start my maternity leave (at the end of the month) as we prepared to welcome our first child in early March. We are incredibly lucky to be quite comfortable, own our home (mortgaged) and both able to put some money in savings at the end of each…
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Looking To The Future With Hope
After reading @Onebrokelady thread I feel so inspired and in awe of how someone can be so positive when they’ve faced such adversity that I’ve decided to start a diary. Now, I can’t promise that I’ll keep this up, as I do have a tendency to start things full of enthusiasm and then I stumble and give up, but we shall see.…
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Attention Deficit Debt Free Wannabe
I've decided to start a diary after reading through other peoples and being inspired and receiving some great advice 😀 I won't rehash what's already been posted. My original SOA and questions: Today is mothers day, so plan today is visit mother with DS and drop off cards and present, a box of Ferrero Rocher, paid for out…
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Moved
Moved to retirement planning.. .
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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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Weight loss and healthy eating for a debt free life
I've been thinking about this for a while and I've seen a few other people mention weight loss so I wondered if we should have a thread. There's a giving up alcohol one but obviously we can't give up food. I also realise that not everyone with a food buying problem is overweight. I overbuy and some of the overbuying was…
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Tryingtobesensible2026
Have lurked and read a few of folks diaries and inspired to start my own. I have my mortgage as my main debt currently owe £89509.05 on a five year fixed rate coming to an end April 2027. Very aware and watching interest rates at the moment regarding this. I have to thank one diary member for an idea from one diary I read…
