-
Diary of a gambler - time to quit.
Me, i'm 38, single and free, which leaves plenty spare time to wreak havoc on my cash funds which i have done through gambling over the years, fruit machines. I'm going to try keep this updated and say HONESTLY whether i have kept away from gambling, i hope to make it 3 months, then a year and them forever. I have a…
-
The Positivity Thread
Hello Money Savers! I only really use the debt sections of the forum, and the striking thing about many of the threads I have read is the constant negativity that is present throughout. Quite frankly, it gets me down! I am not going to sit here on my throne and judge - I use the debt sections of the forum as I am paying…
-
Newbie DFW
Hi, I'm new to this forum but a regular on another so have a new username as I have never told anyone about my mountain of debt and my husband uses the same forum as me! I have had a problem with internet gambling and have sought help to deal with it and yesterday took my head out of the sand and called all my creditors to…
-
THE FUTURE IS ONE BIG CHALLENGE AFTER ANOTHER for 3Dogs and friends ..... PART 2
Well I certainly didn’t expect to be having to start a new thread so early in the year – we aren’t even at the end of February yet – chatty lot aren’t we? For information, Part 1 of my Diary is here and Part 2 here. Those diaries dealt with how we got into the problem we were in, and how we came to get help from MSE/CCCS…
-
DFW October 7th 2010!! DFD ???
I always feel a bit odd posting on here as even though I am in a fair bit of debt, it's through my own stupidity in the first place, and I do earn enough to get it paid off (not all at once!) and I'm not struggling with repayments or anything like that. I had a job working in a sandwich shop *cough*Greggs*cough* back when…
-
New username .... new debt .... new diary ..... new start !
The above says it all really so I won't bore you with the gory details too much :D Have previously been an MSE member but I've changed my username for personal reasons (less said about it the better !) So I know the drill pretty well. However, since being on here previously, I've now got a 4K car loan debt and a 1K c/c…
-
New Cottage Economy
So here I am after to long of spending just a little bit more than we earn it has come to this , £11314.59 in debt . Its time to take control . I didn’t get the nick name Lenox Lewis by standing around and felling sorry for myself. No I got it for punching some guy in a night club who grabbed my !!!! but that’s not the…
-
enough is enough, head out of sand!!!!
hello all!! I have finally decided enough is enough and starting to tackle some of these debts. Here's a bit about me. I'm Lisa, 25 married to Paul, 27. We have been together since Oct 04, and got married march 10. We have a daughter Maggie who was born Oct 06 and a son Shaun who was born July 07. There is a 9month gap.…
-
3 years to go!
Time to take a reality check on my situation. I am in my mid 20s, living with my partner in our own house and have a 1 year old. Our money has been spent on gadgets, travel and work lunches and obviously being on Maternity leave added at least 1500 to debt. The only time we were in the green was back in 2007 when we moved…
-
Getting Sorted -Will need your help :)
Well i am starting a new diary as i need a fresh start to all of my money sortings out! I owe a fair amount and we only have 1 income coming in. I have all of my benefits etc coming in but with all of the credit card repayments etc things are tight. We have already cut a lot of our budgets down considerably and are left…
-
There are those that want it,there are those than wish it, and there are those.....
....who MAKE IT HAPPEN!! Unfortunately I represent the first two groups at the moment. I'm not a newbie as such, have been popping in and out of the money saving world for a few years now. But I have no staying power. Great intentions to start when there are easy ways to pay of debt (normally around pay day), but then when…
-
Living for the weekend!
...in a good way! My debt is pretty much from lots of uncessary incidental spending. My downfalls with regard to spending are online shopping and buying food and drink after work on the way home that I don't need. So I'm going to leave my cards at home Monday - Friday so that I can't spend on them. I'll have the joint…
-
My username is an anagram of MoneySavingExpert, I'm not a total weirdo, promise
Thought I'd jump on the diary band-wagon, in the hopes that forcing myself to 'check in' here will instil some sort of spending discipline in me (even if no one ends up reading it). Me and OH currently have a rather paltry £1,650 in savings, so first aim is to build this up to 3 month's worth of outgoings (a rather…
-
Diary of a Poor Person aged 46 1/2
So I am sitting here when everyone else is sleeping and I am worrying about the rediculous state of our finances. Before i start listing our debt... yes i know its bad, yes we only have ourselves to blame, yes, we spent the money - no one else did. Yes, we dont know the value of money...
-
2 jobs worn out debt free diary
Ive just found this forum and think it will help me stick to my savings and debt repayment plan. Debts: £6212 Egg cc 0% £3919 Santander 0% £2566 Virgin cc 15.9% First plus loan 20K student loans 12 K hubby 2 K me tax credit repayment (think Im going to end up owing £1600 for overpayment) So what am I doing? Ive budgeted…
-
Nearly Debt Free, Just a Final Push!
Ok so I have been reading these boards for a long while, and now I think?! I finally have my debt under control I am brave enough to post myself! Sorry its a long one Basically I left school at 16 and got a job, money was a novelty! Each payday I would go shopping and then it would be a long wait for the next one to come…
-
startagain, Starts Again....... Again
As they say, "Thanks for Looking" :) Let me introduce myself, I am startagain, a poster on these forums since 2008 when, what I considered to be horrendous debt (about 18k), led me to seek help on MSE, the CCCS and eventual bankruptcy. I am a middle aged, single (married and divorced twice) female who just refuses to grow…
-
Start of my Debt free life.
I have been lurking for a while and reading some diarys. I have now come out of hiding. I have some serious personal debt which I am going to work out exactly later. I got in to this state due to being a 'yes' person. I can't say no when my OH wants to buy somehing or my grown-up son wants to 'borrow' money. And 3 years…
-
Do you find the diaries help?
Hi, I'm just wondering how much you feel writing your diary helps - TBH I've never popped in here before as I just assumed that everyone wrote their own diary and .... I guess it just seems kind of too personal to look at anyone's diaries. However, I've been thinking that it may help - even to have a good rant to myself on…
-
Diary of Kitleo a Debt Free Wannabe.....
Hi to All :wave: I have been a member of this site for several years - first started when I got my lightbulb moment :idea: realising that I had ordered some furniture from a catalogue to go in the newly decorated bedroom and that come the first payment I would not have enough money to pay for that and all the other things…