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A fresh start
Hello DFW friends :hello: Here is the long-promised new diary. I’ve had a diary on MSE since January 2007: My old diary In the first year, I worked hard, focussed obsessively, and reduced my debt by 13 grand. After that, my focus slipped, tax bills caught up with me, and my debt seesawed up and down, so 18 months on it’s…
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Hello DFW my old friend...
Hello! After a few years in 'the wilderness' (ie having forgotten my MSE password and no longer having the email address I set it up with, so not being able to reset it), I finally got around to setting up a new account with, as you can see, a wildly different username. :cool: I had a diary on here about 6 years ago I…
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PinkPepperPots journey from debts to savings
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Going for a new life at 50
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I wanna be free...
Good Afternoon, I thought it was about time I wrote my stupidity for the forum to see. I will start from the beginning and I mean the beginning. Well, currently I am a hard working mum of two with two jobs. We live in a cheap built starter home that we bought 8 years ago for £130k through a shared equity scheme. We own…
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Oh yeah... oh yeah... oh yeah
Well I have spent a few weeks reading posts on here so thought it was time to get a grip and draw a line in the Sand. Been a member for a few years now but forgot the password/log in. Well you can see my debts all layed out below on my Signature. Route Cause being Gambling a few years back. I never got back on to an even…
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152 days 'till mummy!
As per the title, I am 152 days (or there abouts!) from being a mummy for the first time. I'm 23, married, mortgaged to the hilt and so close to finishing a trust deed that I can almost smell it!We're not in huge debt, thankfully, but I'd like to cut our spending a little before tiny human arrives and takes over our lives.…
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Staying on track when the end is in sight.
Hi everyone Wow it's been a few years since I've been on this site. I had a diary on here before and it really helped me stay on track, at the time my ex OH had just left me for another girl and I was bringing up our 2 young boys on my own. Not a lot has changed since then, I'm still on my own by I'm HAPPY :D my boys are…
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Debt Free by 2013 (not a typo)
Ok, so here goes, looonnnggg-time lurker, first-time poster, full-time spender! I guess the best place to start is with a history of how I got here... I graduated in 2006 with the obligatory pile of student debt. Managed to get a great job out of Uni, but based in London and by the end of 2008 my debts had spiralled to…
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its hidden under the mattress....
My secret millions that is!! Now for reality :( I am 29 married with 3 children we have just shy of £30, 000 worth of debt and we need to save £2,000 to move at some point in the next 12 months :eek: My husband earns a reasonable wage and I am on extended Mat leave as childcare for 3 children will cost more than I earn. I…
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Apple's I cant believe Ive done it again diary
Doing a diary as I need to my sort my finances out AGAIN Well I left here debt free, travelled the world a bit and came back seemed to think my credit card was free money and here we are again. SOA Overdraft - -£450 - HAL CC - £1047 - Very - £700 - VIRGIN - £3389 - Barclaycard -£3373 Car loan £5000 - arent I silly girl.…
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I want to be debt free and start saving money.
I am so glad that I have found this website, especially this forum. I sat down today and wrote down all my debt. It was shocking. Not only do I want to be debt free but also learn to handle money. Something I have never learned before. I come from a well-off family where money was never an issue, but with 17 I moved out…
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Daft with money
Happy New Year !! :j This is my 3rd diary on here.........:( Whilst, i have really been supported in the past by all of you, i still get myself in an awful mess with money. My aim 2 years ago was to be debt free by March 2013, how i wish that was true !!! I obviously never reached that target :mad: My debt now consists of…
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Cattle Class to Club World - Debt Free by 30!
So maybe I should start with a bit about me.....My name is Lisa I am 27, I got married last October and live just outside of Glasgow with my husband and two cats, biscuit and polo! I have always had credit cards since I was 18 and until I was 21 paid them off in full, I then max them out and defaulted when I moved to…
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2014 the year of want but until then?
Well here goes we are a family of 5 both OH and I work and DD1 is at uni DS was diagnosed with very mild aspergers which we are trying to get removed from his medical notes as we dont think he has it there are other reasons but at the moment i dont want to say DD2 is at college and wants to go to uni to be a nurse We pay…
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Not the best predictor
They say that past behaviour is the best predictor of future behaviour. Well, no more. My past behaviour has left me with a cluttered, messy house - not so bad since i moved but still have too much a garden that needs a huge amount of work - no garden now the ironing pile from hell - still here a room full of craft…
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Heading for a new life.......
Back to taking control after a lovely holiday - decided that now is the idea time to change so here we go. Starting this morning by going through all my outgoings and incomings and setting up things differently as it is not working currently. Will be back later today with an update but at the moment coffee at the ready and…
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30k debt, is dmp best
I have contacted pay plan because I tried to get a unsecured loan and couldn't get one. I would ideally like one payment to get rid of the debt in 36 months. At the moment I can afford the minimum payments but the interest is crippling & I will never pay it off. Pay plan should be coming back to me today with their…
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coming to the end....................
Having been on a debt management plan since 2009, paying almost £1000 per month on top of a mortgage of the same amount, our debt has reduced to around £20,000. A recent onslaught of huge outgoings resulting from ageing dog and 2 old cars have left us completely out of means to get to the each of the month. Both myself and…
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How I'll clear the final bit
Hi to anyone reading. Deleted