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Debt free diaries

Archives for August 2008

My diary... becoming debt free whilst still having a life!!!
Hi everyone, I thought I would join the diary club... and start one of my very own. It is the 1st September and that means we are a few days off 3 months since our LBM. At that point in time we were living in a very big overdraft every month and it was going to be the first month we would have gone over our limit if we…
Buddiebabe's new beginnings....
Hi I've decided to start a new diary.... tomorrow is a new month and am looking forward to putting August behind me!!! Alot of things have happened over the last few years.... and i want to put it all behind me and start again. My outstanding debts are as follows: OVERDRAFTS: ROYAL BANK OF SCOTLAND £650.00 LOANS: MUM…
Keeping Positive's - Into the new years diary
This is taking over from my old diary here http://forums.moneysavingexpert.com/showthread.html?t=761259. I started that off at the end of Feb and was doing fairly well up until July/August when it all went a bit pear shaped. As a result I now have an overdraft of circa £1000 after the monthly dds have gone out:eek: to add…
Taxis...life begins now diary
Hi everyone:hello::hello::hello: Thought my old diary was getting a bit tired and a bit negative.So have decided on a new start:D:D. We have had plenty of ups and downs the last few months and I now want to be on the up again. My plans are to: (1)...give up smoking and put the £10 a day into my savings tin....I have got…
New me, new diary, new positive thinking!
I was getting rather fed up with the last one as I felt so negative but not now, so feel free to pull up a seat and relax. Those who took the trouble to read my last diary, thank you, know that we are £10,270.21p (can’t forget the 21 pence) in debt with a family loan to DH’s family. I now know where the money is going and…
GeorgeUK's "don't fall off" Diary
Right - going to hopefully keep this going until i get all my debt cleared. There should be an entry a month just to keep the payments tcking over so that i can stay on track but also will post up anything that changes in my day to day life that is connected to debt or the reasons behind it. I have done a pretty big post…
Kirstle99's Debt Free Diary
Hi guys, I made a post a long time ago on this forum and was so thankful for the help I recieved about changing DMP provider. Me & My Partner are with Payplan now, and are really looking positive towards becoming debt-free. We know it will be a struggle, but we are in it together 100%. Firstly let me introduce myself. I am…
Can someone kick me into gear please?!
Hi all - I have had a terrible month DF wise - I have spent more money than I have done in the past 12 months and even spent on a credit card (but have paid it off again straight away!) so I need a good hoof in the right direction again please. It has been an expensive month with birthdays, a wedding (not mine btw!), kids…
lynnellens blind journey
hi everyone. I wish i had known about this site 365 sleepless nights ago,im sure with all the advise it offers it could of spared us the journey my OH and i are setting off on [A SCAREY ONE] its quite a long story so in a nutshell we had our own business building/consruction toottling quiet nicely lots of employees then…
My Long and Winding Debt Journey
I have been posting recently on the DMP Mutual Support Thread but now wanted to start my own thread to keep track of my debt free journey. Myself and my OH have a combined Debt of £39999.00:eek: . We are currently starting a DMP with CCCS and first payment going to them 1st September. Intotal we have 10 creditors. At the…
Horace's Bootstraps Diary
Well as you can guess from the title I am now on my uppers - yes I was debt free a short while ago but now I am not:rolleyes: I have had to hit the plastic to cover some start up business expenses e.g. a domain name, some stationery (from the evil Vistaprint) and other little bits. My projected cashflow and profits look…
Strumpet's Diary - Welcome to Planet Strumpet!!!
Well this is it, my friends......it's about time I got my own diary and stopped hijacking everyone else's, so I have taken the plunge and here it is: About Strumpet.... My real name (when not being Strumpet) is Simon and I am 36 years old. I was born in the Lake District but now live in a little terraced house in Nelson,…
Kymbogs' long slow (and possibly painful) debt-free journey!
Hi guys I did a mega-intro including SOA in this thread here but now want to start my continuing diary separate from that. Here's to the beginning of the journey! My travels have got off to a good start this morning. I heard about a free sim with Blyk which gives you texts and minutes without having to top up and someone…
My journey to living within my means
Dear diary Well here we go again and this time I am determinded that all the work will not be in vain. I have spreadsheets and list galore and I am going to stick to them. I have gone thru this process so many times and gone straight back to my old ways, no more. I am determined to get sorted out. On paper we should have…
Yukkibear's journey to money making land
I've read loads of diaries over the last few weeks, and you have all inspired me to start my own. I have a few goals I would love to achieve and this site has been a great start in helping me along the way. I live "down south" with my partner and our two girls. We're fortunate enough not to have a lot of debt, just the…
ex and would be ex-gamblers support thread
There seem to be a good few posts recently from people who are in debt due to gambling and I wondered if anyone else thinks a support thread or a sub-board like the bankruptcy sub-board or giving up alcohol thread would be a good idea?
£70 a day's what the panda will pay!
Hi all! I think it's about time that I drew a line under my old diary as so much has changed in the past year, and things have been sliding a little too much lately. For those that don't know me, here's the brief summary...first thing to note is that I'm entirely unable to ever do 'brief'! I became an official DFW a year…
pania's finding the courage for once in my life diary
Hellooooo everyone me again!!! Frstly apologies for vanishing for a while a way back, i had one of those "I need some time out" moments if you get my drift. So here i am back, feeling a little wibbly about things and trying to get finances back on track. For those who've not read this before i am a mortgage advisor working…
The 'I want it NOW!!' debt/savings thread
This is a thread for all you impatient people out there-whether it's a debt you want to pay off quickly or something you want to save up for but can't possibly wait another minute for! Theres not a specific challenge, just pop in and have a chat about what you are doing to make that extra cash, put your target in your sig…
IA's back on the tracks diary.
Well... I knew I wouldn't be able to stay away from long. The support and love on this board was always going to draw me back. Also I didn't realise just how much DFW and MSE keep me on track and on the straight and narrow. And unfortunately I let the comments of a few individuals push me away from that. I also know that a…

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MSE News

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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
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