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My Blog to a Healthier - Wealthier Life
I need to face my demons and change my life. I owe £3,200. I think I can pay off about £200 per month and then I will be debt Free August 2010 (YAY). Stopping drinking, smoking and eating rubbish will get me most of the way to my target of paying off £200 per month. Therefore, I have set myself the following goals:-…
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My debt diary
The end. Finito. Finale. Ditto. Written by a stupid idiot who had nothing in the first place so could lose nothing in the end. The diary of a 41 year old and a bit's journey into a far darker place. So, what's new, then? A total, utter waste of 41 years, better someone else had them, made better use. Why am I coming down…
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Blackruby's Better Day Challenge Diary
I thought it would be best to start a diary seeing as things are kicking off in random directions and my poor friends on here are finding it hard to keep up. First things first, the debt. Student overdraft - £2700 (interest free until July) Halifax credit card - £1275.16 (limit is £1250) Capital one credit card - £546.93…
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The start of my Journey to becoming Debt Free!
Hi all, I have been viewing these boards now for one or two weeks, and I have finally decided to stop sticking my head in the sand, and actively get my money in order. I don’t really like to say “debts” too much, as I know that compared to a lot of others on here – my problems are minimal and certainly not unmanageable! I…
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SPskint44's stress-release diary
My Debt Management Plan is about to start. I feel positive and scared at the same time. The stress is neverending and I hate myself for getting into this mess. It keeps me awake. I have constant headaches. I'm a spendaholic and I have nothing to show for it! This is my release. Barclayloan £9053 Barclay O/D £550 Halifax…
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Moneymakers millionaire dream
I have a debt diary on the main thread, but hadn't noticed that they set one up especially for us to post them. :) Will post a proper all brand new SOA in a moment. Have just paid some stuff off so need to work it all out :) Hi All.....:j
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Our Numpty Diary
Mainly just a rambling for us to stay motivated! We owe roughly 6k so our plan is to keep on track with paying it off slowly but surely using our own little diary on here for motivation. We take part in a few challenges but we don't seem to be getting anywhere fast so it's going to be a new month and a new start. We would…
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Debt-Free wannabe for sure! YorkshireBorns Journey 2009
Hey, been reading the forums since the new year and thought it about time to face upto my debt and get it sorted out, all this dosn't help with going out 4/5 nights a week with friends. Will try and list my basic outgoings and wage on a avg month. Just thought I would also give you some background about myself, I'm 22…
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Its spanish for "I hate debt"...
... the name that is. I guess I was trying to be witty and the reason I choose spanish is because once I clear this debt thats where I hope to start a new life. Just a dream at the moment but we are all allowed to do that, right? At the age of 24 I am ashamed of my debt as I have next to nothing to show for it. No lavish…
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Young and free.... wait no!
:confused: :eek: Well lets see the basics first..... 20 years old, nearing 21 *wooo* bet you would think most people my age owe maybe a little bit on credit cards, maybe a student loan.... basicly most money goes on cars, beer and well pretty much having a good time. Not for me, £15k of debt, and that isn't including a £6k…
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some firm can destroy you by putting your address into play wrongly
having checked my credit report i find that my address has been linked by a firm to someone else and i have no redress against the credit reference agency can this be fair:mad:
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Life Begins at 40
I have been a lurker here for a while and posted a few times. I have decided to start my own diary to keep me motivated and on track in my quest to become debt free. A little about me, I turned 40 last September hence my user name. I moved in with my DP just before Christmas, big life change. I have a DS aged 14, I work…
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Will my debt free journey help
Well the day I had kind of feared eventually turned up on Wednesday and in a way its been good. The bank called, as we had finally exceeded our overdraft limit. It wasn't so much a lightbulb moment as a full strip of flourescent lighting. It forced a lot of thinking and some talking between me and my wife. We both knew it…
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MISSION: To be debt free by the age of 30
This is my mission and I choose to accept it! Background: My husband and I have been together 7 years and in that time we have managed to get into unsecure debt of just over £50,000. This is through 2 loans, 2 overdrafts, a fix sum loan for a car and 6 credit cards. Stupid! We earn about £32,000 after tax and was able to…
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magicgirls debt free new life
well, after a very long few years, i have pretty much made it but the problem is STAYING debt free. quite a few of my payments are still getting a bit 'late' which is a shame but as i am on maternity leave with no income now, i can't really do much til i am back at work. what i can do, i am doing. i use cashback sites and…
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prophecy_grrl's *insert witty title here* debt diary
I've decided to delete my diary - too much detail in my posts has almost got me 'found out' by friends! I will still post on other threads, and hope you guys understand. prophecy x
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Another diary.........
Hi. I've had a couple of false starts before, but this time I am going to kill this debt for good. I am currently around £47K in debt :eek: :eek: :eek: How did I get here? Not really sure. Reckless spending on a large part to deal with depression (anyone heard of a more stupid way to deal with depression?) over a period of…
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Are all debts written off after 6 yrs?
Hi, The rules about old debts as I understand them are that after 6 years they are wipped from your credit file.does that mean that youcannot be chased for them? Also are there types of debt that stay on your file for longer? The reason I ask is because eight years ago ( which is when thew defualt was recorded) I became…
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surviving recession!
:eek: Hi all, I've been inspired to join the growing band of diary writers, so here goes. A bit about me first. I am 52, nearly 53. Live with my partner. I am recovering from M.E and only able to work 12 hours a week. Love all things homemaking, arts and crafts and money saving. Bought Martyns books last year and was doing…
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Quick Success Story...
Pay day today - and quite a big one - for the first time in...ooh, maybe 7 or 8 years (since before uni) the balance in my bank account is actually larger than my debts -and still will be by the end of the month - so am officially declaring myself as debt-free :) Since leaving uni (3 years) I've paid off 9k of postgrad…
