-
Postgrad Student aiming to halve debt in 2009
Today has been my lightbulb moment :idea::idea:. I decided to work out how much I owe. It's not that much compared with a lot of people, but it's a lot to me, and I want to catch it early before it spirals... I'm studying for a masters- it was meant to take me one year, but I was struck down with a really bad case of…
-
Folding bike
My first post :mad: i would love a folding bike , is there anything i should know before i get one !!!
-
Eckythump potters on.
Hi Guys, I thought I would start myself a little diary as I have been a long time lurker on these boards and now find myself in need of some of the moral support you guys are so good at giving. Background. household consists of me,hubbie and our 3 year old son Hubbie is disabled due to spinal problems and is increasingly…
-
Keeping myself on track and focused....
Hi, I hope you don't mind me joining in, bit of a newbie here and have decided I might have a go at a diary of my own to keep me on track and a bit more focused than I have been of late. A little history of me, name is Karen and live with OH of 3 and a bit years renting flat. I am on a dmp with Payplan and have been for…
-
Swapping To Release Money For Debts
Ok - so my debts are about £6500, and when in full time work I pay off about £200 a month. However I was made redundant in November and have gained a lot of weight and health problems. To try and combat my health problems and weight - we decided I should try working part time until I get better. I have just started a 16…
-
Zig's new start (again!) on a budget!
Hi, I'm 20 and currently about to finish my first year at university. I have always been bad with money and now I am an official student with ingoings and outgoings I want to be better. Ever since I turned 18 I have had credit cards. I owed about £2500 but paid them all off. I now have one credit card which my Mum owes…
-
I have a cunning plan ...
...to get rid of my debt - it's called the kick up the bum plan - everytime I slip, someone has to kick me - any takers? 'cause I'm having way too many false starts lately (as can be seen by past diaries and lack of entries lately). The last 12 months have been 'orrible' - forget the money situation; there have been…
-
Immoral Angel's Grand 6 Month Plan Diary
aaaaaaand so IA steps back into diary world... Here I am again! Starting another new diary. The past 6 months have been very rough (and still are) for various reasons.... and because of this I have come up with a new 6 month plan to get me out of the rut I'm in and to be happy again. As of thurs 19th March I have finished…
-
Keeping the bookadict on track diary...
Dear all, This is my second attempt at writing a debt free diary - my first one fell by the way side due to not being able to update it at work. :mad: even though we can use facebook...madness!!! Since my last diary I've changed dm providers and am now with payplan - so far soo good and only 6 years left!:eek: As you cam…
-
Spring is coming ... this time it's different
OK, here goes for another Mad March response to an ever increasing debt….only this March instead of extending credit, consolidating, or re-mortgaging we’ve contacted 1 of the dozens of free debt advisory groups. A snail trail of bad (naïve at best) financial decisions, extended credit card borrowing, etc has led us to a…
-
Please Help...
Hi people, In a bit of a sticky situation - I used to work for a party plan organisation, and whilst I worked for them, I changed my address. 5 months later I left the company. Being an idiot, I completely forgot to send my kit back. It then Turns out the company hadn't changed my address and were sending me reminders to…
-
The Golden Goose's Quest For The Golden Egg - AKA A Debt Free Life!
Hello All, I have been reading a few diaries and they are very much an inspiration and the kick up the butt that I need to keep me motivated, so I am going to follow the bear and copy you all. Hey - copying is a form of flattery right?? Okay, so the situation is (in no particular order!):* Married to a lovely guy who…
-
My likkle diary *woohoo*
Hi to anybody who stubbles across this!! The basics... I'm nearly 21, single mother to my gorgeous 2yo (where did the time go??) little boy. I am currently stuck living at my parents house which is probably the worst place for us but money (and council) issues mean this is neccessary. I REALLY don't get on with my mother,…
-
Trials and tribulations of a Debt Free Wannabee!
Hi all - I thought I would start my own diary as my life is about to change yet again. I lose my job end of March and despite beginning my search mid January, I still have nothing lined up to go to. Started temp job Tues 26/5 - 17/6 still looking for higher paid and/or perm work I will post more exact figures later but…
-
MW's plan
Hi! I'm 24 years old, 25 in May, and my current level of debt is £4,345.08 (£3,645.08 personal loan and £700.00 overdraft). The debt I am going to tackle first is my overdraft, as it is a higher APR than the loan and is therefore costing me the most to service (loan APR=11.5%, overdaft EAR= 19.5%). Here's my SOA: Monthly…
-
The Big Save 09!!
Hi all, Been a member of Martin's newsletter for months now when I had my LBM! Which was Jan 08. Very scary and lots of tears shed. Basically me and DH got into an enormous amount of debt (over £40'000 :eek: I know!!!), we had spent it on our new house, and our glorious wedding, and 5 star honeymoon...well we are now…
-
Debt Free Wannabe
Hello, I have decided to write a diary to help me put things out in the open, and hopefully get some encouraging words and helpful tips. Debt has gradually built up under the “I’m already in debt another £50 won’t hurt” but it did. The bad news Expenditure per month £599 – Mortgage/household bills split with wife. £44 –…
-
Single and in Debt Part II
Hi everyone The original Single and in Debt thread started by Sarahb123 has got very long and as this takes resources from our servers we need to start a new discussion. Please could you continue the discussion on this thread. Many thanks! Andrea :) [threadbanner]box[/threadbanner]
-
Recession busting diary
I'm starting this diary for motivation. I'm worried about the economic crisis and how it will affect us. DH works as a project manager in the defence industry, his job is not at risk at this time. We have 2 children. I started a part time job in Jan, so I now have 2 part time jobs earning a total of £650 per month. All…
-
I'm back (VERY SCARED) debt free diary
I was here last year when I discovered that a company who I have worked for affiliate marketing overpaid me for a year by approximately £19000 and they contacted me to ask for it back. I made a deal with them to pay them back monthly, but with personal issues (dad being very ill, then passing away last thursday), and…