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£77,366.35 reasons to be debt free!
Deep breath.........the title says it all! That is the amount of unsecured debt we have. After years of switching cards so that's it's "ok" debt, time to face the hard cold facts and jump aboard the debt train! Bit about me, me and OH are both in good jobs, good salaries and two fab children! Spiral of debt started when I…
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Positive thinking from now on!
Deleted!!!
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Ddraig's diary .Prob full of brain splurges ,jokes and tears,lol.
Well,start as i mean to go on.And at least il know where to find this,lol. Well im starting with full cupboards and freezer. So shouldnt be a struggle to stretch them out while i get more organised for grocery challenge. Started shopping online last week.First shop was £104.This week got it down to 87 so hey who knows,i…
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September 10pound a day Challenge! **All Welcome!!**
Hello to all newbies & regulars and welcome to another Make £10 a day challenge :hello: This challenge first started in September 2007 so September will be the 24th Month this challenge has been going so thanks Batgirl for starting it and JesaRose, MizMir and Purpleroses who also keep the thread going. :T It's an extra…
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New name, New beginning
i have been a poster on the site for a couple of years but decided on a name change as my old name is one that i use on a few other sites and i didn't want anyone googling my name and being sent here i am starting this diary just to give me the focus and motivation to stay on track, i have made half hearted attempts at…
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What a mess!!
Well here goes! I have been reading the diaries on here for weeks now and now managed to take the plunge to write mine. Where do i start? At the end of last year myself and my husband were struggling to make ends meet. We panicked and contacted a dmp company (Hanover Sterling) first wrong move :mad: charged us £250 to set…
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One day/debt at a time
I promised myself that I would only start this diary if I got my all clear at the hospital tomorrow. I have already bored several people with my story so I will give everyone the short version... I lost my beautiful daughter Jo 26 November 2003, we had 18 years, 8 months and two weeks of love, laughter and joy. The pride I…
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Here Goes - Kindofagilr's Debt Free Diary
Ok this isnt a valid post anymore lol, new SOA is on post 29
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The Diary of Q and his quest to be debt free.
Hi folks, I hope I’ve put this in the right place. I want to start a diary to chronicle my recovery from debt and also as an aid to help me keep focused on the job at hand. So here goes, with a bit background. I’m married with kids and been struggling with things for a while, due to redundancy, and the inability to find…
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Worried Sick
Blimey - what on earth am I doing here....?! They say the first part of dealing with a problem is to acknowledge that you actually HAVE a problem - right?! Well, in that case, this is that moment for me..... ... my debts are huge, my income miniscule, and I'm about to hit that point where cash machine says "no"..... but I…
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Shiny new thread, Shiny new me!!
Well I do already have a diary going but felt it's more the 'old me'!! I have a new job and am feeling pretty good about things so I thought I should start a new diary - one that I hope to update more than the old one!! My 'priority' debts currently stand at £3,034. This is split between 2 different DCA's and one of them…
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10 months and counting
By my calculations and many spreadsheets, I think that we may be debt free in 10 months! If nobody minds, I'm going to use this diary as a place to keep myself motivated and to count down! As you can see from my signature, I still have quite a lot of debt, but I think with a bit of sacrifice and hard work, we can do it by…
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£7000 to zero
Ok where do i start? Tried one of these before but lasted about two minutes. Just an ordinary person wanting to become debt free as paying for credit cards is like throwing money down the sink. The idea is to pay £100 on average off every month for the first 12 months. Some months will be less some more. Seems within my…
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S-i-d's 'I want to be (debt) free' diary!
Well, I have been threatening, sorry, promising to do this for some time now. So here goes.......... Hi, my name's S-i-d and I am in debt!!! I am married ( sometimes happily!!), have three great children - daughter(18), son (17) and another son (10). Mustn't forget our lovely dog Elsa. We first got into debt 9 years ago…
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A DFW's journey to becoming debt free.
Ok guys, i'm sorry its a long one but i think i'll feel better when i have shared this with someone. I have finally woken up and smelt the coffee. My debts are no longer manageable and its got the point where no amount of talking myself round will kid me into thinking that i am managing anymore. I am a disaster when in…
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The ultimate incentive proposed! Buying a house, a wedding, and staying debt free.
Welcome to my third diary. The first two installments are: Diary 1: The ultimate incentive to get debt free Diary 2: The ultimate incentive worked! Now onto phase two My full story is at the start of diary two, so check it out for all the background. I started that one about 4 months ago when I finished clearing £16,543 of…
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Flamingo's no more debt diary
I've been lurking on the MSE forums for a couple of years but only recently started to get involved. And its brilliant. I should have done so much sooner... I've recently come to terms with the fact, I am bad with money. After years of blaming banks, parents, partners and university, I've decided to accept, in fact its…
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Ruby's "Stop Spending, Start Saving" Diary
So I guess I had better start one of these things to stop myself from spending quite so much. A little bit of background: I'm 22, live at home and work full time in a stroke rehab unit. I'm going back to uni in October to do a Masters and have to save £4000 for this (i'm not entitled to any grants or anything for this,…
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Where do I start?!
Hi Everyone I’ve been lurking around here for a little while now and can see that there is some great advice and guidance that hopefully I’ll be able to benefit from! I had a sort of light bulb moment about 3 weeks ago, since then I’ve managed to stick to spending £20 a week, I’ve been moving money from my current account…
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Slap me with a wet fish
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