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One debt Vs 100 days
Hi all, I have been looking for a new challenge for a few months now but nothing applys to me or grabbed me like they have before. So a few days ago I wondered how much I could achive within 100 days. It seems such a short amount of time within the space of a year and its just long enough to achive something worthwhile. So…
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The grand plan for Catzpaws ... can it be done?
Hello all :hello: I'm a massive long time lurker of MSE. I''ve posted a couple of threads recently, but have decided that now is the time to get serious and sort my life out... I am hoping a diary will help me keep on the straight and narrow.. :rolleyes: To give you a little bit of background about my circumstances, I'm…
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Time to take back control!!
Hi! I found this forum by accident last year and I've been a long term lurker and been hooked ever since! I've never ever posted anything anywhere before but reading the encouragement and support you give each other has been a real eye opener. I had my LBM a few days ago after months and months of telling myself if I don't…
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Debt free by the time I am 30??!!??
Well hello fellow debt free wannabees. I am a Long time lurker first time poster and this diary is as much for me as anyone else who wishes to read it! As my user name suggests I am a part time working mum with two small boys, a hubby, one cat and one rabbit all along for the ride! I have been trying to clear my debts And…
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Xaviera's Head out of the sand diary
*sigh* I want this diary to serve as a massive k*ck up my ar5e! :D I got myself in debt 6 years ago now, before I met my ex I was brilliant with money and had 5k in the bank in savings! :eek::o It started with a little something on a credit card, (go on why not? he said) then another, then another, then my ex lost his job…
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I've made it through the first month
Morning All, Well it has been a month since i had my LBM and really faced up to how much debt we were in. This time last month i was so annoyed and felt embarrassed and stupid about all the money we have wasted and how we should be able to have a nice worry free live now (on our £78k joint salaries)but can't because of the…
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One step at a time...my debt diary and journey to being debt free !!
Hello everyone I have been lurking on here for the last week or so and have been inspired by your amazing stories to finally face up to our (Mine and DP) debt once and for all. If I am honest, it has been bad for a long time, even when DP and I first got together over 10 years ago, he had a huge amount of financial baggage…
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Over worked, debt on the increase,HELP!
Around 18 months ago, I rang my bank to ask them to cancel my D.D's as there was insufficient funds to cover them. To my horror, only 1 was cancelled and the seeds of my debt were sown. Realising that I needed help, I rang C.C.C.S to enlist their help. My debt at the onset was £14,039. Today it is £16,189. Within this time…
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cookiecrunch - it's crunch time
Right so i've been lurking for a while now but i think I need the extra motivation of a diary to help me. The story is that i've never been particularly good with money; not spending it i mean. I'm financially savvy, i know the best credit card deals, i know the best loan rates and i know how interest works and people come…
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The straight and narrow is, well, hmmm, very narrow indeed
Hello all of you lovely people :p I have been a very long time lurker on MSE and have finally got round to registering... I'd like to say that I am in awe at what you are all doing - there are so many helpful tips from these forums so thank you all for sharing! Although I have no debts, I hope you won't mind me rambling on…
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A glimmer of light somewhere at the end of a very long tunnel
Well, after my long time coming LBM on 22nd July, I have today received my welcome pack from the CCCS! I am actually feeling a right mixed bag of emotions......nervous, relieved, positive (yes strange I know), terrified. My or I should say 'our' DMP is due to start on 1st September with £32333.00 to tackle (5 creditors). I…
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Time for positive action
Hi I have finally taken the plunge and after years (literally) of lurking decided I need a little help. My debt is as follows: Loan £3,489 (4 payments to go @ £872 pm) Parents £3,000 (to be repaid when we can afford it) DFS sofa £1,942 (6 monthly payments starting March 2010) Overdraft £ 440 (as today but will increase…
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Here I go
HI ive spend months hidden and looking on the boards i had my lbm in may I spent most of the day crying in front of the computer i never looked at the letters or the running costs of my debt i just hid it. :eek: and i hid it well it only came to a head when i could no longer get a loan or a new card:mad: I was once debt…
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this princess will definatly be a poorper soon if i dont sort things out!!!
well i have definatly been inspired by the debt diarys so i thought it was time i faced the truth and started to deal with my debt and write a diary because maybe some of you might be able to help me this is crazy cause im sat here crying while i write this ! stupid i know !! so i think the first thing im gonna do today is…
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Upsy Daisy 'fesses up - SOA now included
Right According to my spreadsheet DH and I owe £30069. I am the breadwinner - my takehome is £2280 monthly Dh took early retirement and his take occ pension is £880 monthly We have 3 children, our oldest is 7 and has a "life limiting condition" so in addition to 4 weekly CB of £185 we get DLA of £281 and DH gets carers…
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£7K debt in less than a year :'(
After reading these boards for afew days now I finally plucked up the courage to work out how much debt I was actually in............ hummm shock horror!!!!! What a wake up call that was!:( Firstly let me tell you alittle about myself.... Up until August 2008 I thought I was happily married to a squaddie, was living in…
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Millie's Moans
Well, I think this must be about the fifth diary I have attempted but this is the final one. I have been an avid DFW for the last year but lost my way on a few occasions, I guess it's cos having been in debt for so long, it seems like a mountain to climb to get out of it and I have those moments of thinking 'oh well,…
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Squirrel's Smiley, Smart and Solvent Diary
Hello, well I've decided to have another go at diary-land, spurred on by finally grabbing all the letters that have been piling up over the last couple of months and doing something about them :o I was really on top of my debt repayments last year but have let things slip a bit lately, so have had to do a few emails/…
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I want an easier life for myself and my family
I have decided to embark on my pathway to being debt free. I have been lurking verging on stalking on these threads for a while now,i post occassionally, but normally i tend to just read and run for hills. My lightbulb has being changed and it is now letting off immense light, i need to sort out ours debts asap. i dont…
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Let My Life Begin
CAFC - Thanks for the idea for the title of my new diary :D Well, life has taken so many turns this year and I felt like it was time for a new diary, a new positive diary with no dwelling on the past 10 months. For those of you who don't know what I have been through here is the link to my old diary…
