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Debt free diaries

Archives for February 2010

£365 in 365 days.... 1/3 of the way....4 months down........ 8 to go
Here's the challange - £365 in 365 days. The aim: to put in £1 in a day from 1st January 2010- empty it on 31st December 2010 and spend spend spend in January 2011 sales. People are attempting this in many ways - feel free to take your pick or create your own: Put £1/ £2/ £5/ £10 at intervals into a money box. Transfer £1/…
Dear God what have i spent it on!
have been taking a belated look at my finances and realsied i have in the region of £40k unsecured debt arrggghhhhh - £12k realtes to a conservatory but as for the rest- dinners out, holidays and a load of cr*p i dont wear................... me and hubby have good jobs so if i wasnt wasting so much on repaying this stuff…
March is for money making & money saving
I really need to give myself a shake so here we go again. March WILL be a good month. Good points Mum's house sale goes through tomorrow so one less thing to be following up Thug who assaulted ClootiesDad has been to court & pleaded guilty so that is now FINISHED Weather will start to improve so I can make myself potter in…
All new 100 day challenge - it's 31 or less!
Marvellous March How Many Days Can You Pledge Not to Buy What You Know You Shouldn't? Whatever your temption is join up... the next version of the 100 day challenge Calling all 100 dayers! Calling all 100 dayers! If you found 100 days too long to stick to we have a new version of the challenge ready and waiting. Try 31…
Determined to be Debt Free before 2018!!!!
I have followed In My Dreams diary for quite a while and find her determination and everyone's support so motivating I decided to start my own diary and stop procrastinating! Our debt is made up as follows: Natwest Credit Card £1,350.92 (£160 owed by MIL) Barclaycard £960.41 (£50 reclaimable from the vet) Unsecured loan…
Choosing the Right Path
Right, I am here! I've realised recently I am finding myself at a crossroad. And it is time to choose the right path. So. Today I have found the template for writing letters to creditors to sort out getting statements and gone through the SOA thingie and Snowball thingie. I don't know exactly how much I spend on things…
positive mental attitude!
ok i have a main thread on the DFW board with my SOA etc and its not looking as bad as i thought - however i still need to cut back and get in some extra cash to get those debts paid off so I figured here is a better place to kinda blog (maybe to myself) about how i'm doing:p plan to switch to rollies at least during the…
My Very Long Journey
Well guys, I've been a member of the forums for many years but think my old name may have been sussed so I'm starting again with a slightly new way of thinking. My debts are too horrendous to even go into details about but I've got them down as much as I've been able to by reclaiming bank charges ands PPI. I've e-bayed and…
Newbie in dire need
Hi all, am new to forum and hope this thread is in the right place... Anyway I need some advice, some 5-6 years ago I got myself into quite a bit of debt £20k+. Since taking on the debts (which I was so very easily pursueded to by the banks and credit card people) I have had some real personal problems during this time and…
Miss Mental can see light at the end of the tunnel...
Hello, I'm 44, been over spending for years, enjoy the good life, holidays, clothes, going out etc. I've always had the philosophy of living for today because I may not see tomorrow. My mum died young, I suppose it has affected my view of not saving for things I wanted. Over the years I have had credit cards & loans now…
Wiggletots diary to wriggle FREE!
I have been on these boards for a couple of years but my old user name was way too obvious as to who I am and now I've decided to start a diary I don't want anyone to recognise me! So I'm starting a fresh, and determined to succeed! I've procrastinated, buried my head in the sand and talked about this debt for too long and…
Ok, it starts here
No histrionics, I need to get it sorted. I have credit card debts of £16000, a mortgage of £185,000 (interest only), a personal loan of £11,000 and an overdraft of £1200 (split over two banks. I bring in £2350 every 4 weeks plus family allowance and working tax credits totalling £172. I am lucky in the fact that I am able…
Sillyrabbit's facing-up-to-it-properly diary
Hi DFWs - I am a regular reader of MSE and always looking at deals etc but I decided today that I REALLY need to sort out my/our finances and see if we can kick these debts into touch. I'm Helen, I'm 29, married to Finton (34) with 2 girls, aged 3 and 3.5 months. I look at my girls and think I HAVE to sort this out so they…
A journey of a 1000 miles must begin with single footstep....
I had my light bulb moment back in August 2009, when I realised my debt had reached a grand total of £18,650.47. The first step was to tell my partner and my friends the truth, which felt like a huge weight had been lifted off my shoulders. I now refuse to feel bad about saying 'I can't afford to do that'. 7 months on and…
March make £10 a day Challenge ~ALL WELCOME!~
Hello to all newbies & regulars and welcome to another £10 a day challenge :hello: This challenge first started in September 2007 so this will be the 30th Month this challenge has been going so thanks Batgirl for starting it and JesaRose, MizMir and Purpleroses who also keep the thread going. :T I know this first post is…
Bunny_Lover's Diary
I have decided to publish my SOA Statement of Affairs and Personal Balance Sheet[/b] Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 380 Partners monthly…
Daddy To Be: Lets Save Some MONEY!
Introduction Hi, I have been a 'watcher' of MSE for a few weeks as well as looking on the forums but helpful tips. I thought to myself, I may as well join up and for everytime someone offers me advice. I may be able to offer some advice of my own to someone else. As I am new to the forum. Finding the right section has been…
debts clearing but now off work for 12 weeks
hi all i was in £12000 debt in december 08 when i lost my job i then got a job in july 09 and have put every penny into clearing them i am now down to £4500 but after a car accedent i have broken my leg and i am unable to work for 12 weeks minimum and now the hailfax is charging me £5 a day for being overdrawn my outher…
Over £10k debt aged 22!
nevermind, please delete post. thanks
New diary + new spending habits = (hopefully) less debt!
Hi I'm a single working mother of 3 (15yrs ,12yrs & 10mths) Having mounted up a total debt of £14,500, mostly on credit cards, with not-a-lot to show for it, I decided a few weeks ago that enough was enough and my debt should be decreasing rather than increasing. I started with good intentions, posted on debt-free wannabe…

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