-
Hi, Im nolongerindenial about my debt issues
Today, I have took the most positive step ever in my life and finally admitted I have a problem which needs addressing. I can not stop spending money (on useless tat)! I am looking to address this, I am a 26 year old male who has too many defaults, too many cars and an amount of debt which I feel would cripple a small…
-
Giving up smoking - EEK! All welcome......
Thread deleted
-
Tackling the effects of 2009
Hello you lovely people :wave: Thought I should start a little diary. Probably wont be very interesting but I want to be able to look back when i'm debt free of how I did it. Plus since i've been on here (only a few days) everyone has been lovely so I might get some more advice. OH and I had a good ol' chat last night of…
-
wooooo hoooo excellent day!!
hi everyone, well considering how down I felt at the start of the week today has been brilliant!! Decided I was paying too much for my phone and got them to reduce my tariff from £25 to £15! On top of that they also gave me a brand new Blackberry for free :jso I can now get rid if my battered old LG (which will still prob…
-
Debtfree in 3years and 6months!!
Well, for all those who have given me advice and support so far, I would like to let you know I am now officially starting my DMP with CCCS as of tomorrow. It has so far been relatively simple, I contacted all 11 of my creditors 2 weeks ago and have had 3 replies saying they are sorry to hear about my financial situation.…
-
Bad Weather's leavvving on a Jet Plane...
Helloooooo Everyone! This is my diary - round TWO! For those who might pop in now and again I'll Summarise: :money: LBM 1 was July 2009.....after acknowledging this and trying to drag my lazy in denial BUTT onto the famous "wagon" I can admit I never fully got on it! I was just hanging on the back dragging my feet trying…
-
Cinnys Spending Diary - Ups and Downs!
So yosh, I'm back again. Seems I've fallen into the trap of being a yo-yo debter! It's never for major amounts, but it's annoying none the less and it seems to be one big and bloody annoying circle I'm trapped in. It's a shame too, because I used to be so totally on top of my money. Saved for everything, never really…
-
Feeling a fit fed up today!
Sorry just come in for a bit of a moan really and to let off steam! Some days wanting to be debt free can be such a pain in the a**!!:mad: Im trying my best to get it down but it just doesnt seem to budge much, I keep looking at my signature to feel good about how much I have managed to get rid of since January (about 500…
-
removed head from sand; time to be a money meerkat!
That is, on the look out to improve my situation! Hello fellow forumers - I'm a long time lurker and decided to join up today as I've hopefully taken the first steps towards clearing my debts. Signed up with CCCS today, and am awaiting my pack as I'm about to go down a long low start DMP route and for once money isn't…
-
I can't beleive how easy it can be
Here's the thing I have been upset, distraught and worried by my finances for ages. Each month salary goes in bills go out and bam I'm overdrawn. Within 2 weeks I'm nearly up to my limit, a week before payday I'm over it (and it's a big one!!) borrowing money from other accounts putting stuff on credit cards etc. :eek: I…
-
Expecting our first baby - debt free and a house by 2012
Hi everybody! I wanted to start a debt free diary now that we are expecting. It's definitely a chance to start a fresh and work towards something. So...the plan is to clear £10,000 of credit and loan debt as well as buy a house by 2012. I am inviting any mums-to-be to join me, make friends, share ideas and just have a good…
-
Further financial faux pas and even more disasterous decisions
Dearly beloved it has been 14 months since I first bared my soul to the people of t'internet in a quest to salvage some of my wage packet for something fun as opposed to the nescessary daily expenses incurred by merely surviving. Over that period our overall debt has halved and I have learnt lots. Mostly that the harder…
-
Spending More!!!
Why is it that the minute you decide a budget and decide that you are really going to make an effort to cut back on non essential spending.....you end up spending more than you have done in the last few months added together!!!!:mad::mad::mad:
-
Things can only get better!!
Hello and welcome to my diary! I'll get you a cup of tea and a biscuit whilst you make yourself comfortable! I'm starting this diary with the hope that the kind people on here will support and motivate me to turn my life around. I also hope that in time I will be able to look back and see how far I have come. Last…
-
Pania:-fighting back and not letting ANYONE scare me away :P
The story of pania. Pania is a mermaid in Newzealand Maori mythology. Living beneath the sea with her sisters, each evening pania used to sit on the shore and sing with all her heart as she watched the humans on the land, longing to join them and experience a different life, A handsome man one day heard her sing and fell…
-
Debt Dropping the Elfen way!
Have tried this before, but plan to stick to it this time (must remember to subscribe to my own thread.....) I'm Elfen, I live with Pint and I have my own debts. They only total about £2k, but when you don't have it, it seems like a LOT! Currently owe money to: 3 - £35 Hamptons (Cap 1 and HBOS OD) - £320 Buchanan, Clark…
-
DFSD's five year plan... and all it brings along the way
After (finally) clearing over £9K of credit card debt and reducing our total debt by nearly 20K over the last 18 months, now seems to be a good time to start a new diary. :) For those who don't know our story, here's a link to the many pages of trials, tribulations and ramblings from the past 18 months:…
-
A long journey starts with a single step.....
Well yesterday I faced the music, added up my credit card debt:eek: and did a SOA :eek:which I posted on the main DFW board. And the general consensus is that I dont have a clue where my money is going :o . There are some areas that I know I def overspend on - hence the grocery challenge for March but the rest is just…
-
Mummytogirls - 100 years to be debtfree - I think not!
Hello everyone! Only ever posted on here once but starting to get my debts in order so starting a diary to try and keep me on track. Basically since the beginning of 2010 ive really started to think positive about reducing my credit. This included starting a spending diary which I have totted up February today and I can…
-
Jamiedodger's 2010 Journey
Hi all, a bit late in the day I know, but as my computer broke in early January, I haven't been able to get online much. Now I am back, I wanted to start my new diary for 2010. This diary will contain all my usual ramblings but hopefully no one will fall asleep:D Hope to see the usual suspects and anyone else who wants to…
