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Soph's rocky road to debt freedom
I thought it was about time I started my debt free diary. I have struggled with spending in the past (and still do!) and had a real bad start to lessons in financial management from my ex-husband, but I have completely turned over a new leaf this year with regards to my spending habits. Over the past 4 months I have, for…
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New DMP set up with Payplan ... very nervous
I have just started a DMP with Payplan as I have heard good recommendations about them and want to finally get my finances sorted. I have been constantly juggling money around trying to pay off loans but getting nowhere !! :mad: I have one high street bank loan and a credit card, but my main problem is 5 Pay Day loans.…
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Help please
I need help please :( My husband and i are in debt for about £40,000 we have been on a payment plan with cccs and all has been going well until 4 months ago. I had a depressive breakdown and sank into that familiar pit of despair I sometimes visit. Needless to say I stopped functioning which of course involved not paying…
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Newbie
Hi there, Fed up with never decreasing debts!! Need some focus to become debt free! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income…
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Mr & Mrs P's savings diary...
Hi all, We are now (finally) debt free and are hoping to save towards a house. (Apart from Hubby's student loan!) We have a little in savings but not much left after having our son nearly 2 years ago and a massive wedding last year. :) We have very good jobs but we curently rent, our son's nursery care is on the 'most…
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Emzilla's reincarnation diary..........
Hi everyone I am a newbie....or am I?? No, I'm not. I am an oldie. I have been on this forum for 5-6 years but wanted to have a different username as I felt that my old one was too recognisable and I didn't want any of my family to stumble across it as they don't know about my debts. There is a clue in my username as to…
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Time to face up to it, appreciate advice.
I got made redundant in 2005, at the time i was sufferning serious mental health problems, i fell into debt as i was unable to face the world. I was pretty financially comfotable b4 all this. I had a few grand in savings, a nice car and 2 credit cards i never used. I had social anxiety to such a level it was debilitating,…
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The Debt Must Go (REALLY mean it this time)
I'm back yet again looking for the motivation required to get myself debt free, am actually annoyed at myself for still being in debt but I am, and there's not much else I can do about it other than pay it off! At the moment I am on maternity leave, and will receive my full pay for the first 20 weeks (am about 4 weeks in).…
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The start of the journey
Had the infamous lightbulb moment on Wednesday, 16/02/11. We have lots of unsecured debt. Loans, credit cards, overdraft then the odds and sods that mount up to £36k approximately. Just wondering if we can do it and get debt free. I'm going to break it down in stages overdraft first then credit cards then look at the…
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Bankruptcy query
Message posted in wrong thread. Could a mod delete, please? Thanks^^;
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I want to be a writer and need to get the finances sorted to do this...
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From Rags to Riches - My Journey From Sainsbury's Basics To Taste The Difference
Hey everyone, some of you may have seen my thread in the Student Money Saving section: https://forums.moneysavingexpert.com/discussion/3047504 I'll try and summarise my situation so you get an idea of my situation. I've got myself into a bit of a pickle financially. I currently owe money to Lloyds TSB, Santander, Capital…
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My fight for freedom
Hello and welcome to a nice, sparkly new diary. :j I'll explain where I am and what's been going on as my introduction - hope it's not too boring! Basically, I've been stupid with money. Ever since I was allowed a credit card, I've never seen it as someone else's money - I've been allowed to have the money... but then came…
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At Wits End
wrong place
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RE: Debt free diary..... the beginning!
Hi - I think to do a diary will keep me motivated to stick to our budget to clear our £15k of debt by the end of 2011. Have started by spending my day off pulling together a budget spreadsheet & going through Jan to see how much money we actually spent - we managed to spend £500 on food shopping!!! So step 1 is for us to…
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My diary - getting rid of my debt deamons!
After lurking around these pages for a few days, I have decided to come clean and start my own debt diary. Thing is I never thought of myself as being in 'debt', it was something that other people were in. But, ever since I became a student and turned 18 I have borrowed money, either through an interest free overdraft, or…
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Diary 2011: Getting where I wanna be!
Hello all I’ve seen a few people keep a diary online and just thought I would try the same thing, since I’m desperately trying to keep on top of my finances and get saving at the minute for a new house. Don’t worry about commenting or replying – just doing it for myself really :) Oh but if you do spot anything that is…
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A-Z Bookworm Challenge
:wave: Hi Everyone, I just wanted to put something out there for you guys to consider, not sure if this is really the right area but I'm so comfortable with the Cutting Back on Alcohol thread that I immediately thought of this area. Anyway, I'm a huge bookworm. There is nothing I enjoy more than settling down with a good…
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The Giraffe Diary - £30k in 12month - Standing tall, strong and elegant!
I have been thinking of starting a diary for a while - either a written old fashioned one or one on here for the world to see. As you can see MSE won (as I didnt want to go and buy a journal! :money:) Anyway a bit of background - I am a long time MSEr who generally lurks/spends time on the O/S board. I am married with two…
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Eek. Slightly confused but raring to go. What's a paddle? I think I need one.. :o(
Hi everyone! I think I need some help before I end up in a pickle. I'm not sure if here is the right place. I usually am on the Old Style thread but haven't been on MSE for ages. I am now officially giving facebook a rest and doing something positive instead, like sorting out our debts. I'm a stay at home Mum. We have 2…
