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Shopaholic in need of urgent recovery!
Hello everyone -sort of deciding to keep a diary so I can't cheat! I've been saying since about May that I need to do something about my messy financial affairs. I've struggled ever since the end of my first year, and at current have maxed out my overdraft limit (£1,600) and have a credit card that has a £500 limit - and…
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New job, new start!
Hi all, I've been an avid reader of this forum for a while and have decided that the best way to try and keep myself on the straight and narrow is to write my own diary. I start a new job next week-part time as I'm a single mum and I really want to see this as a new start. I recieved my last wage from my old job today…
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Feel the fear but do it anyway
A new start so deleting old diary. Onwards and upwards...
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Making debt easier to live with
Making debt easier to live with. The law of attraction can keep you in debt. We draw to us that which we think about the most. Worrying and becoming anxious about debt only attracts more debt. It’s important to take the bull by the horns. Stay calm and make a plan. Make a realistic plan to pay off the debt and stick to it.…
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Debt free by 31
Morning all and welcome to my debt free diary. After reading how keeping one of these has helped others, I thought I would start my own to help keep me motivated. A little history... I come from a debt recovery background (boo...hiss) so disappointed that I got myself into this position. Whilst training as a driving…
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FurryBabies spending diary!
Hi Everyone, I have recently worked out that I have £38,000 of debt..... :eek: I have never been a person who has owned a credit card, let alone had a loan until recently, so annoyed at myself for not sticking to my principles :mad: I need to cut down my monthly spending to an absoloute minimum so I can pay off my debts as…
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Bring on the snowball!
Of the moneysaving cc overpaying kind obviously and not winter or eating kind (although they are yum.....:p) Have just made my first overpayment to the dastardly ccs:mad: in over 18 months. Had my LBM about 18 months ago but due to having taken 6 months longer mat leave than planned (& unpaid:eek:) we have had a hellish yr…
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Radio code
if i can get help on Radio code will highly appreciate. ford focus serial m088858. Thanks in advance.
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at my wits end and hit rock bottom!!
i feel so low at the moment ive been an idiot and feel seriously suicidal right now!! im a single mum with a 13 years old son. i suffer with depression although ive not felt so low as i do right now. because of what ive done i cant sleep, not eaten in days and i just feel like curling up in a corner, going to sleep and…
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London Socialite Sees The Light
Well here goes, my first ever diary. I'm a bit depressed it's gotten to the stage where I am writing this but no one else knows my situation and it will help to keep me on track once and for all to have somewhere to vent and log my progress. I had a LBM back in May where I came up with a clever spreadsheet and had all the…
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Enough is enough - time to take my head out of the sand!
Hi all, I am a regular poster on the site under a different username - my family and friends all know my other moniker and would rather them not know about all this so have created this user purely for dealing with my debt problems. We are a household of 2 adults, DS who is 6 and 3 cats. I deal with all the finances…
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Oh no, not another debt diary!
Sorry if this is seen as self serving but I'm beginning to lose steam after my light bulb moment back in March '11 and thought a debt payment diary in public might motivate me again! I've thrown every spare penny at my debts/saving for a bigger house since March but can feel the temptation to buy a few gadgets coming back…
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Debt free wannabe!!!
Ok, so this is going to be a record for myself more than anything, just so i can get things sorted in my head, and have it all written down to mkae it easier to grasp!!! Please fell free to read, comment, anything, i know i hvae been stuid with debt and dont need negative feedback, this is the start to turnnig it all…
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Slowly But Surely
Hello all! After reading quite a few debt free diaries I have decided to start one myself as a way of keeping on track! I have just sorted out all my figures, and worked out that assuming income and outgoings remain the same for the next few years my debt free date will be.....(drumroll please.........) August 2013! :beer:…
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** Wish I was a money fairy **
Am currently hyperventilating with anxiety at the moment, I think it might be my light bulb moment (again). By the way I have been registered here under another user-name but I just could not bring myself to post under that name. There have been so many debt diaries that I started and that fell by the wayside, that I am…
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heatherykins's second attempt at turning things around
I joined here in early 2010 and was making reasonably good progress. I was working, studying, but also starting to make progress with getting finances in order, after burying my head in the sand for years. Well, it wasn't to be. I floundered, struggled and fell apart in every area of my life, had a bit of a meltdown…
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Late-teen Crisis = Mega Debt
So I'm loving the MSE 'boards at the moment so figured I'd jump in with 2 feet here. I'm Clare, I'm 21, living and working in Glasgow. I'm currently 9 months into a 36 month Trust Deed, paying off £190 p/month, paying household/mobile/cinema bills and trying to save for a wedding...and majorly underpaid! It all started…
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Getting there...slowly
Well, I've finally decided that the only way to keep myself on track is to get everything 'out there' instead of trying to deal with it quietly, and to remind myself not to slip backwards. Other half and I currently have about 5k worth of debt between us, not including the mortgage. Probably doesn't seem a lot to some but…
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The looking to stop and change direction diary
Hi everyone. I have to admit that I was here about 5 years ago and that I did get within grasping distance of my debt free date.... Within a month or two, so I could actually taste it. Then everything went to pot!!!! My marriage broke down and I found myself a single parent trying to juggle everything. Well to cut a VERY…
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Blinded by the LBM...!
Hi This is my first attempt at a diary, although I’ve often thought about setting one up. I think the difference this time, which has actually made me start writing is that despite a flickering light bulb for well over a year, the last few days has seen it come on very brightly :o . It really is time to knuckle down and…