-
Ed v THE DEBT
Hi, I have been posting in the main forum since my LBM in July but am going to move my 'diary' to here I think
-
On the up (Hopefully)
We had our lightbulb moment at the beginning of the week when hubby had to extend his overdraft (not as dire as it seems as he is due to get paid for a big job hes just finished) Anyway it prompted us to have a proper sit down and go through our finances, ive been aware that we needed to do something radical to stop it…
-
update
Hi all, Just wanted to update. (back story... May 2010 our business became unsustainable - we either went bankrupt or took the £30,000 debt hit ourselves. Weighed it up and we chose the latter). We were doing magnificently thanks to savings, my husband working incredibly hard, the generosity of all our friends and family,…
-
The Cow Jumps Over The Moon...
...Or at least attempts to! I have been lurking around this forum for quite a while now, every day thinking "I should post a diary - it might help me" but never quite having the courage. Silly I know, as everyone is in a similar position, I think putting it in writing just makes it a bit more real, and that's what I am…
-
New start!
Soo... this looks like a good place to collect my ramblings. I don't expect anyone to read this because it's going to be incredibly boring (and probably quite whiny too!) but it's something I'd like to look back on in a year or two when I'm debt free, driving a shiny car and living in my mansion with a couple of rockstar…
-
Swimming BEFORE we start to sink.
I've been browsing for a bit and this forum has been great for motivating me to take control of our finances BEFORE we sink. THANK YOU to all of you!! :T (I even got up at 6am this morning to try and get a travel lodge room we need for next year at £12 - not available on the one we need but at least I tried, which for…
-
No more wasting time. Studying, slimming and debt busting
I read these diaries all the time, and am just amazed how well people progress. I'm hoping my diary will proved me with more of an incentive to crack on and sort my debts out. I have a DMP already in place with Payplan, been running for a couple of years now. I think the total debt once stood at around £28000, and is now…
-
4 stone, debt, fight club face to lose
Well a new shiney diary for me, I didn't use the old one like I had hoped I would and was in a bit of a wierd place. So I think I will start a fresh! I am in a much better place and feel relaxed and happy, I still have my dark days/weeks but always try to remember that it will pass and I do not need to worry about it so…
-
Clearing debt with a toddler, no support and a house to keep on top of!
EDITED to give more info :-) Bit of a long story. I live with my partner who has debts of his own and has not had his "lightbulb" moment yet. Despite my efforts he is unwilling to tackle our debts together and due to one relationship problem after another he would still like to keep our money seperate. I have been on…
-
Enough is Enough!
Here goes nothing! We are a family of four myself, OH and two boys we also have a few pets a hollow legged hyper German shedder, parrot, aquarium and a canary that lodges with us 3-4 months a year (long story). My OH unfortunately due to ill health cannot work so we rely on a mixture of benefits and my 2 part time jobs…
-
Lions & Bears & Tigers..Oh My!
I've only gone and done it! I told myself I really need to do one of those debt diary thingies and..I have! So this is me.. I'm a 34 yr old mum of 2 with a lovely supportive husband :) Sadly I've been in debt since I can remember, probably way before my 9yr old was born. My goal.. I AM going to be debt free in 2 years -…
-
My diary of independence.....
Thought I would start a little diary here although am keeping a more in depth one for myself it will make me come here every day and be accountable ....I hope :) This is my 5th day of being out of work afer working for over 25 years in the public sector and I have never been happier....Scared as hell about money etc but…
-
OMG total LBM!!!!
Let the fun begin. I am 33 with a 8 year dd single mum. A bit a bout me I work full time (well more than full time with the mad over time I do) Come to the realisation that I should have thousands saved but only have £170 in the bank saved and have decided to set myself some goals: * save at least £10000 for the next 3…
-
I am a Wannabe
hi all, thought I would give this a go as my head is about to explode with looking at my lists and writing everything over and over again!! I have eventually taken my head out the sand and realised that me and hubby are a wee bit in debt, I say wee I really mean huuuugggeee for the amount we have coming in! still trying to…
-
A new start?
Hi, I have posted a question in another forum about selling up and moving on to get a better paid job, in another part of the country. It seems it will not be as easy as I thought. My dilemma is do I sell my house, pay off my debts then get another mortgage(not easy) to buy a new house OR sell up pay off my debts and rent…
-
Debt Free by 50
Hi All, I've been lurking around these forums for some time now and read some pretty inspirational stuff. Today I've plucked up the courage to create an account and start a debt-free diary. Why ? Well, at about £300K in debt (mortgage included), then I think now's time to say enough is enough. Alot of this debt has been…
-
Arctic's roll to liquidity
Ey up all, Feel a bit silly having to make a diary to give myself a metaphorical kick up the a***, but having had about 5 'flickering candle moments' (i.e. LBMs on which I've acted for all of, oh, 3 weeks :o ), I think i might have finally had my LBM. It's all because of August. Well, actually, it's all because I am (WAS,…
-
Countdown to clean credit file...
...and another step away from my past. I've been pointed in this direction from the bankruptcy board by ifwisheswerehorses so here I am starting my diary with my steps to a clean file and a big weight left behind from my ex being lifted. I'll copy and paste what I wrote on the br boards to give you an idea of why I'm here…
-
Lightbulb in full effect
The lightbulb is now fully on it has been flickering for years, managing debts juggling etc paying loans off now i can start for real general run down of where i am now, married 3 kids 1 income Mine for the last 8 years i have juggled struggled, asked parents to bung a few quid in my bank to make sure, they pay for…
-
HSBC will not answer me!!!
Hi All, can anyone tell me where/who to write to at HSBC to get proof of credit agreements (Overdraft,Personal Loan and Credit card) as I have sent 3 letters to my old branch and two letters to the solicitors whom are acting on behalf of HSBC? I sent £1 cheque to the solicitors after they told me they would send me the…
