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My Debt-Free Journey - The Final Push
Ok, so this has been a long time coming, and that's why it's such a long post! I would like to start by introducing myself and 'setting the scene' :) I have been using MSE for a few years, lurking around the boards and following other peoples' journeys for inspiration. I will be 30 later this year, living at home with my…
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On the road to freedom!
Oh god here I go!! Im hoping this diary will help me really see my life as it is where the hell all my money goes and remind me how far I will come when this is all over. Well LBM was 2nd January I realised that was it my money had run out and I wasn't going to scrap by this month or any other month if I carryed on. I…
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Debt Management Fees
Hi Everyone I am currently sorting my finances with a reputable debt management company, who do not charge any fees :D However....I was wondering, with the new finance bill passed last year ensuring Debt Managment companies are transparent with their fees, if you can reclaim from a previous management company?? The reason…
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Struggling but determined... Mostly!
Well, this is my second SOA I have put on here and doesn't look much like the first one! I am determined to make ends meet and get out of debt but am really struggling. I have decided to keep a diary on here to try and motivate myself. I ended up in a lot of debt years back through university debts and running up various…
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Where it all goes....
Statement of Affairs & Personal Balance Sheet Summary Monthly Budget Summary Amount(£) Total monthly income. 3,781.2 Monthly expenses (incl. HP & secured loans) 2,872.87 Available for debt repayments 908.33 UNsecured debt repayments 809 Amount left after debt repayments 99.33 Personal Balance Sheet Summary Amount(£) Total…
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Project Phoenix- rising from the flames
Closing in on 30, I'm increasingly coming to the realisation that life is way too short. It's all very well living a care free lifestyle but sooner or later, if you don't live responsibly within your means, it can all come falling down around you. Fortunately, although it's far from great, my personal financial situation…
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Debt bashing before 2.5 become 3.5
Evening lovely MSE's, A newbie here but a long time lurker, been inspired by everyones diaries on here & figured it might work for me too. A little about me, I live with my other half & our crazy boo pooch (the .5 of the title) & am currently 4.5mths pregnant with our first child - eeeeek (in good way!). The plan is to…
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Final Push - Debt and - lbs = Healthy Me
Like many others, I have made plans to make this year "My Year". I have cleared quite a bit of debt and was feeling quite good about it all. I was resting on my laurels, thinking no hurry to clear the last bit, easy to manage until its paid off. Then..........at the age of 62 DH loses his job (4 months ago). So I need to…
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Debt Free by 2013 (not a typo)
Ok, so here goes, looonnnggg-time lurker, first-time poster, full-time spender! I guess the best place to start is with a history of how I got here... I graduated in 2006 with the obligatory pile of student debt. Managed to get a great job out of Uni, but based in London and by the end of 2008 my debts had spiralled to…
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Toe Tapping Hippo
Hey all hope your well Today i need to begin making some decisions and hopefully along the way embrace tips and advice from you all which will be more than welcomed. Brief bit about me: Thirty something mother of one dd 13. Have a partner but we don't live together, he is not my dd dad. Privately rent a gorgeous bungy in…
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new year new me
Hi all, have decided to join. To cut a long story short have roughly £10000 of debt that I really want to get rid of this year( well going to give it a good go). Have decided to set myself some goals for this year: 1) Stop smoking - this will give me an extra £200 to pay towards my debts 2) Reduce spending on groceries-…
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Starting to save for my dream life
Hi, I’ve been reading posts on here probably for the last 3 years and have decided to take the plunge and keep my own diary to keep me on track and keep me motivated as like a lot of people I start off with the very best intentions but end up falling by the wayside. I don’t have a lot of debt and it is manageable, but just…
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The way I see it...
... I have two options, one is to keep going and get myself in a real mess that I won't be able to sort out, or do this.... I started a diary around 2 and a half years ago titled "living the dream by 30" with the intention of paying off my credit card debt by my 30th birthday. As my 30th looms large it is clear to me that…
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Credit File -- applying for new Credit Card
wrong forum
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My Minimalising Diary - Debt and Life!!!!
Hi there, After over a year of lurking I am finally taking the plunge and starting my diary!!! I have ALOT of debt- all of my own making- no excuses. Just to give some history, my debt problems started around the time I got married- 17 years ago. It started with a small loan here, some hire purchase there, an odd credit…
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Stuck in the mud - My Debt Diary
Hello everyone, I believe that I'm right when I say, we've all had that same horrible feeling of being "stuck in the mud" or so far down a hole there doesn't seem to be any chance of escaping it. It was after reading so many other debt diaries on MSE forums that it finally dawned on me that I can create one as well. So…
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Debit Free by 2013.....
please close this thread - i don't know how to
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Im not going to be an Ostrich anymore (or in short F1s debt diary)
My head is no longer going to be buried deep in the sand - some days it might be a little under the surface but definately out more than in! This may be the first day of the rest of my life (or at least 10 of them anyway!) Im 40 have a hubby and one son - we have lived with our heads in the sand too long ................…
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She's finally seen the light!
Hello there I have at times used these boards and found them very helpful. But the serious switch had never been properly switched on - but the good news is it has now! And i'm here to stay. My partner and i have four children aged 1, 2, 5 and 9 years, and 4k debt to match! Over the years our debt has been higher than…
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Hello, I'm new :) Time to change
Hello Everyone! I've been looking on the forums for a while now, and I thought it's time I need to join up, especially seeing all the lovely support that is given :) A bit about me- I'm 26 and a married mum of 3 with my own business. I do have Borderline personality disorder, which can be similar to bipolar in some ways. I…
