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Enter The Dragon.... lionheartedgirl starts to roar!
Scuse the slightly cheesy title :D :rotfl: This is my third diary on MSE - linkies as below: under my old username - changed it to hide from my ex but now I don't care what he reads. https://forums.moneysavingexpert.com/discussion/2174635 under my current username, as I started to move on.…
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Halifax CC
Hello Myself and significant other have been on a DMP with CCCS for the past two years, original debt was £78,000 now down to £48,000 with another threee years to go. All creditors have been great apart from the Halifax CC although they have reduced the interest rate we are making no head way with the balance. Balance…
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Setting out on a DMP
As per the title, I'm setting out on DMP with cccs. It's early days, I have my "I'm setting up a dmp" letters printed and ready to go. I owe 13k: 6300 on a loan (HBoS) 3200 on 2nd loan (also HBoS) 1800 on credit card (another HBoS) 750 over draft (you guessed it, HBoS) 500 credit card (tesco) 400 overdraft (rbs). The big…
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21 year old's battle with debt
Hello all, I'm not sure how many 21 year old's have been in my position but I'd like to write everything up, get it off my chest and update you on my progress. Please follow my journey to clear my debt and save for my future. I understand that my debt is not going to be anywhere near some MSE users but for someone that has…
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Whisper it, but I think I might be cured....
So my days of debt may actually, genuinely, be numbered. And this is why. My OH and I have been moaning about our computer for a while now, our current one is an old netbook which can only just handle basic browsing, never mind watching Youtube or other such clever things. For us the famous "Fenton the Dog" clip is more…
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scottish statute barred
Ive just had a phone call from a DCA regarding an outstanding debt. The last payment on the account was in 2006 and ive never had any contact with the DCA regsrding this, i moved house etc...... Im paying my other debts off and i advised the (slightly rude) gentleman on the phone this was statute barred and he said it…
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24 YRS OLD - £23,344 DEBT - 1 Year To Clear It All...
Welcome to my diary of Clearing My Debt of £23,344 (at time of starting this thread) in 1 Year!!!
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PennyGrabber's Path to Pecuniary Positiveness!!
This is my diary, where I will list how I am doing in my path to being in the black. Each day, I will try and add something that I have done to save money/earn money/etc, and something positive. A lot of financial issues, for me, are to do with emotions, and I need to sort this out so that I can have a good relationship…
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Hi- Time to get sorted
Hello, Not sure if this is the right place to post! I have just signed up to the forums as I am getting tired of the constant gnawing worry in my stomach over money. After a tough few years I have got myself in a financial position I don't want to be in any more and I want today, February 19th to mark a new beginning! I…
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Stitching up that hole in my pocket!
Well, here's my shiny new diary :) I've been lurking on this forum for a while now and can see what an excellent tool it is, along with the MSE website as a whole in solving one's financial conundrums. Of which I have a few! So I thought I'd take the plunge and get involved. I have done quite well in changing my spendy…
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For my Mum
Hi, I've never posted before but here it goes. I have a few bills that have mounted up and lots to pay out. Which has been manageable but my mum took out an interest free morgage which is due to end next May and she can't afford to pay it off. my mum and dad are quite old and have no money due to long term ill…
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Cleggie's frugaltastic journey to financial freedom!!
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An ongoing, honest conversation with myself
You see the fundamental problem with lightbulbs is that when you leave the room the lightbulb goes out. Which leads me back here, 2yrs after becoming debt free; in more debt than my during my first lightbulb moment (the energy saving ones have been installed it takes a bit longer to get bright). Can i do it again before…
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overwhelmed new member
This is my first visit and somehow it feels like a big step ! I am a, relatively new, single parent. Massively in debt .... I reckon I should have it all paid off by 2099 .... Your stories , helpful members & tips look like they may help me to begin the long process of sorting this mess out. Emotionally , finally in a…
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Finally frugal at forty!! *cough* ish
Hello peeps, this is my diary that wasn't a diary but is now a diary.. never mind... I'm now, after living according to my means for the last few years, on the final (hopefully) leg of my debt busting journey so I thought I would record the paying of my horrible secured loan which (apart from my mortgage) is the last of a…
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Mum2one - next chapter - baby steps make big strides
Those that know me, hi, those that don't hello. When I started my last diary in 2009, my debt free date was Nov 2015, and was i going to do my best to beat it, but unfortunately a few bad decisions, head in the sand, dig deeper, I guess theres a 1001 reasons, but August last year everything came to a head, i'd taken out a…
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An Enchanting Fairytale........ Part One.
Welcome to my story, ladies and gentlemen ....... It's going to be an epic tale of many chapters of that I am sure! Hope, despair, joy, laughter, tears, frustration ...... But ultimately, triumph over our debt situation. To set the scene ........ There is me, a 38 year old woman living in her own little fairytale, with the…
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Damn you Credit Cards! Damn you to hell!
OK, First time poster after reading all the inspirational diaries, I thought its about time I did my own! I'm not in *too* bad a shape as I have a pretty good stable job, but I've just let the demon credit cards rack up by overspending. So, I have about £1400 left each month after mortgage, food, nappies etc. and have been…
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Perpetually stressed...:)
I've lurked on here for a number of years now, read some incredibly inspiring diaries and yet still find myself in debt... The problem I have is I suffer from Single Parent guilt...!! I really should be able to manage, i work full time and get a good wage but still end up using my credit card, as my ex doesn't buy much for…
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So poor I can't even pay attention
Hello everyone I’ve been back on the site a few days now and feel the need to restart my diary. However, before I start I’d like to tell you why I disappeared in the first place. I had a massive debt of 57,213.30 made up of loans and credit cards. Paying off the mortgage was and is a pie in the sky dream. I had a good job,…
