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Feeling very scared!
Hello all! Like many people i've been a lurker on here for a few years mainly trying to get good deals/voucher codes etc but now its crunch time Im mid 20's, employed in the public sector and recently single, the long and short of it is that I came to Uni and was given a £2000 overdraft that ive never been out of, I had…
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Loopy's DFW Diary
I've had a number of lightblub moments and apart from moving money from cc to cc to take advantage of 0% offers i've not really done much apart from spend more and pay off the minimum each month. My current debts are: Mint CC £1151 APR 15.9% i think MBNA CC £4495 0% till Nov 12 B'card #1 (used to be my Egg card) £1169 APR…
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Get fit ~ Debtfree ~ and Sparkle Challenge
This challenge came to me while getting dressed this morning. Looking in the mirror i thought to myself, What the hell has happened to me :eek: lol Yes my debts get me down most of the time, but i have allowed myself to get dragged down too. I've lost my Sparkle and its time to get it back :T The main purpose of the…
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Don't Stop Thinking About Tomorrow...
Hey everyone ! I had a diary a while ago and kind of fell off the debt free wannabe wagon. In the real world people kept telling me 'You only live once, stop worrying about tomorrow and live for today' and such like. Well ! I am here again to remind myself in the words of fleetwood mac (an oldie but a goodie) not to stop…
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Taking head out the sand and aiming for completely debt free by 2014
Hi I have recently joined the forum because I have had my LBM and owe £23,500.00:eek: I owe £9,000 to Nationwide as a loan, £3,100.00 on credit card, have a £1,300 overdraft with Nationwide and owe £10,000.00 to family as a loan for the deposit on our house. I want to try and clear my debt, or as much as possible by…
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Welshone's year of change.
Hi everyone. I've decided to start a diary to keep myself motivated. This year has been a rollercoaster already. I started a new job in January (16 hours), and our son was diagnosed with autism a few days later. So in for a penny, in for a pound. It's the year of change. I had my lightbulb moment in January this year. I…
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Sorting it out in 2012
Hi everyone! I've been a lurker on this site for a long time, building up to my LBM. A quick background on me. I live in Bham with my boyfriend, we rent a lovely little house. I work full time for a property company and earn £180000 a year (hopefully this will go up soon as I am due a pay review in April, and I'm doing…
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Life in Denial
/wave I thought I would start a DFD to help keep myself motivated. I have recently had my LBM and decided it was time to stop lurking on here. :D After consolidating my debts a few times and managing to rack them back up to higher amounts ever time I had had enough - no longer was I going to live in denial regarding my…
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Budget or bust........again
Hello DFWs :hello: Room for a little one? In 2009 we were up to our proverbial in debt, £89k unsecured to be exact.:eek: We were just managing to make our payments but still overspending when DH’s salary was restructured and he was no longer paid for overtime and lost about half his bonuses. This meant we couldn’t meet our…
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Cleverly disguised as a responsible adult
Clearly I cannot be trusted with a credit card. I was an MSE member ~3 years ago, when my lovely OH and I were in about 16k of debt. I can't find my original login or even remember my username, so I'm starting again. With the help of you fantastic DFWs we paid off our debts. We then got married - and paid 12k for the…
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Buffy starts a new chapter...........
Hello folks, I haven't been a round much recently, I can only say I have been super depressed and in no fit state for diary writing of any kind. The being out of debt was not the magic wand I hoped for ;) I was quite sad to discover that I still can't get a mortgage without having a hilarious amount of savings. Which I…
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Starting afresh and finding the light
Ok so I did have a diary but I've kind of given up on it. I have now decided that I need to get back into the swing of things and find the light at the end of the tunnel. Just a bit of an update. My debt has increased a lot since I started posting on here. I am ashamed to admit that I have been caught in the cycle of pay…
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Getting professional help to beat debt. Diary
Debt Diary 1st March 2012 I have been in debt for approx 15 years. I have done debt plan after debt plan, scrimped, budgeted, economised, sold belongings, everything to try and get out of it so far, other than get professional help. It mainly got out of hand about 12 years ago when I moved in with my husband and we…
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60 minutes a day in a more productive way challenge:)
This is my challenge- to myself and anyone else who cares to join in- everyone and anyone welcome :) I'm always making excuses for things not getting done, the essay not started, the gym not visited the bathroom not cleaned.. you get the idea.. my reason is usually that there never being enough time in the day, yet in the…
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Depression & Debt: Murph's Story
Howdy all! I've lurked around here far too long! Dodged a massive bullet in that I wasn't diagnosed bi-polar, but have gone down the severe depression route. The debts: Joint loan: Over 6K but managing that fine! Overdraft: 2k, current account = eek! Credit Card: £1200, min-repayments £25 a month Quick Quid: Entered a…
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Lets get this show on the road.
So, here's the deal, I'm an idiot with money. I have been irresponsible with money ever since I was a child, any money I got, I always spent it! I'm now 26 and in a pretty privileged financial position, which I have managed to completely mess up and it's about time I sorted it out. I've posted here before, but I find that…
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1 Year on
Well I started my first diary last year (and unfortunately didnt see it through to the end of the year, this time I promise I will!) My aim last year was completely different to want I need now. Last year for me was all about finding a job, paying off my holiday of a lifetime and catching up with rent, so here I am a year…
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My Journey Out of the Tunnel
Hi all, I had a bit of a LBM last year and slowly was building up some savings to put towards debt but recently decided I was wasting time and now I should just get stuck in a get paying. I have a car on HP, a big mortgage and an overdraft which is currently ok so credit cards are my main target for now. I am paying the…
