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Jud's Journey!
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Intend to be Sorted by September!
Hi all. Ive decided to start a diary.... Im struggling at the moment to pay of a credit card bill which I have, which must be cleared by the end of September. I could have paid it off by now if I had been a little more productive with my money, but I am rubbish, I know I am and thats why Im starting this diary, so I always…
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Mr Bloater's "Change Your World in 80 Days" Challenge.
This rainy bank holiday afternoon seems like an ideal time to start another challenge - hopefully one that this time I can stick to and keep the momentum going. Am keeping it very very simple - in around 80 days time I have a significant birthday coming up and hence rather than having it denote my passing into midlife…
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Where is the new frugal challenge/thread ?
sorry just wondering if anyone can point me in the right direction of the frugal challenge thread a new quarter thread has been started, and i cant find it:o
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Having my 'Lightbulb' Moment...
So this is day 1 of my diary... I'm not sure how many days it will be, but I know that this will culminate in me being able to say that I am finally debt-free and that feels so good! I think I've always been able to ignore my debts as they are for relatively small amounts each, but there are a lot of them, and I can't…
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Started my long way to being debt free.
Hi, I have been in debt for a while now wiht the usual things, loans, card, ect... and was always just about keeping my head above water with my job getting a steady wage. Recently my Mum passed away and this has now made me go under, due to a lot of additional expenses I was not counting on. So I have asked for help. I am…
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If only my shoes were big enough to sleep in...
Thought of posting in my old thread but my life is at an all time low, and as such I need a new diary to hopefully.. I'm praying.. report on progress from this point. Because things are pretty bad at the moment. Guess I should let you all know where I am at now. It didn't start off badly... I had basically landed a dream…
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Not a giant debt but it feels like a mountain!
I have decided to keep a diary to focus more on the positive actions I am taking about my debt. My debt isn't massive compared to some but it feels like it's been with me for a long time. It's basically my student overdraft from eight years ago. It keeps dipping down, and then dipping up again (to more than it was the last…
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Savings needed in my life diary
So May is a months ive decided to make big changes and save. I haven't been a member here long but after looking around the boards have decided that i could really do with saving money as at the moment hardly have any rainy days savings if needed in an emergancy. We have a the usual household bills but at the moment they…
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Indemity
Hi i joined a course on a Friday but told the course advicer to take money out only on Monday only when i call you with my debit card. But i didnt answer his calls and there was no money in that account for them to take anything out. But come Tuesday my money of £100 was frozen i could not withdraw it. So i have heared of…
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I'll do what I can 'cause that's all I can do...
I'm useless with challenges. I always hit a hurdle, think I've failed and give up. I'm not much cop with planning either. I'm very much the kneejerker in a mad panic trying to rectify problems, rather than not letting them crop up in the first place. I'm not stupid, far from it. I suppose I'm the one that is capable but…
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Money Mayhems Money Muddles!!
Wow! This is scary...but this is me taking the first step (sort of). Like many I suppose, I have been lurking on MSE, reading with interest the Debt Free Wannabee diaries, never being brave enough to start my own, until now...:T I had my LBM in march when I successfully applied for a 22 month 0% cc and realised that if I…
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Quitting Smoking - help and support
Hello to all those wishing to quit smoking, and to all those who at least wish to try! Whether you choose to stop via cold turkey or by NRT patches, Niquitin, Champix etc this is the thread for you! Set your date to stop, introduce yourself on the thread, then, day by day, or whenever you wish, post your achievements. Give…
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Facing my demons...
Here I am, finally buckling up to admit to the world in general that we have debt problems. Phew. Said it. I only got into debt when I started seeing my dear partner - because he was in debt from his ex-wife. He had a joint loan with her (which still exists), and she wants all his money. When he left her, he walked away…
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Polly's debt free mission
In January this year I had my LBM and decided it was time to sort out my finances. I discovered this forum, started making some changes and began some avid stalking of people's debt free diaries! I've decided to start my own in the hope that writing things down will help me feel more committed. Plus I'd love some of that…
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Please, please, please... Let me get what I want.
Hello all, thought I'd start a DFD as hopefully it'll provide much needed motivation to do more about my debts. Once we're better settled into our new house, I may even get involved in the PAD thread too. I've been pretty much sailing along with all the different debts recently: now that payments are going out regularly,…
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Scared as Hell
this weekend i did a lot of thinking about my past, my present and my future.. my past was a mess, a broken relationship leaving me with debt and an emotional hole that I tried to fill by buying stuff and spending money going out - if i wasn't at home on my own I didn't dwell over the past I feel so stupid when I look at…
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Trying to start again
Hi, Am looking for some advice. Back in 2006 we entered into an IVA. That was completed last Dec and is now finished. During the time of the IVA we were contract customers with O2 but because of my husband's job (Armed Forces) we had to cancel our contract as we moved overseas. We are now back in the UK but have been…
