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Five years to achieve “the dream”
The beginning - 1826 days to go! A rather famous man once used the phrase “I have a dream”. Well, so do I. Mine is will not change the world but it will change the world of my little family. In this little world are my wonderful husband and I, with our first little one due to join us in January. I am feel incredibly lucky…
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Breaking through those darn K Barriers...........
Ok so I thought I would start this wee thread so that we can all help get each other through this debt busting malarkey. The next barrier for me to break is to get under 12k. I think I will be able to achieve this by 1st December 2012! Then its time to move onto the next one LOL One day they will all be gone - Cannot wait…
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Tackling the Debt together
So.... Today myself and my partner are sending the Application off to CCCS to start a DMP. We have wrote all the letters out to the Creditors and they are sat waiting to be sent as well. We havent missed any payments yet on our Debts because my Mums been helping but something needs to be done. The debt we have is -…
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Time for a fresh start.
Hi everyone. I've been lurking on the forums for a little while now but have decided to register and start posting and start a diary as I've been really inspired reading some other diaries of people trying to get out of debt. Will post about my financial situation tomorrow but for now I am just really annoyed with myself.…
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So....I quit smoking!
Deleted!!......................
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5 years to be debt free... Choppys diary
Hi After posting my SOA and getting some great responces earlier I have decided to do a diary to record my spending and keep me on track. earlier SOA thread https://forums.moneysavingexpert.com/discussion/4259127 So we are into day 2 of half term and im having a great time with my kids. Ive given them a budget of £35 each…
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18 months
Hello all This is a saving diary more than debt free. The aim is to have saved £10k in 18 months, so in April 2014. To do this I plan to cut back back, sell anything we do not want or need, get the best interest for savings. At the moment I know I can save a little, cut back on food waste, meals out/takeaways, and use up…
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bettycrumble eats her way to her own home
I have a dream. That dream is to one day own my own home. I don't at all desire anything fancy... just safe, small and manageable. In these times it's difficult to see how I'm going to do it. The only budget that can be cut is the grocery budget. Therefore, I plan to eat my way to my own home. I'd like to share recipes,…
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My children are my world
Hi Everyone, I had my LBM at the beginning of August this year when it hit me that it was 2 weeks to pay day and I had £10 in my purse and no money in my bank. Money shop it is then I thought but as one of my cheques from the previous month had bounced they refused me any more credit. Three children, 3 cats, a hubby and no…
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My Busy Life
Hi Everyone, Im not sure that here is the correct place to post my ramblings but here goes. I dont actually have any debt - but if I dont start to make some savings in my life, then I am going to end up with some !! I have been single for 2 years approx and live in my own home with a mortgage of £33,000 over 9.5 years.…
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Diary of Sorting out Life
So hello :) I decided to bite the bullet today and start a diary - I posted on the forum a few weeks ago re: my situation, and I think keeping a regular diary will inspire me to keep going/feel like I'm not alone! In brief summary again, I'm in Germany working as a TEFL teacher. I came here, ironically, because the money…
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Danielle's Diary to being Debt Free & Fat Free
So, I have finally plucked up the courage to start my own diary. A little bit about me: I am 24 (25 next week) and is currently drowning in debt. It all started when i turned 18 i "treated myself" to a Debenhams credit card where you spent £500 in one transaction and didn't need to pay anything for something like 6 months.…
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Paying off debts by taking money saving to the extreme.
I have started debt free diaries before and never stuck to them, I now have a job, which is great but still need an extra £500 a month so I can pay these debts off quickly (within the next 3 years), so I am going to do carboots, ebay more, surveys etc, but that can be hit an miss, so I thought I would really get into old…
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My gardening diary, ( amongst other things)
Okay, maybe my other diary has come to a somewhat natural conclusion, although i doubt you could call it natural or a conclusion, and i am not going to post a link as you've either read it or you haven't, and you either want to read or you don't. I have been vaguely, ( very vaguely,) thinking as my other diary is also…
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Ebay
Hi All I'm helping my parents have a clear out. Their house is literally full of things because now never throw anything away. i'm guessing alot of thing they will have may be junk but we have started listing clothes on ebay but to be honest selling them is hit and miss. Anyone get any tips on what best to sell on ebay?…
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Must not spend must not spend must not spend...
Hello everyone I've been lurking for a long while now but never posted. I'm a DFW who's gone from £22k to £14k-ish since I had my LBM and went back to work in June. The trouble is that I'm losing my focus now and am going back to my bad ways of spending money on "stuff". Trainers, clothes, etc. I really need to get my…
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My 1st Diary - SOA Done, Snowballing Ready
Hi Everyone, decided to start a diary to make sure I stick to my new plan. I asked for advice the other day and it opened my eyes massively. My light bulb moment - Whoop! Before the other day I was snowballing my debts but only a few of the credit cards and the advice was to put everything together and snowball that, so I…
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Fitter, Fundraising and Financially sound by 40 (ish!)
Hi, The title says it all really - I want to change my life massively in the next 13 months to get on the right track before I hit 40. A bit about me - I live with OH, three smalls, five cats and a hound in a slightly chaotic (who am I trying to fool - chaos!) house, which remains half finished despite OH being a fantastic…
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we finished our Dmp
We actually at the end of a tunnel into bright light, our dmp is at a £0 now. Last payment to a creditor has gone through.. looking very good at the bank;:T:) for the better...
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Onwards and upwards
Good afternoon Diary-land! :wave: I hope no-one minds this new diary. I work best with short term goals and lists, I like crossing things off. Sometimes I’ll even add something to a list after I’ve done it so I can then cross it off!:o I am forever single, disastrously so sometimes. But I have met someone who I like, and…
