-
The "VA removes her head from the sand" diary!
Hey folks I thought I'd start this up as somewhere to plonk my thoughts and experiences as I go through this journey; the hard bits, the good bits, and the stuff in-between. Here I am right now. I have an appointment on Tuesday with CAB to discuss our situation. We've both opened Co-Op Cashminder accounts as we've accepted…
-
Build a new life in 3 yrs.
So bit about me by way of introduction. I’m a guy, early 30’s and recently finished a Law degree (I was a full time mature student). Since leaving university last may I have been on JSA, I keep getting to the final round for jobs and just missing out! Anyway I have finally been offered a 12 month training position with a…
-
Focused on becoming debt free
Hi all. I'm not really new. I was here under another name a couple of years ago. At the time I kidded myself I was ready to tackle my debt, I even took on a second job. I then went completely off the rails, got back on the rails, had another baby and am facing up to the debt before me. My problem is I've always wanted "it"…
-
In the words of Yazz...
Hi all, I did have a diary prior to this one, but it seemed unbearably depressing to resurrect it, so I've just started a new one instead. Back then I was cruising along in life, £5000 in debt with a nice flat and boyfriend but then, like an impending train collision, I got ill again. I have suffered from bi-polar disorder…
-
Debt Free by Dec 2015.............
Ok so I currently have about £12,513.90 worth of debt spread over 4 creditors. I have repayments up until June 2017 but my aim is to cut 18 months off of this & get it all paid by December 2015. 1) 2361.42 - Int Fee 2) 8348.48 - Fixed Balance will not change 3) 1400.00 - Int Free for another 12 Months 4) 403.69 - This one…
-
Uni vs' The Beast Pt 2
Hello All, I started my original diary in June of last year (https://forums.moneysavingexpert.com/discussion/3266846). I decided as the old one was getting a bit cumbersome to start Part 2. So, what happened in Part 1? - was getting back on my feet after redundancy from a very long term job. - OH and I were putting our…
-
I have a scary amount of debt!!!
I finally sat down and added it all up whilst filling out my IVA paperwork.......£62K!!! Majority of it is joint debt with my ex husband after he walked out on me at 8months pregnant and refused to pay anything towards mortgage and loans etc. To cut a long story short, I couldn't afford it all on my own so left the house…
-
Emzilla's 85 days to start afresh in 2013
Morning :) I've decided to start a new diary to see me through the rest of the year. The main reason being that I want to clear all my arrears in terms of bills so I can start 2013 with an arrears-free budget and really start to clear my debts. My arrears are as follows: Council tax - £1,285.88 Electric - £394.44 Gas -…
-
Thought I'd start a diary to keep me on track....
Hi everyone. I've tried this before and almost done it. After having a new and very real lightbulb moment I've decided I am going to do this, this time so am going to keep a diary (mainly for my own benefit) to keep me on track. Didn't have the best experience on here before with my old account so set this one up a while…
-
Starting again and sticking to it!
Well I have started a diary on here before, but too be honest I didn't keep it up to date as I went through a bit of rough patch where instead of paying off debts I just spent every penny I had...oops! But now I am back to being good and motivated to being debt free :D and will try to update my diary on a daily basis!…
-
£12.11 per day for 237 days!
Having spent some time reading the diaries on this board, I noticed how helpful they can be in keeping people motivated, so I have decided to start my own. I had made a little promise to myself to clear my Credit Card Debts by June 2013. Having done the figures, I have 237 days and £2870.82 of debt. The good news is that…
-
WTBSEs 'Living within my means,saving for a better future' diary :)
Hi :) I am not so much in debt as i am spending to much and will (yet again) be in debt if i'm not careful! I have spent the last few years paying off my debt (£9000 approx), just in time to become unemployed. Not good. BUT i now only have 1 debt, at 0%, and am paying it back at £40 a month, which is very manageable. I am…
-
Debt Free Journey Starts Today...
After 'trying' for a number of years to reduce my debt I have recently realised that my debt has been swinging up and down between £14,000 and the £7000+ it is today. Having just recently had a baby with my partner we really want to buy our own home but whilst I have payments on debts to service we will never be able to…
-
Sort it out Scuff!
Hello, Basically I have decided enough is enough - my debts aren't THAT astronomical when I compare them with other people's but any debt is bad! And as well as clear my debts I want to change my attitude in general, no more silly spending!! We're supposed to be saving up for a house and it's going ridiculously slow as I…
-
Diary of a "Frugal Saver"
I'd like to start my diary by making a declaration - I am currently neither Frugal nor a Saver :o . I'm starting a diary in the hope that it will help motivate me to become frugal and once debts are paid off I would like to become a saver. I have been watching over this forum for a number of years and felt inspired by so…
-
Credit card crisis
Have a accumulated credit card debt made up of balance transfers, and a Halifax one credit card with a current balance of £2,000 plus! want to be debt free by the time I am 50 in another 3 years time, but have three kids two dogs and three cats, not to mention a husband! I run my own business from home and am tired of…
-
Digging my way out of debt
Post deleted
-
I think I could have lived in the 1940's
Well after finally getting back on the DFW wagon after splitting from my partner of ten years I am actually really enjoying it. I was telling someone on Saturday how I don't mind not having alot of money at the moment as I know it means I am working towards my goal, how much I am enjoying finding ways of saving and making…
