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I can't go under it, I can't go over it...I'll have to go through it....Part 2
I have started a new diary for the coming year because a lot has changed since my last one...okay I'm may be no better than I ought to be but I'm hoping that I'm going to be wiser for the experience. I do like to ramble, so apologies if I get boring. This is probably my 6 attempt at a diary and heaven only know how many…
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Amy's Debt Free / Deposit Saving Motivation Thread
Well, I started a debt-free diary when I first joined the site; but I got quickly depressed by the amount I had to pay off and soon abandoned it. I think it's a good idea though, considering that I have bipolar disorder, so erratic spending is all part of the condition and maybe monitoring myself more closely (and sharing…
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A Debt Free Journey From Stress to Success
This is my first debt free diary. I am 24 and I live with my husband, our housemate and our pets: 1 dog, 2 rats and 7 cats. My husband and I both work at a supermarket. I owe £452.42 on a Capital One credit card with a 34.9% interest rate. My husband owes £1560 on a HSBC unsecured personal loan. We have had a nasty shock…
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All Debt Cleared At Last :)
Hi I hope this is okay to post, if not, please move to the relevant section. As of Thursday 06/12/12 our DMP with StepChange was finally paid, WOOHOO!! We did have 31 months left to pay with it but having received a fairly large PPI refund we used that to clear our debt. It feels so good to be finally debt free and just in…
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Fresh start
For the first time in my adult life, l will owe no one any money. I had a credit card a loan and an overdraft which l hid from my partner. I couldn't keep up with the payments because l am out of work looking after our 3 young children. I missed a couple of payments and couldn't catch up anymore. I was using overdraft to…
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In the negative (to the not so nice) tune of £19771.50 ...
Writing that total has made a light bulb moment hit more than ever. I knew it was bad but didn't think it was that bad. My partner doesn't know the true extent I don't think he isn't really interested to be honest. I will get there with him in the end I hope. Although this is good he isn't angry we have both done this…
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Jamiedodgers 2013 Diary
I know it's still 2012 but thought I'd make a start on a new diary:D Loads gone on in the last year, but its been a good one:) Still budgeting and still owing a bit:eek: but onwards and upwards eh:D Started with OU in January and just got my first module result, a distinction:T working on current module ATM and also at…
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Ava Quaver ~ Debt Free in 3 ~ Diary
Sorry - doesn't matter.
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Getting a Grip on 2013
I think the title says it all! My OH and I need to start being more grown up with our money. I've always been a bit of a thrifty frugal old-style soul, but living with a spend thrift of a partner does eventually rub off on you. And we want to get it under wraps! A little bit more about us: I'm 21, working a handful of part…
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The Ultimate Incentive natters on. Part 9
Wow, 9th diary. You'd think we'd have mastered this personal finance thing by now. Five years ago my new boyfriend set me a challenge – clear your debt and I’ll move from Ireland to England when it’s all gone. So began a manic year in which I eventually cleared £16,456 of debt in 250 days (or £65.82 a day if you want to…
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DFW Running Club
Hi All.... I would like to restart the DFW Running club. Essentially, open to one and all, from those thinking about it, to those who are preparing for races. Running is cheap, and good for you, and fits in well with all the other good things people do on here. If you have been thinking about it, let us know, and strap on…
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Rising to the top of the ocean - and staying afloat!
Right I’ve decided it’s time for a fresh new diary! Risen from the Ashes has been running since 2011 and is getting a bit long – and the challenges I face are different to what they were then! So .... welcome back to anyone who’s been part of my journey so far, hoping you’ll stick with me and also hoping a few new faces…
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Shredding lbs and £'s in 2013....
Hi there, I've decided to start my new diary now rather than leave it until the NY. Main reason being that I have just started a new exercise dvd called 30 day shred so I thought why not log my new challenge in a diary form and also alongside that begin my new phase to becoming debt free. Plus, as some already know, I have…
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Debt free by 37, savings by 40?
Hello, I have decided to start a diary mainly to motivate myself, keep myself sane and I can ramble incoherently as and when I need. I left my fee charging DMP company in October and now have gone out alone - not as scary as it sounds, a bit of grrrrr from one creditor but I rode through it and came out on top. Everything…
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Chanie fabulously looks after her pennies...
A new start I started this post over a year ago, but never got it going. I did join another thread on DFW called 'Learning to think like a frugal person'. I learned so much over there, I thought I'd take the plunge and start my own spanking new thread. This thread is about me having a fabulous life and not feeling…
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Young And On A Mission!
Hi there everyone, my name is Stephen. I'm 19, 20 in March and have gotten myself into debt, although all is manageable. About myself: I'm young, from Cornwall and have been in the Armed Forces since I was 16. 3 years to the day on the 3rd of January. I have an absolutely amazing fiancee called Zoe, who i've been with 2…
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Going to get there someday...
So I've made myself a little debt diary so that I can look back and see the good days through the cloud of all of the bad money grabbing ones! Myself and my man want to get the debt cleared so we can move into a place of our own (or at least partly own - we're not in a position to be fussy!). Without doing extremely…
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Third Time Determined!
So as the title suggests, this is my third time here. First time I was a lurker, and (if I'm honest!) I wanted to reduce my costs to have more money free to spend on stuff I didn't need! (Hadn't really got the idea of DFW!) Second time I started a DFD (losts in the mists of the forum no doubt!), and was doing pretty well.…
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My New Diary!
I used to be an avid member of the diaries and fighting debt but I started to lose the fight and I lost my house in 2011 which has now added to the debt I owe, so although I have some of it under control and payment plans in place I'll be over 60 before its all paid off at the current pace I'm going! I'm going to use this…
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Time for a plan Stan - new years resolutions start now!
Right, I've decided. I need to shake up my life a bit. I spend so much of my time sitting on my backside, when my house needs cleaning and money needs saving, debts need paying and assignments need writing..... So my new year will start tomorrow.... I really need to start putting my best foot forward, and not wait for new…
