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Debt free diaries

Archives for May 2013

Nymphadora's getting sorted (at last)
Hello :wave: I have lurked on this site for over 5 years but this is my first post and diary. Life is plodding along fairley well I think but it could be better. I have lots of plans floating about in my head and all to do with money so thought a diary here would help keep me on track. I have a small amount of debt but…
Counting Pennines Penniless Diary!
Well, after years of being an MSE'er, I guessed it was finally time to start a diary, so here we are! Been in debt for YEARS, all down to me. It all started back in 2000 when i turned 18 and got my first Barclaycard. My parents tried so hard to warn me to spend a little each month and pay it off in full, yeah right, the…
Finally starting our debt free journey!!
So after weeks of lurking and getting tips I finally feel focused and determined to clear our debt. Im hoping we can do it all by Christmas 2014 but will review after 6 months. I'm feeling really positive and have OH on board and I'm hoping keeping a diary will help keep us on track. The first debt I want gone is my…
My Name is Lilly and I'm a Credaholic
It's been six month since I last used my credit cards. Starting a diary to kill them off I have Creation 86.38 interest free until July 2013 Virgin 1800 interest free until March 2014 RBS 2300 interest free until Aug 2014 (just got this one) Also need a (old) new car so saving for that . Have £1100 want £2000.00 If I am…
the road to debtfreeness!!!
this is my thread, its self explainatory.:p:p Its for me to document how i am clearing my debt. debt details to follow- amounts etc. getting there, cleared £4,000 ish already!!!! whoopidy dooo!!!:money::money:
Staying on track when the end is in sight.
Hi everyone Wow it's been a few years since I've been on this site. I had a diary on here before and it really helped me stay on track, at the time my ex OH had just left me for another girl and I was bringing up our 2 young boys on my own. Not a lot has changed since then, I'm still on my own by I'm HAPPY :D my boys are…
Wols Riverbank Tales 5: Recapitulation
Greetings everyone :j:j Deep breath! Sorry it's taken me so long to come back to DFW. :o . I've dabbled in the last few months but haven't felt able to "commit" to another diary until now.:) For those that want the history it can be found here in 4 parts: https://forums.moneysavingexpert.com/discussion/2653229…
New Leaf, New Day, New Ways
Alrighty. I am now a single mum, with 2 young children. I am currently not working - mainly due to my 3yo's preschool schedule and my 6yo being disabled, which makes finding childcare for him practically impossible (and practically impossible to afford!!). They also go to two separate schools (3yo is almost 4 and starts…
Hudson1984 DFW Target November 2013
Ok thought I'd start a diary here too :) i've not got a massive debt in the grand scheme of things and have been working hard to reduce it from what it was 4 years ago. Anyway! i'm now in a good job, have a cheap living arrangement and pay around £1,000 a month off my debts so here goes!! 25th May 2013: Capital 1 -…
£66,512.11 and falling - OK £325,909.93 but still falling!
That is our debt[STRIKE] before[/STRIKE] with taking the mortgage into account. I am determined to crack this over the next few years and hopefully, one or two of you may follow me as I travel one more step along the road... Mortgage is lots and lots, part interest and part repayment - best to park that for now. I have…
Climbing our way out of poverty. Start small, think big!!!
Hello ladies and gents Let me introduce myself. I am a mother to 2 young children (a 2 year old and an 11 month old). I work part-time for the local council. My partner is an agriculatural engineer who was made redundant from a well-paying job at the end of last year. We have no plans for any more children! We have debt…
Free by Fifty - well that's the plan!
Well I have finally decided to take the plunge after lurking on here for years. I have all the information I need from this site to sort myself out but have been lacking the drive and determination. In fact I have been drifting through life for the past few years in all areas and I have lost control of my money, weight and…
1 year today to sort my life out!
Hi, I'm new to this so please help me if you see me failing! One year today I will be getting married and starting my new life and really don't want to have these debts! This is how it is: Debt Car Loan £1200 Credit 1 £1500 Credit 2 £650 Over draft £1250 Total £4600 Monthly outgoings Rent £450 Phone £45 Insurance £30 Car…
The final hurdle....time for a new diary
I've decided it's time for a new diary. Next month will see me clear another two debts in full and then June - Dec will be where I clear the majority, if not all (I hope!) of my remaining debt. I thought starting a new diary (I do it alot ;) ) would be sensible in keeping me on track and heading in the right direction.…
One and hopefully only debt free diary
Hi everyone, I've been reading a few diaries recently and have decided it's time to bite the bullet and start my own, but first i'll tell you a bit about myself. I'm 26, work full time and live with my fiance and dog. We are getting married this September so the majority of our spare cash goes towards the wedding however…
Confessions of a Dreamer..
Friday morning payday Whoohoo ! Confession time 6 weeks ago I came so stupidly close to clearing debts just about completely then got so complacent and decided to have a month off and also helped out my eldest son move out and to be honest shopping got me thru the worst weekend of my life when he moved out, soooo operation…
Indebted 2U
Hi everyone. I've been lurking around MSE for a while now and have picked up some great tips from the site over the years. I have however decided to come clean to you and the rest of the WWW and admit I'm in debt and need to do something about it!! I've never missed a payment on anything I've owed but probably like…
Redemption is 23 months away
I have been a lurker on this site for some time now but today I have decided to bite the bullet and sign up as a member. I have found reading other member's DFDs to be immensely inspiring and I have decided to start one myself. I don't expect anybody to read it, but I can tell already that writing this is going to be a…
The DF journey diary of ilovelondontown
Vital stats - because everyone likes to know who they are talking to: Female 29 Born and bred, lives and works in London with husband of 5 months Has a degree, debt and too much time on her hands. So there, the boring stuff out the way. Anyone who knows me will know I'm a fixator (word I made up) I fixate on something and…
welcome finance
i want to pay off my debt to this company but they want more than i actually owe them what can i do?

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt free diaries

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