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Debt free diaries

Archives for June 2013

Net Positive Worth, Finally
As of Friday, I finally own more than I owe. It's been just under 4 years to get to this point from being at one point negative £62,500. Graph: http://imgur.com/ukzGPM1 It's not quite out of debt - I still have a couple of negative balances, offset by assets I can't or won't liquidate (house deposit fund, damage deposit on…
You cannot change what you refuse to confront.
I'm back :o with a new user name as I couldn't access my other account, new user name and a new start!! I received fab support on here before and found it really motivating. So why am I back?? Well I made great changes before and started paying little bits off our debt then my husband got made redundant. We have added to…
First time debt assistance needed please...
Hello everyone.... Not sure if I have started in the right place, but this seems appropriate as this is going to be a long road and I will need lots of assistance to get to where I need to be.... I hope in the future this will assist others in a simular situation. I am currently in debt to the tune of about £23k. This is a…
Bellas lonnnnnng road to being DF... Time to speed up!!!
Hi everyone I've been thinking about starting a diary for a while I really need something to keep me motivated and focused :j So about me I'm 29 with 2 boys age 8 and 1 and baby number 3 on the way. I've recently reduced my hours at work just working 15 hours per week at the weekends (due to finish for maternity leave end…
One down two to go
Not really kept up with my last diary at all but now the last two debts are left and I want these paid off by December 2014. £2000 overdraft £4050 mum I'm scared by that amount of debt but I have plans in place, I am writing reviews on Dooyoo, joined Qmee, works quarterly bonus, swagbucks and writing on Slicethepie. I…
Second time around!
Right this is my second LBM, the first kind of failed and my debts have increased quite a bit mainly due to moving and having to buy furniture for the house. A bit about me! I am in my early 30's and have 4 children under the age of 13. Since my first LBM 2 years ago I have moved house, started work and met a lovely man…
Debt and then the house...before I am 40!
Hi I have decided to do a diary to concentrate my spending. I am savvy on my bills etc so don't need advice on that. My issue is silly spending more than anything so looking to make myself more accountable My Debts are currently: £1980 0% CC, 1% a month £892 Loan 21%, £26 a month minimum £1611 Tax 0%...Must be paid by Feb…
Barely afloat
I owe approximately £9000 to various people; banks, ccredit cards, a catalogue and a store card. I barely make that per year, I work part time and am a single parent to two amazing children. I owe time at work and am having to pay to put my kids in breakfast club to try and make this time up. I owe this time because my…
Why am I useless at this...
So, as you can see I have been visiting this site for a number of years. In this time I have started quite a few diaries, had a name change (thinking it would be a fresh start!) paid off some debt, got in a bit more debt and put my head in the sand thinking this would all go away! However,I know it won't. I am now 32,…
My Diary to Debt Freedom!
Hi All, Have decided to take the plunge and start my diary to debt freedom! We recently got married and let ourselves get a tiny little bit carried away with the wedding planning, and ended up having to use a credit card to pay for a large chunk of it. I know this is against what everyone says on here, but the good thing…
Here we go again...
I’m back again :D Tried to sort my debt problems out a few months back but I didn’t get anywhere. I thought I’d had my LBM, obviously not though!! A couple of people pointed this out to me and it got my back up, probably because deep down I knew they were right. Anyway, fast forward a few months and I’m even more in…
Sorting out my mess once and for all
Just had my LBM last week and am in a bit of a mess. The debts are as follows: CC 1: £102 paid off 27/06/2013 CC 2: £349 paid off 27/06/2013 CC 3: £1000 CC 4: £1000 CC 5: £150 paid off 28/6/2013 CC 6: £500 paid off 16/07/2013 CC 7: £500 paid off 16/07/13 CC 8: £1183 paid off 29/6/13 CC 9: £1639 Total debt: £6,423 :( All of…
The dreaded D word
It's time that i started to tackle the debt that i have run up on a few credit cards and a loan, which now totals about £13,000. I meet at least the mimimum payments and i have never missed a payment or incured any fees or charges and it is broken down as below: Natwest CC (0%): £450.33 Barclaycard CC (0%): £5190.00 Tesco…
Too much debt drama!
Evening All! I have come back to the boards after about a year away and think a diary will be a great way to focus daily on the task in hand i.e. not spending money!! We do all the big things at the start and feel like we're makinghead way and but it's the day to day little things that will build those goodhabits and help…
Knit Witch's NitWit LBM, debt busting with yarn!
Okay I need to shift £3k of various debts, I need to shift rather a lot of weight :eek: and I need a plan! At the moment I have lots of yarn so I am planning on knitting to keep me away from snacking and on-line shopping :rotfl: The main thing is I reckon I can clear £200 a month - possibly more so I need to knuckle down…
22yo Long time form lurker, on a DMP journey
Hi all, I have to admit, I've been reading these forums, especially the debt free wannabe board for quite a long time and just wanted to share my experiences. Over the past about 3 years, I did a year at University, moved out with a few friends and was introduced to the world of easy to obtain credit. When I finished…
One small Step Each Month
I decided to create a diary as I need to refocus my energies towards paying of my debts as potentially I am in for the long haul. Gradually chipping away at my DFD date. A little about me – I am divorcee and have three children aged 13, 15, and 17 and work full time. I have always been struggling with debt since my divorce…
Debt Free By 30!
Hello, This is my second thread. First one started off well but then I got distracted by Christmas, illness and an expensive trip :o So this is part 2. My aim is to be debt free by 30 = July 2014. Outstanding debts:* Halifax CC - Balance £6146. Initial balance was £8124 so I have reduced this by 24% so far. An expensive…
The Debt Busting Adventures of Binky
Hi All :wave: Binky's finally (I hope) had a full neon in her face LBM I have lurked on this board for a while and I have decided that enough is enough. I tired of robbing Peter to pay Paul my debt is a combination from my youth where I was very silly and a year where I was unemployed. I have spent the last 5 years paying…
Gotta get rid of it
Having moved earlier this year and paid upfront for everything. I am now faced with having to use my CC to put a new motor mover on our caravan.....we are 70 & 80 respectively and can no longer push the van by hand, and also pay for 2 new tyres on our car. By the time everything has gone through the debit will be approx…

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Debt free diaries

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