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Debt free diaries

Archives for June 2013

Last dash for the finish line
I thought I'd try a diary as I enjoy reading other diaries here. I've heard some really inspiring and brave stories. My debt currently stands at £5098 on a 0% card. I'm aiming to pay it off by Feb 2014 but with a push may do this by Christmas. I'm lucky in that I have a good salary but I've had to get better at budgeting.…
Working towards "starting again" in London
So, I'm 34 almost 35. I live offshore and have done for almost 9 years. I only ever intended to live here for 18 months but ended up meeting someone, getting engaged, getting un-engaged (after he cheated and is now married to her) and staying as I didn't feel it was right to go at that time. I've not been happy here for a…
~*~ The finishing straight for OrangeFairy :-) ~*~
Happy New Diary day to me :p I think I need to swear that this will be my last dfw diary! Right I am OrangeFairy.....I live in Devon with my awesome hubby and my two daughters who are 10 and nearly 8. In summary I got with hubby very young and he had a lot of debt...this with CSA payments and living slightly beyond our…
I will not take no for an answer - I will clear you debt!
So as my name says - Time to rebuild! As the title says - I will clear the debt! Its going to be a long journey but I am going to do it! A bit about me - the wrong side of 20, a mum, a partner, a creative, anxious and shy debt ridden girl! Total debt around £6800! Ok so not huge huge amount but enough to make me ill - with…
Building a newer, simpler life
Hi all! I've been lurking on here for a few weeks and have finally got myself motivated to start a diary, inspired by all of you :) By most people's accounts, I'm lucky. I have a well-paid and pretty secure job, but was really unhappy in it (for lots of reasons that'll come out I'm sure!). It all came to a head when I…
Debt free wannabe again !!
Hi everyone. im opto-mum. im a full time mum of 1 (soon to be 2) ... i started a DFD last year. and became debt free this year.... im so ashamed because we have got ourselves back into debt again. :o :mad::o:( so here i am again, needing to tighten the purse strings and gain control and keep control of our finances our…
Chuckle-butt debt free by Christmas 2013
Hi All, I have previously had a very short diary on here that i was not very good at keeping up to date, that was a couple of years ago now, but i would like to start a new one as my circumstances have changed. A bit about me. I am 33 (nearly 34), married with 2 gorgeous children DD 3 and DS 10 months. I am not long back…
Working Hard
Hi all Firstly thank you to anyone who reads this. It seems like a good idea & will help keep me on track. I got into trouble with the old payday loans, fell into the trap of thinking it would be ok but ended up with 4 before I knew it. I then thought 'maybe a credit card would do for emergencies' but again I maxed that…
The 44 List and Beyond.........
Well no newbie here but a struggling Debt Free Wannabe :o We were doing ok and the debt was going down slowly but surely until March this year when we lost my Mother in Law after a short illness - was such a shock as she was only 71 and the life and soul of everything and such a kind and generous person. :( So much so the…
Taking care of my pennies...
So here goes another diary... How we started off with a debt figure of over £58k, I'll save that story for another day. 5 years later and we are down to around £15k. I say around, because as you can tell, my focus has gone. Time to get it back again and kick the backside of this debt for good. Life has changed for us a lot…
Breaking the cycle and getting on track
Hi, I'm a long time lurker but have now taken the plunge to start my own DFW diary having seen how motivational they've been for others. Debt currently stands at £2280.56 £503.11 overdraft £323.96 card 1 £1424.99 card 2 The debts built up over the last 18 months - we moved house last year, things were tight over the first…
Keeping going
I have been lurking on this site and doing my best to clear my 0% credit card before the deal runs out at the end of October, and it's been going okayish but now temptation has arrived in the shape of a shiny new balance transfer offer from my other credit card. Getting my balance cleared by October is painful and a new…
Going for a new life at 50
Deleted - sorry
Dealing with my demons!
Hi to those who read this and thank you for taking an interest in what I have to say, share and admit :o First of all, this is going to be my dirty little secret, I've read quite a few of these diaries who have the same confession, so I feel ok about it! I've been reading this forums for about 6 weeks now and I cannot…
80 days of indirect money saving
Why 80 days? Because I'm on holiday for the first 2 weeks of September. We're not going anywhere but I don't want to spend the 2 weeks feeling bleurgh & having to do all the small tasks of piddliness that seem to build up when you work full time & CBA at night :o So - for the next 80 days the plan is * No alcohol (very MSE…
Oh yeah... oh yeah... oh yeah
Well I have spent a few weeks reading posts on here so thought it was time to get a grip and draw a line in the Sand. Been a member for a few years now but forgot the password/log in. Well you can see my debts all layed out below on my Signature. Route Cause being Gambling a few years back. I never got back on to an even…
Erm Motivation?...where did you go?
Well hello there...again, I did write a really long post last night but it seems to have disappeared, don't know why? But I guess it gives me a second chance to start a diary without being all down and mopy like I was feeling last night. This forum inspires me and is filled with lots of lovely people doing great with their…
For the girls
Feel very fed up with myself for this, currently in £4139.72 to the penny in debt, what's most infuriating is the fact it's been spent on the daily grind, food shops here and there, filling up the car, and not paying it after. The 0% runs out in August 13, so only a few months, I can't get another card and also I don't…
Time to stop procrastinating!
Hi, I've been a member of MSE for many years (I tend to lurk in the corner though) and have picked up some fab tips along the way. In fact my fascination with consumer protection (gained from here) made me follow my dream of going back to college and studying to be a solicitor. In short, I used to be an avid moneysaver and…
I want to be debt free and start saving money.
I am so glad that I have found this website, especially this forum. I sat down today and wrote down all my debt. It was shocking. Not only do I want to be debt free but also learn to handle money. Something I have never learned before. I come from a well-off family where money was never an issue, but with 17 I moved out…

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MSE News

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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.
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Debt free diaries

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