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Debt Free by Dec 2014!
Hi I'm new here! My debt collection started at uni when i ended up maxing out my overdraft on my student account! That was up to £1700! Then in 2010 when i decided it was a good idea to go to canada when i could barely afford it.. £700 went on the credit card and ever since then my debts been mounting up.. I had to borrow…
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My quest to be more of a "saver" and less "spendy"
First of all.........hello! This is my quest to stop spending and start saving I really want to clear what debts I have left, and start saving an emergency fund, just in case life decides to throw any more surprises my way. I don't have a very good track record with money. I consolidated a few months ago and cleared all…
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Staying debt free with a mental health problem
Hi, I was previously on here when I was paying back £13k of debt. Unfortunately since then despite loads of good things in my life, like getting engaged, I've had a relapse in my mental health condition. I am currently signed off work after having a breakdown at work. Money stresses me and my prolific spending during…
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Puzz tries again.. this time with claws... My DMP Journey. I will get debt free...
Hi, I'm Puzz, and I've been hanging around these dfw threads and diaries for a long time now... I've tried many times to sort out the money mess I have made but have now hopefully settled on a path that will lead me to where I wish to be... What I don't know is how I didnt' know about DMP's before, as I say I've been here…
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Fighting for a Debt Free Future
Hi Everyone, after being a long time lurker of MSE I decided to start this diary of my journey to debt freedom. I had been debt free until June this year, when I had to change my car because the old one was becoming to costly to run. Unfortunately, I had not had my lightbulb moment yet and purchased (with my wife's…
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Displacement Activity..............
Like many people here who start a diary I’m a long time reader and only occasional commentator who’s decided to take the plunge. The diary may die the death quickly or it may run and run – who knows? So why am I starting this now? Well, to be honest, this is more of a focus exercise for me (which is why I say it may die…
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JustKaren's stop lying to myself Diary..Time to smile again!!
Well I have to stop kidding myself that my spending is under control as it really isn't!! I am dreading bills coming through the door dreading my hubby opening credit card bills and am suffering diet wise and mentally now so time to stop take stock and get on with paying back what we owe... I will gather numbers over…
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Confessions of a debt-a-holic
I've finally plucked up the courage to start this diary, as a way to help me to get back on track. As the title says, I really think I am a debt-a-holic! After being advised as an 18 year old to get a credit card by parents, I have spent most of my adult life in debt, telling myself I must change and 'managing' the debtt…
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Urgent advice needed
I don't seem to be able to get myself debt free and get into a tizz about it all the time :( I work full-time so should be able to deal with it, but what I lack is willpower. I'm a real bargain hunter but know it's only a bargain if you can afford it, so why????? don't put this into practice. Advice needed to deal with the…
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Advice please
My daughter left university with three bank overdrafts which she hasn't been able to pay off. Interest and bank charges are being add all the time and she is now desperate. We can't help her financially but want to support her effort to consolidate the overdrafts. She will have a terrible credit score so probably won't get…
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For my baby J
As the title goes, I am doing this - for my baby J. Cold and rainy outside, the heating helps to make him sleep soundly in his cot. While he's sleeping, crouching and snoring - let me start this diary. DFW - The Road to Recovery I am a single mom - by default. I am still with my boyfriend but we live in a separate house -…
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Addicted to Starbuck$
It's new years eve according to the Ethiopian calendar according to an e-mail this morning from Starbucks... It was upon announcing this to the office and trying to work out how to sneak out of work for a coffee that i realised i may be slightly addicted.......that teamed with the fact that i spend around £100 a month at…
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Woman on a mission to tackle depression & debt!
I recently tried my hand at a debt free diary & if I’m brutally honest it didn’t work. I felt a failure. I tried many means of getting myself on track whilst I was dealing with depression. I know I’m going to have off days, But I need to make this for myself. I need other people in the same situation around me if I’m ever…
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Redundant- clear debts or minimum payments?
I was made redundant 2 weeks ago . I currently have debts totalling half my redundancy payment - I don't know whether I should just take this opportunity to pay off everything and become debt free (which would mean I had much less £ to live on while I plan my next steps) or transfer the lot to my 0% credit card and make…
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final hours
final hours of my only default , and now knowing when I wake up in the morning it should be off my flle if the cra sys has done its job and im feeling really happy its been a hard struggle getting finance cc etc , hopefully now this default has droped off in the morning life should be a bit easier I hope
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need to clear the debt once and for all
Hi there, I have been a MSE forum user in the past in other sections but aftera few realisations I have realised we have to do something about our debt. Personally I have £615 in total to pay on two credit cards, one is £210 and the other is £410 both have been moved to0% balance cards and i have set up DD to both. One I…
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Fighting to be Frugal
Greetings! :) A little bit about myself, I'm 23 years old, 24 next month, and have been in debt for quite a long time now. Since I was 19 in fact. For the past year I've had a decent job and since moving into our first place together (a humble but cozy studio flat) with my OH, I've had surprisingly more free cash per month…
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not quite a light bulb moment...
So as my new diary title says i have had a not quite lightbulb moment! I have a fair amount of debt which I am not pleased with and would like to get paid off asap. However, I am not prepared to cut my budget to the bone in order to achieve this. I have a very demanding job working with children and am exposed to the worst…
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Day 1 Month 1 Year 1
Had a bit of an epiphany last night, I have been lurching from crisis to crisis, issue to issue and just treading water. So I'm creating a 6 month diary in which to get my life on track and so I can force myself to do what I have been putting off for years. Issue 1: DEBT. OD 1: £750 (0%) CC 1: £1800 (19.9%) CC 2: £1250…
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Project sort my life out.
Hi everyone, posted a thread asking for a bit of help, following this I've decide to start a diary :) I've got 8k that I am determined to shift, split across overdrafts, CC's and loans. The debts at their worst are as follows, with their current states next to them, I'll keep this updated :) Lloyds personal loan : £4750/…
