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22 and foolish! Time to sort it out...
After finally maxing out my overdraft and all my credit cards, I think I need to face up and admit I have a problem. I've been trying to live the life I'd like to have but on my minimum wage job (a job which I love and currently have intention of leaving), so I need to change my perspective on things and basically just BUY…
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Clear debt & save by 2020...
So I have recently moved to the coast and have had a decrease in my wage (basically losing higher living allowance). I get my first wage at the end of the month so then I can work out a budget. I am also joining an agency to get some extra work. My debts: PDL 1: - 609 - £10 a month - no interest PDL 2: - 438 - £10 a month…
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Debt free at 40! 3 years to go.
I have posted on here before a few years ago but things have really got worse over the last few years. Debt, bills, more debt etc. I now work more hours and earn more than before but have less. About 6 months ago my OH and I decided to go for it and get rid by our 40th birthdays (only a week apart). This challenge really…
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parachute fund
Hi!! Well not really sure where to begin.... so will try to keep it simple for now and elaborate as time moves on, if anyones interested lol!! There are two reasons im posting one is obviously for you all to motivate me to save my goal which is 10k by april 2015, the second is a bit of emotional support when i have a…
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Cutting out the Costa
Having experienced my LBM this weekend I finally sat myself down and completed a full budget. Shocked doesn't nearly cover it, maybe terrified would be closer to the mark. Anyway no point in dwelling on where all that money went, I need to make sure no more follows down the same drain! I have successfully completed my…
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Pay off debts before Baby number 2!!
Hi everyone! I've been lurking for a while reading other people's inspiring stories and am amazed at what people have achieved in debt pay off! Well done everyone!! I decided last night to start my own diary in order to inspire ourselves into debt free living which we have dreamed of for a long time!! Our situation (mine…
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Get lost debt
So after a sabbatical from MSE mainly due to sulking regarding my revised figures for my DMP I have returned and this time its war. I was going to carry on with my previous diary but it was way to negative at times and I don't have time for negativity. I had a review a few months ago as the DMP was due to end but when…
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Debt free before I'm 40 snowball calculator says yes
Hi It's been a long time since I posted on here but the last few days have made me realise I need to be more proactive in reducing my debt. So here I am again. I still have to check my accounts and do a grand total but according to last details input into the snowball calculator my debt stands at £17709.08 and my debt free…
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jd determined to do it this time
Have been lurking on here for a while and have decided to make my own diary after been very inspired. My main reasons for starting a diary are to encourage myself to save and stick to a budget without the need to use our overdraft. Iam currently on maternity leave and am due to start back in july (starting work in sept)…
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two frugal years to freedom: a fritterer's tale
so - I did a diary before and got lots of great support and then slid back massively and didn't take my own advice. If I'd have stuck to it, I'd be debt-free now, but too ashamed to pick that diary back up I'm starting afresh. I am a single mum of 2 amazing kids: one 6 one 11. I work full time and am desperate to cut that…
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Debt free diary
Well this is mine and my partners state of affairs it is not good reading i am affraid I owe: Student loans 15550 approx Personal debt 16635 Mortgage we owe 74575 approx My other half has around 14000 personal debt no student loans. We are both on dmp's with cccs re our debts so the letters/phone calls/ debt collectors are…
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Best wellyboot forward. Pips frugal edible garden adventures.
Well hello again dear hearts. Diary number (erm I forget) - here we are again with a new challenge. I've been so heartened by the support on here that we're on to our new adventure and I couldn't do it without you. Having cleared the debts from £35k (yes that still makes me shiver in 2008 when we started) now its just down…
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Goodbye Bloater, Hello Boater.
Well talk about a plan falling at the first hurdle. I assumed it was easy to change your username on here and so was going to ditch the 'l' and become Mr Boater - a fair more positive way of signing in I thought. Not that I'm particularly nautical (despite growing up in a coastal twon I can't swim) but a boat, like a ski…
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stuck in a rut
hi i,m 58 stuck in a crap job on minimum wage (231.00 a week) the atmosphere is horrible due to some of the management team acting like hitlers but hey at least i,m working however after paying the rent £126 I am left with £105 to pay off overall debts nearly £2000 as well as monthly phone bill travel to work car tax…
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Time to grow up...
So. Where to start. I've had a comfortable upbringing. I don't think there's any other way to put it. My parents, for as long as I can remember, have worked extremely hard to get to where they are. They are extremely anti-debt, and I had a university fund set up when I was 16 so that I wouldn't have to rely on student…
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Head down, One Step.
Think it's time to call the rock bottle bell. Last ditched attempt to power on up is to record everything, stop myself having those days which just disappear with nothing being done. Income - Unemployed - £242 Debt total - £ 10,800 CC 1 - £1,800 CC 2 - £1,750 CC 3 - £6,000 OD 1 - £1,250 Cash - £560 (+~£750 end of June)…
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My MoneySaving Diary - Attempt 3
Below is a link to my other thread that I started in May so feel free to read this to find out a bit about me. http://forums.moneysavingexpert.com/subscription.php?do=viewsubscription&folderid=all I havn't posted recently as I have hardly any time so I may not post daily or even weekly, although I will try. Mostly, posting…
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Opening The Gates To Financial Freedom
Please forgive me but I have been here many times before!! However this time is different. I have more month left than money and am really feeling the stress of having zero financial security. Things really do need to change in order to stop the constant money worries and to get me back on track financially. So this is my…
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A little bit lighter...
Have so many problems logging onto this site! Anyway, credit card have been chasing me all day, except I don't get reception at work. I had to pay £50 so means I am £50 lighter off my debt, but means I have to scrimp and save more as I used money I had aside for my bills...feels like it will never end, but I start my new…
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Fat and in Debt to Slim and Solvent within 2 years…hmmmm
Hi all, I have thought long and hard about whether or not to record my journey in a diary, whether it would be of any help to me, and whether anyone else would actually be interested in what I have to say! But I think it would be nice to look back in a few years and re-read how I got on, and reflect on my (hopeful!)…
