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Dummy mummy to Yummy mummy
Hi :) So I thought I would start a diary or just put down my daily trials as a mummy trying to get it together. I apologise now as I might go off point at times, although becoming debt free is my biggest goal there is a whole host of other things I need to sort out! I'm 13.5k into clearing a 15k debt so not long to go!, I…
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Starbucks, Trainers and Cottages - Ohhh My!
Hello, I am Veronica Mars :D Am I about to take the title for the longest post ever?!?! Let’s try… So to start – I am NOT a newbie. :money:But time to put the past behind me, so I have a new name and a new diary. I have been in debt since 1st day of uni when the Bank of Scotland was at the orientation offering 0%…
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Insert witty title here
I think it's pretty common knowledge that when you start trying to save money and make changes to the way you live it's important to remind yourself of it every day without overwhelming yourself. Finding that balance is so difficult though, especially when there are so many temptations. Mine are pretty simple, but hard to…
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Debt Free before 55
My 55 birthday is 3 January 2017 and I want to be out of debt by then. The snowball calculator says my Debt Free Day will be 7 December 2016 About me I'm happily single living in a 1 bedroom flat in Sheffield and due to a health condition work for 32 hours a week. I got into debt by a mixture of boiler repairs, illness and…
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Determined to be debt free by 35
Hi I have got myself into a mess over the years...just by overspending, always temping, and by getting loans to pay off cards. I am finally in a position where I have started to pay off little bits, and I start a new permanent job soon which is going to help. Debts are: Loan: just under £7,000 (the repayments go out…
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Recently returned to UK, time to sort out the mess
I have been living in Sweden for 3 years and struggled with finding work, although i did find work for the last year and a half. I found that i couldnt really survive without using my UK credit facilities - two credit cards, bank overdraft, mortgage overdraft. I made the decision to find work in the UK and come back which…
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15k to lose!
Error. Error.
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Where does all the money go?!?! £1,000 PCM...24 months to go!!
I'm going to go straight to the point. A ruling against me has ordered me to pay £24,478.49 back at £1,000 PCM...with solicitor costs still to come :eek: forgive me if I'm starting to panic a bit, iv gone from the save 12k in 14 to the debt free wannabe boards overnight :( il post up a SOA. The thought of losing my house…
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Little steps to be debt free
I managed to get debt free and well now I am not !!!. The reason is overspending no other excuses needed. I am only setting one goal and that is to be debt free again HSBC - 2140 not interest free BARCLAYCARD - 2159.76 on 0% for 26 months NATIONWIDE - 1570 0% for 12 months so total debt 5869,76 :mad::mad::mad::mad: I make…
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Well here I go on the start of my journey
Hi all I was hoping that by entering a diary here on this section of the forum, it might help keep me on track. So a bit of my background, I started to get into debt pretty much 10 years exactly ago. It is so long ago that I can't ever remember not having credit card minimum payments and loan repayments taking away the…
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Amy's "Oh no, not you again!" Diary
:hello: Hello lovely DFWers, I became debt free a couple of years ago (hurrah!) and myself and DH decided to start saving for a house deposit. We were living in a little flat in a pretty awful part of town to save money and, for a little while, were able to make some good savings. Since then however we've had our wonderful…
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Whooaaaaaa! We're half way there Whooooaa! Livin' on a prayer
Sorry corny title, blame Bon Jovi. The debts are my fault though, brought about by leaving ex, car problems, holidays. Well nearly half way there. Promised myself a shiny new diary when I got somewhere near halfway point hopefully beginning July Horrifying moment 13039.00 1.1.13 now 6829.09 02.06.14 Aim to be debt free by…
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Starting married life getting debt free....
Hi I've been lurking in the debt free wannabe section for a while and have finally plucked up the courage to start my own diary! Between us my OH and I owe about £15,000 (oh I feel a little sick reading that!) We get married next week and we have both decided that getting debt free as soon as possible is what we need and…
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Debt free graduate!
Is it possible? I'm going to try. I have a fair bit of debt but I also have a terrible credit rating due to a handful of CC defaults last year and lots of unpaids going through during hard months. I am really keen to improve it, but not only clear the debt but have some savings. My main savings goal at the moment is for…
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New secret diary
Hi all, I am lying in bed on ipad writing this as cant sleep, due to what?? Yes, thats right, DEBT. Secret debt at that. Im not really sure how I got here but have a problem with spending beyond my means. No one knows about this, especially not the OH. I will not be getting it all off my chest due to 2 reasons: 1, he would…
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Decided I have had enough of my debt!
I have a few credit cards owing approx £6200 in total. My biggest debt is my barclaycard £4700 at the moment. I have decided that I would like to clear all my card debt and stop spending on my cards. I am planning on paying between £400 and £500 per month off my debt starting on my next pay day (end of June). I can't wait…
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I Wanna See the Light
Hello Diary, I hope we will be best friends over the next weeks/months/years (hopefully not too many of those!) Why the Title? Cos I really do want to see the light at the end of the tunnel.At the moment I can’t even see the tunnel but I’m sure its just around the corner, I just need to keep walking towards it with focus…
