-
10 years of money stress and debt! Time for a change.
Hi, I'm hoping by keeping this diary I will finally make a permanent change in my financial situation. I pretty much got into debt the second i turned 18 and was REALLY stupid with money, i never thought twice about store cards/catalogues for new clothes, credit cards and overdraft for nights out etc, I also took out a…
-
Things are looking up :-)
Had a small "yippee" moment this week. Was able to pay my bonus towards the credit cards,which has freed up enough available credit to shuffle around the money and get about a third of it onto interest free. After 3 years of trying, we are at the tipping point where we will be really attacking debt, rather than treading…
-
This Fraggle has got into debt again!
I am so annoyed with myself! I became debt free a couple of months ago December 2013! but in April i moved back out of my family home (two kids in tow). Into a lovely rented house with my partner!. Since then things have turned sour! my partner at the start of last month left, and i am now managing this house on my own.…
-
My Debt-Free Diary - Take Two
Hello, I've been away from this site for a while but just had a read through the diary thread I had on here a few years and it reminded me how useful it was. So, I'm back - with a fresh new start and a set of challenges to give me a kick in the right direction. I have a few things that I would like to save for and some…
-
How fortunes can change in 12 short months.....
Hello All, I came here today with the intention of updating my diary and then realised that it might be better to start a new thread and share a brief overview of how life has changed in this last year and all for the better financially. If you are struggling right now, take heart because things most certainly can change…
-
15 months till we are debt free... Game on!
Hi there I have been a lurker on this forum for a while now and have decided to start my own brand new diary! My husband and I have been married for two years and we have two beautiful children who are 4 and 8 months (Christmas Day baby!!) we have gotten ourselves into a bit of debt! It's not a lot but I am a stay at home…
-
Spent 4 years pretending it's all OK
Bewildered, confused, terrified that will lose everything we have worked so hard to build up. Over 70 K unsecured debt and 28K owed to family. Have been self employed for 10 years but business gradually gone down hill in recession. partner went back t o work, on good salary 47K but not enough, plus some money still coming…
-
Warning: NLID in Pro-active Debt Destroying Mode - 10 Days On From Disaster
OK, another stressy day financially, realising yet again im a male organ head.. need to deal with these debts but im in a horrible circle. the more I cut back and pay off, the more difficult making the payments my business requires to grow are, and without these payments the business shrinks and so there is no money to pay…
-
Begin again
New username, new goals, new attitude Just got out off a horrendous violent relationship, made redundant twice already this year but not going to dwell on the past. Need to focus on the future. My credit is bad. I know I will get shot down blaming my ex for getting me into debt but its true. I should have said no to…
-
Getting back on track
Going to start a diary to keep me back on track. Started a diary a couple of times before, but rubbish at doing it so third time lucky I hope. Got an expensive month next month DS and DGD, DH, DSis birthdays. Want to start to eat into cc bill and pay off M&S card Start to save to have bathroom fitted all bought inc. tiles…
-
72k to be repaired in 6 years! Oh my gawddd!!
Hi everyone! Thought I better start a diary as I have been a lurker for a while now. I need to get organised and get straight to hopefully achieve my goal! My story! I have just bought a house with my boyfriend which we are really excited about however to get the house we had to borrow a lot of money. My boyfriend has a…
-
Giving it another go.
I have decided to return after having an unplanned debt free journey break. I didn't want to carry on with my old diary as I wanted to start again fresh. So the last time I was here I managed to reduce my debt from £52k to just over £4k. The first few months of this year was very difficult and I think I just got so fed up…
-
MrsS is getting serious!
Hi. I've been lurking around this forum for a while picking up tips for sorting out our finances. I currently have debts across 2 credit cards and also finance on carpets and our sofa. All of these are interest free, but in total have not far off £12,000 to pay off :eek: My husband is self employed so his income varies. I…
-
bbl's DFW Diary
Hello all. I thought i would start this diary to keep track of my journey. After some bad spells and choices i've put myself into a position i dont want to be in. Approximate debt amounts to 10-11k and plan to eliminate it! First things first. Tracking my spending. Never really wasted money and have always second thought…
-
Making a move on debt
I have finally decided after a number of years of being on this site to start my own diary. A few things have happened in the past few days which have given me the kick up the backside to help clear (some of ) my debts. 1. Some money that I was owed has been promised to be paid back in the next month or 2 2. I found out…
-
Bringing that debt free date forward
I've had a few false starts but it's got to the stage where the level of debt we have is seriously stressing me out. So I've put the totals into whatsthecost and we currently have a debt free date of November 2019. Luckily at the moment we can make some overpayments, although in reality the money is being kept in a holding…
-
Facing my fears and doing it anyway
Hello all, I have been teetering in the edge of MSE for such a long time. The advice and encouragement I have see on the site has helped me to realise I need to face my debt fear and start to do something constructive toward tackling my debt. So a big thank you already from me. I think this diary will be a slow development…
-
Personal loan Barclays for car
Hi If you have a personal loan to buy a car as a present for your wife, the loan is in your name and through your account. The V5 is in your wife's name and the car invoice from the dealership is also made out to your wife. At no point was I asked to sign anything. What would happen if the husband now deserted (ex husband…
-
You CAN do it...
Hi all, In August 2010 I joined this forum. I was in desperate need of help. I was in around £52k debt (the actual amount was higher than I thought back then), going through a relationship break-up and felt that I had no options. Although it’s clear (looking back) that I found it difficult to explain the full situation,…
-
From nearlytherenow to finallytherenow...
Hi everyone, firstly this site is amazing, I honestly don't know how bad my situation would be had I not found it a couple of years ago, so thank you to every single person on here. BUT... I need sorting out and this diary is going to be the way that I do it and, you never know, it may help someone else in the future in…
