Debt free diaries

Archives for January 2015

Daisychains Debt Destroying Destiny
A little bit about me My name is Daisychains and I really want to clear my debt. I have really fallen by the wayside recently and need to get back on track. I used to be so good with my money but it all seems to have gone a bit pear shaped in the last year or so and now I am in the red. It is not a huge amount of debt but…
Debt Free Hope.....One Day Home Owner again?
So I am not new, but I have barely used the site since I joined. Maybe that is why I am in debt. The reason I am writing this is maybe to help motivate me. A bit of accountability. So if anyone sees me making excuses, please feel free to call me out! These last few week have been horrendous really. I am at the limit of…
Doing it all?
Last year I was finally able to become debt-free. We moved into our new house in September and over Christmas spoke about me giving up work as I feel my job is taking too much time away from family time. But with a fair sized mortgage (£970 pcm), a house to do up, a new car needed (DH is currently driving a 16 year old car…
Budget Plan Template
I've just watched Martin's video called "Debt Problems: Where to start & what to do." to start me off on my journey of getting myself debt free. Like another users story I read - I have been gradually digging myself further into debt since my early 20s. I'm fast approaching 30 and I don't want to go through my 30's on my…
My Debt free diary
ok, hope u dont mind me setting up this thread but i have decided to log my story Basically, i am a 35 year old guy who has had a lot of problems in the past, i am now seriously in debt and am now decided that i have set an objective to be totally debt free by 2020, Firstly, i currently have no savings and i dont own my…
On the road to a debt free life.
Hi all, Have been on the forum the last few hours since making my first post and decided to start a diary also that i'll try to update on a weekly basis. I think by doing this i'll feel a bit more in control of my debts and it'll keep me on track. As i'm a newbie it won't let me post links, but I had a post titled: "just…
Making 2015 count
Slowly over the last few years I've been facing up to my debt problems, and starting to make a difference. But it's time to slam the door shut on the last of them, and to make sure I don't make mistakes with my money again. I'm ready for the next phase of my life to begin, but I don't remember a time - from my childhood on…
Dizzying debts...
OK - after reading quite a few diaries, I've decided to start one of my own - hopefully to chart my progress, but quite possibly to rant or have a virtual sob now and again. Please feel free to boot me up the backside as and when needed! I'm married with two small sons and two delightful stepkids. It's my second marriage -…
my moment
ok, so here it is, my lightbulb moment!!!! have a ton of debt, will assess that over the next week as i have a week of work, even only working part time, its amazing how much extra time having a week off allows, especially without having to organise child care!!! mostly, this is for me, so no worries if you get bored or…
Decide what to be and go be it!
After lurking for a while and never posting, I think it's time to jump in with a diary. There are so many inspirational people and diaries on here and although I'm in a pretty good place, financially, I have no focus or structure (or savings) and I'd like to get on track with that as well as improve my life. I currently…
Staying out of debt diary
I hope it's ok to have a diary when I will only be about £200 in debt but I can't see anywhere to have a sort of savings diary, which is what I would like to do. Essentially if I don't start saving and budgeting I am going to end up in debt. So I wanted to make a diary where I recorded my efforts to avoid this as much as…
Off on our adventure....Jan 2015
Well I thought maybe I should start a diary so as not to fill the other threads with waffle....I thought I had started one the other day, but I just can't find it now, so maybe I didn't actually post it....LOL Anyway, after our LBM just over a week ago, we are now just waiting to send all details to SC and hope to do that…
30 in 30 days...time to grow up!!!
Hi Diaryland, I seem to have come to a realisation! :eek: I will be 30 in 30 days time :eek: and I find as I reflect back, that I am still repeating patterns of behaviour from back when I was a silly teenager. I still try my hardest to spend more than I earn, borrowing from here and there and "owing myself" money that I…
The Future's Feeling Fresh 'n' Fruity!
Hello lovely tinternet people :hello: After a roller coaster 8 years it seems, touch wood, that we may finally be on the home stretch :dance: Brief outline of what's gone on: 2 kiddos, awful debt, job issues, rejected for a trust deed so ... Husband and I declared BR early 2010 Automatic discharge 2011, kiddo #3 arrived :p…
Stuffocation!
(Thread title taken from an article on the BBC News website about people drowning in unneccessary possessions, which I most certainly have been at certain points!) Diary number 2 for me - I started the first one knocking on a year ago, when I was drowning in debt on various credit cards, loans etc. I was eventually…
Thought It Was The End
Hi Not really sure where to start with all this to be honest. I apologise in advance if I start to waffle. In a nutshell I had a complete breakdown last week at work and it got to a point where I couldn't seem to function properly. After alot of tears I was taken out of work and I am currently staying at my mum's house…
I want to be Debt free
Hi All Can i first of all say how inspired i am by some of the threads on here. I want to be debt free. I cant stand having it associated with me but i also seem to have difficulties when it comes to facing it. i would rather ignore this rather than actually doing something about it. as a result i have lots hanging over my…
I'm serious this time!
Hi all, I have had a DMP before - failed at it miserably and have just been getting by and getting into more debt since it was cancelled. I have just called all of my creditors, got balances and account numbers and sent it all off to Stepchange. Total debt was £13500! Way more than I thought I had, i have been burying it…
Pulling up the proverbial Big Girl Panties and getting Debt free & Financially Secure
Hiya! Well - the last few weeks I've pulled up my big, singlegirl panties and faced the fact that: a. I'm further into debt than I like the thought of b. I live month to month and only scrape through c. I have to reduce my working hours for my health - so really need to get this sorted d. I'm a spend-a-holic e. I have…
No money last year I will this year!
Hi Everyone, I hope this is in the right place? If not please move to the right thread. Right so after the Christmas and birthdays and food shopping this year of having to find money to get what we needed or till on the day when money came in I have decided I am going to create this post and save money or buy presents for…

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