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Debt free diaries

Archives for June 2015

Time to stop the fret over the debt!
Well we did a wee intro/ hello post on the main page but thought we'd start our debt free diary. We're a newly (1yr) married couple, we are both blessed to be in reasonably paid jobs but between house renovations/ cars and admittedly frivolity we find ourself £13844 in debt. We don't have any children yet and we want to…
The Longshot route to a new life!
Hi everyone, I’ve been lurking around here for the last couple of days, and been encouraged by the amount of support and advice I see you all giving each other in the diary section in particular, so I’ve decided I should sign up for a quite simple reason - I need help! It really is time for me to make some changes, so here…
easier said than done
As title says, I always have these grand ideas in my head on how I'm going to live my life and change it for the better but the once the initial gusto of cancelling d/d and having one weeks worth of food shopping for under £70 with a meal plan to match, I seem to fall back into my old spendy ways. This needs to be a proper…
Missy's looming redundancy, fighting the Tesco monster, the chub and toddler tantrums
Hellooooo……… Thought it was about time I started another thread, A LOT has changed since I last posted, and I have issues to overcome and a few realisations have dawned! For those of you just reading, its me, OH, 2 year old May and 3 year old Roo. Life is pretty hectic! Currently dealing with toilet training and ‘chicken…
Debt free before 30!
I've decided to start a diary to keep me motivated and focused on my goals! Current situation: I'm 28 and want to be debt free by 30 (Nov 2016) although this may be optimistic as I currently owe 13507.28 exactly! The debt was accrued from enjoying life far too much in my early and mid twenties but I'm now desperate to buy…
Austerity has to start here.
We were bobbing along nicely, having recovered from a move last year. We have rented for many years mostly from the private sector. In January we had a serious talk and decided that with OH at 82 and me at 72 maybe it was time to look at sheltered housing. So we went on the council waiting list. We had to bid for a…
Making a new start
I decided to write a debt free diary with the hope that it will keep me focused on the long road ahead of me. I am approx. £20,000 in debt. I manage to pay the minimum each month but need to pay more. I am unemployed due to my health condition. Some days I am ok but other times I can not manage to walk anywhere. I receive…
Small Debts, Small Income, Big Plans
New to this and a debt free diary seemed like a good thing to do! Where to start? My debt is not so large (just managed to get it to under £2k), and it is divided between two 0% credit cards, I have a third empty credit card that I use for switching the load when the 0% offers end. It is still a £75 a month burden for the…
I Will Be Free
Hello fellow MSE forumites I have been inspired by reading so many diaries and I thought this may be another tool in my journey towards freedom so here is mine. I came to MSE back in February after I hit the end of limits in my cards and overdraft which made me take a good look at my finances. I knew I wasn't doing great…
Natural born spendthrift seeks redemption
There, I've said it. I am a spendthrift. And I need help. Over the past 2 years I've taken a huge paycut after a bought of ill health. I now work part time and have reduced my income by more than half. It's a pity I've carried on spending like I earn a full time wage! In terms of debt, I have slashed a lot of it this year…
New Mummy, New Life - Now need to be debt free
I have tried this once before when I was with my ex and had no support but my now partner is in a similar position to me and now also wants to make the change so its time to start again. Just under two weeks I became a mummy to my beautiful Daughter, I am on maternity leave (though keeping in touch with work so I can come…
Real Life on Hold
"They say money talks... Mine just waves goodbye!" :wave: That's a common joke, currently making the rounds on my social networking feeds, but it's something that describes my finances right now. I have so many plans for my money -- to put in savings, to put aside for yearly maintenance like a long-overdue service for my…
I am in a mess and don't know what to do
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Crunchy pays it down....£20k...the final chapter
Hi I’m crunch_time (Crunchy) and welcome to my shiny new diary!! My first light bulb moment was about 5 years ago when I finished uni for the second time (1 year professional course) with no job and at the same time, my husband was made redundant. I owed nearly £11k spread across a loan, a credit card, a store card and 2…
Just keep swimming
And so where to begin..................................... I'm not really a newbie, I used to have a diary and posted regularly but then life took over, things went wrong and it all got out of control, not that I'm making excuses I know I need to get a grip and now that I feel my head is back in the place it should be I…
Let's Be Adventurers!
Hello! I had a thread here for a little bit last autumn, but I fell off the wagon. I'm excited to be back! In total, I owe £6756.78 over two 0% credit cards. I would love to get rid of that debt-cloud hanging over me and really be able to start living the life I want to, especially as I turn 30 next June. Being here helped…
Sorting myself out!!
I thought I'd start a thread for myself to keep an eye on things, and for anyone else who fancies following my progress. I don't mind admitting, I'm terrible with money! I've had bad credit for as long as I can remember, and when I started using the internet in 2000 I quickly realised I couldn't buy anything online or use…
Ramblings of a Mad Woman!
At least thats how it feels! I've known I have money problems for a while but tried to deal with them in small ways rather than seeing the bigger picture - always expecting that next week business will pick up and sales will improve but they never had. I should have planned better for this but now its time to face up to…
Time to sort it out once and for all
So I sat down on Sunday afternoon and sorted myself out a monthly budget. If I hadn't and let things carry on as they were I would be in trouble. My personal income has been cut due to tax credits so now I have to budget. I haven't really had to think of proper budgeting for months but I have the sort of personality that…
Care Home Costs
Hi, this is a little complicated, but I will be as brief and concise as possible. I am executor and beneficiary to My Mothers estate who passed away in January My Mother was in a care home for 5 years. Because she was a part owner in the house she lived in, she was liable to pay for her care. Because the house was…

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MSE News

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Debt free diaries

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