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Debt free diaries

Archives for December 2015

It's time to face this...
Right. Come on Lynxe, lets do this. I've been in outstanding debt since my late teens, and I turned 29 yesterday. I need to face up to this, so off we go! My partner and I live together with her 6 year old daughter, who she has full residency of. We also have two entirely insane dogs, a rabbit nicknames Hitler due to the…
Following another night of purgatory feeling sick about MY debt..
Well, morning to everyone and anyone on this fantastic site that reads my diary today. Firstly to the people that set up and run this site thank you...to allthose getting help and support Happy new year in advance. This story my take a while to tell but I need to finally: unburden myself/ see if I can get any advice along…
Time for the elephant to leave the room!
I've always been completely rubbish with money, no matter how hard I try, I always mess up and keep digging myself into progressively deeper holes. I've lost count of how many diaries I've started, each one intended to be the last. I can't guarantee a clear head on the 1st so I've decided its time to bite the bullet and…
Boatdweller is determined to be debt free!
Hello all! Decided the eve the new year's eve seems like a great time to start documenting my journey to freedom. First, a little about me. I live with my husband and cat on a narrowboat on the Thames. It is bliss (except today with the winds... Not so fun) we both work full time and enjoy a fairly simple life. The debts…
My 2016 Diary of impulse control and staying on a strict budget.
Morning Diary. This is my new diary for 2016. This is my third year of debt busting, starting in January 2014 with just over 20k of debt built up by nothing more than just not being on a budget and overspending every month. 2014 was a successful year killing off about 9k of debt. 2015 was alot less successful with around…
I want to be free - of debt.
Hello, 2016 is fast approaching so a new diary for me. Didn't get very far with my old, lack of motivation. So a new start. Debt has not decreased still around £18,685, want this gone by the time I'm fifty which is in 992 days.So I need to seriously sort myself out. Bit about me I'm 47 year old female, married to the…
A Fresh Start
This isn't my first foray into the world of MSE. I've been here before. I've been a member for 7 years, but I have constantly failed at achieving the Debt Free Status I so crave. Despite a good start last year, we are actually finishing the year £5k deeper in debt than we started. (In my defence, I spent a week in…
Doing it for Mum
Good morning world :) After a bad last few months have decided to start a new diary and start afresh. For new readers this is me and my life. Female, aged 37 3/4, single, home owner, horse owner and generally a bit nuts. Have a house that currently co-own with my ex, he has moved on and got married, at the moment his name…
Jules DFW Diary!
I decided to try and keep a diary in order to get back on track and stay there this time. I had my first LBM in 2004, thanks to MSE, when our debt peaked at £65,639.22. My son was 4, my husband was too ill to work and we went on a DMP with CCCS. For the first few years I was very proactive and paying off more than I am now…
2016 will be my year
Being full of head cold probably isn't the best time to start this diary, but here goes. I currently have 10k of debt that I would like to clear. Most of which has been from credit cards, plus 1K for a new 3 piece suite that was desperately needed (and thankfully interest free). Have printed out a snowball spreadsheet, as…
Hello Again...
Wow...have been a member for a number of years but haven't posted since 2013! How strange to read posts from back then, my how things have changed. As you can see from my signature, not sure if you can see my previous one but I have ALOT more debt this time round. Unfortunately it seems the more you earn the more you spend…
Complete Beginner!
So the time has come to have a go at clearing some debt. We are a family of four inc 2 boys (14 and 8) we have a big holiday planned in summer which needs to be paid for (flights sorted) but debt needs shifting first. I'm thinking drastic measures but don't know where to start! Can anyone help? Thanks guys!!
As yet Untitled!
Hi all, I'm Sarah, aka Tall_order. Aptly named as I am both tall and sorting both our money situation and our attitude to spending will be a tall order! I have outlined our debts in my signature, but this does not include the lease on our car of £360 ish a month :eek: I have listed them in order that I hope to clear them…
ditching the overdraft
Hi, newbie here! Trying to finally get rid of the overdraft I've been dragging around for the last decade so I thought I'd start a debt free diary to keep track. It started with what is probably a familiar story. Young student me + free £2000 overdraft = spend spend spend. 10 years later, I'm still £2000 overdrawn, with a…
My resolution
Hi everyone :) Hope you're all doing well. This is a brand new diary for myself after a very, VERY, short-lived one previously on here. I have been on and off the forum (mostly lurking) for the past year or so and as I mentioned before did start a diary however it was very short lived. I've currently got some debt (not too…
2016: Health, Wealth and CCJ Demolition
Seeing as it's nearly the new year and this is my 3,000th post, I thought a new diary was in order. 2016 will officially be the year of health, wealth and CCJ demolition - at least for me it will be. Health If I don't have my health, I don't have anything. I suffer with Cystic Fibrosis and am a bit of an old-timer in terms…
In the nick of time?
Having successfully completed my iva, I thought I was ready to face the world and win. Sadly, it is not as easy as that and I have started to drift. I suppose the only plus point is I have realised now and know that putting my head in the sand won't help. I think the realisation that the new school uniform/shoes is needed…
Deliciously Dreaming of Being Debt Free by 40
So yeah, this is me KittyCashCake. Right now I am 37, I have 30 Months till I am 40, which is also around the same time I get married. I really would love to be debt free and to enter married life feeling great with a lifted burden for the next chapter. I also want to improve on my diabolical credit rating of 142 so that I…
Let's see what a difference a year can make?
My vision for this time next year - * I will be slim and will feel good about myself * I will have a home where I'm never having to blitz before visitors come and when someone turns up unexpectedly I can welcome them in without having to shut doors to hide junk (yes - spare room - I'm talking about you) * My finances will…
Blackberry's debts diets death and decisions
Debts yes lots, diets well not as such but I need to lose some weight, and death because my partner of 12 years has recently died. I've been around here before but now I need a shiny new diary I need structure because everything has fallen apart and I need to claw it back. Decisions can't be put off any longer, for me this…

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MSE News

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Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt free diaries

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