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Time to be a proper grown up!
Hello All, I often lurk and have very rarely posted on here however I think that I need to take the bull by the horns. Background - I had loads of fun with a student overdraft many years ago and finally paid back via debt collectors. Since then I have always been fairly careful - I've not missed any payments or anything…
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Note to self: Stop Spending Money You Fool!
Well, hello I suppose. I’m starting a thread here in the hope it will allow me to record my journey towards a debt free life. Debt has been a part of my life for 10 years now, when I was 21 I stupidly (stupid, stupid boy) wanted a brand new fast car. I took out a loan that I could barely afford (shocking now to think the…
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Life Begins at ... 35?
Hello! :hello: I used to be a very regular poster here - back in 2010 I was happy, had a decent job, was in a great relationship (or so I thought at the time), saving up for a house/wedding, all the things you do in your mid-late 20s. At 28 my ex cheated on me and left. At 29 my beloved Dad was diagnosed with terminal…
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Lets Do This......
I got a letter today from aqua saying they are increasing my rate to 49.90% from 35.% and it got me thinking I am just giving my money away, and its going to stop, I have Just been reading some posts from here, and its something I want to do, I am going to include my mortgage as well, MY DEBT: Mortgage: 44k CARDS: Aqua £…
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it's now or never
Hello all you lovely people I've been looking at mse for ages gathering great tips along the way and cheering on the successes. I never thought I'd be in this position at my age but the old adage "you never know what is round the corner" is something, in hhindsight, I should have been prepared for financially. I have…
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Wanno's workings and wonderings
I have been a long term lurker for quite some time now and it seems have lived most of my adult life getting insights and advice from these pages. I bought my house using the mortgage quides; saved money in ISAs recommended, and even had my money in Iceland a few years ago with advice from these pages. Now seems a pretty…
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Cailbhinn's debt journey!
Hello all. I've been a long-time lurker of MSE and finally am in the right place to get my debt sorted, I turned 30 this year and have had credit card debt since I was 18. Stupid decisions, ignorance and lack of foresight got me here. Shifted around on 0% cards for 10 years until those deals did not come so easily so now…
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I want to buy my house ☹️️
First ever post, here goes... I'm in a DMP with my husband. Original debt was £25k and we have now got it down to £11k. Our plan states we will be debt free in 2022. We have never missed a payment. We are both 35 and live in a council house which we really want to buy. We actually earn good money between us, about £60k…
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When will I ever learn
Hello everyone, I was active on these boards a few years ago and got loads of help and support. I hope I was also able to offer support tomothers as well. I thought I had learned my lesson, but never really tackled my shopping addiction. This has led to further debating, borrowing and now I find that I may have undeclared…
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Been through the tunnel and Seen the Light, But Need to Keep it Burning Bright!
If it’s one thing I’ve learned since becoming debt free (and there have been many both during and after), is that that is not the end of the journey it’s just one step along the road to get where I need/want to be and achieve. I think that this was the mistake I made, it was such a relief to pay off all the debt that I…
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I can do this / Arrrgghhh
Okay so I've just added up my debts (loans, credit cards and overdrafts) - not including student debts. £5956.40 I honestly thought it was about half that! But now I've got a figure, I'm going to make a plan to pay it off. My goal is to become debt free and get a mortgage (and a pension!) asap. I'm self employed and on a…
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Debt Free By 29!!!
Evening all, I am new to all this but have been stalking the debt free wannabe diaries for a couple of days now and feel that after a number of years of believing I had had a light bulb moment (but never making any inroads into my debt) I finally realise I have to clear the debt I have to move forward with my life ....…
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Road to gamble/debt free
Hi, So I've been lurking here for a short while and I've decided to make an account and start a new thread. I guess this is mainly so I'm sort of held accountable for what I do if I slip up (I think it will help). Basically, I've developed a bit of an online gambling problem over the past few years and have ran up a pretty…
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Debt Payment Plan route to debt free
So, after job hunting since Feb and nothing being successfull and my partner having had no offshore time this year so far (so we are 12k down on top of being down my salary of about 26k), the !!!! has hit the fan and we have more going out than coming in. We spoke to Stepchange on the 30th September to get the wheels in…
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Giving myself 2 years to get out of Debt
Newbie poster here, long time Watcher/Lurker though. I have 3 debts that i really want rid of, one of these has been ongoing for 10 years and I have barely made a dent out of it :( Currently it will take me 5 years to pay off at the rate im paying and so far I have the following balances CC - £2134.83 Debt 1 - £192.00…
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Freeeee meeee
I'm so glad I discovered this forum. I have been quietly obsessing by myself about my debt and now i have a space to be honest and open about it. I actually don't have that much debt but it is weighing me down. I currently have three credit cards, all were maxed out until this last month when i started payinh money off…
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From Nightmares to Dreams come true!
Hmmmm isn’t this strange typing my life onto a blank page for strangers to read. I’m not quite sure why I decided to do it but now I’m here I’m going for it! A bit about us? I’m a 33y young single mummy to a daughter who is 7 aka little miss and a son who is 3 aka rat pants. I work 3 days a week in the admin department at…
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Slimming the Wallet... and Me!
I am a long time lurker of the MSE forums, and even when I was not in debt I loved to read the diaries here as there are just so many inspirational people on this board who really prove you can make the best of a bad situation! For a long time I have had the luxury of not having to 'relate' to those in debt but…
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Putting the brakes on before the crash.
tl;dr - I've been an idiot and it's not disaster stations yet, but it will be if I don't sort myself out. I am slightly stunned I have to be here, really. I lived for several years on benefits and didn't have a penny; I always swore when I returned to work (I have a nasty health condition) I wouldn't get in a mess with it.…
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mad at myself: £12K and counting
Not even sure where to start. I hate debt. It makes me feel miserable. I can't seem to stop spending though, and I'm completely rubbish at budgeting. Income is decent, I own my flat (with a large mortgage but this is London - rent would've been higher). Yet I'm drowning in debt and it's not going down. Last week it was the…
