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Time to make a start
So I am a long time lurker and have finally decided to start a diary so I have some accountability rather than just thinking I'm doing my best day to day. We currently have about 11000 on ccs (all 0%) and owe family 9500. So really need to get this sorted. Will post more a bit later but wanted to force myself to commit to…
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Single 20 something mum - time to kick myself up the bum!
Having stalked these forums for a while I've decided to start my own diary to get to grips with getting myself out of 15k debt! So a little about me, I'm a 26 (almost 27) year old single working mum of 1 lovely little 3 year old. I think ever since I got an overdraft/first credit card back when I was 19 I've been bad with…
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Dealing with the debt!
Hi All! Today is my light bulb day - 9/11/2016 I am officially taking a stand and going to speak about my debt with you all and hopefully you can help me stay motivated and get it cleared!! For a few days now I have been reading MSE and seeing how everyone else is dealing with their debt and it has truly inspired me. I am…
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DFW Nurse
Evening all! Please bear with me as I am a little nervous about putting my thoughts and debts out i to a public forum! I am a 28 year old nurse who has recently had a bit of a wake up call regarding my finances . I have always been a bit of an ostrich and always hated checking my bank balance. For one readon or another the…
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Debt-free round 2!!
So a bit about me first... last year I had debt of £5500. With the support of my partner supporting me financially with regards to bills and rent as well as a very well paid job, this allowed me to pay off large chunks of debt paying off the £4000 in a year. However, having recently relocated to the other end of the…
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Possibilities abound with only a mortgage to pay
By my calculations and using the snowball technique, I believe hubby and I could be debt free by October 2018. To keep things on track, I have cut up the credit cards and de-linked them from my internet shopping accounts. I have also created a page in my BUJO (Bullet Journal) and updated our budget so hubby can see the…
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Taking Control
I have completely lost control of my finances, I owe £8500, and every month I seem to struggle to make end meet. So I sat down an put together a list of my expenses and incomes. Turns out if I am strict with myself and stick to my budgets I can pay back my debts with in 2 years easily.
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Alway's dreaming about being more frugal, simple, self sufficient-ish
Hello, First of all I wanted to point out that myself and the other half are not technically in debt, we only owe back a Mortgage, and I think the other might have a student loan he needs to pay back but he won’t tell me about it so I cannot include it here. We currently have no savings at all and I defiantly spend every…
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Climbing the Mountain
Hello! I have decided to start my own diary after being a long-time lurker. The inspiration on this forum is just lovely, maybe one day I can inspire someone too! I do not have any debt, but I have not a bean in savings, pensions, an ISA, equity in property, etc. I currently work part time and qualify for some benefits but…
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And so it begins...
Hello all I have been lurking here for quite a while and have literally just decided to start my own diary. It's likely to be relatively boring and mundane but I feel that I need to do this to keep me on track. I've been in debt for the majority of my adult life and have finally decided that I can't go on like this. I…
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New job = New focus = Still a good life
Hey up chaps So today I started my first venture into full time employment, having either studied/worked or being self-employed since, erm 1999. So time for a new focus. I was a single parent, study-rather-work-mum and now I've got two well adjusted (can I say that?) younglings whom have flown the nest and are post degree…
