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Preparing for new chapter in my life
Been reading all the interesting posts on the forum for a while and decided it's time to take the plunge and start my own diary. A bit of background to myself. I am approaching 60 and due to ill health I had to take early retirement from a well paid job a couple of years ago. My private pension lump sum enabled me to pay…
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Got to sort myself out. Where do I start!
Well the time has come to me that I need to sort out the finances. I am in a real real mess. My debt stands at - Barclaycard - £180 Next- £1,125 Aqua- £2,546 Creation- £4,200 Capital One - £1,320 Total - 9,371 :mad: The only bonus I have on my side is my house, I don't want to sell, I can't remortgage - but its worth £350k…
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if i make a start . then there has to be an end right ?!
24 years old 3 kids . bipolar. physical disability. second child with additional needs and £15k of debt (£12k + interest if i can get approved for a loan and consolidate) i always thought id leave school go to college , travel. go to uni . get married . buy a house . have kids. raise the babies. then one day retire. but…
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Help Me Please
Hi Everyone, Without going in to too much detail I am 27 year old and I have racked up £18,000 in credit card / loan debt chasing gambling losses. Other than this problem I am a good person but unfortunately I have now hit rock bottom. I am getting to the point where I am in debt crisis. My life is going to fall apart and…
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A new identity and a new diary
This is my new diary
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£15,000 to 0
Hi :hello: I have decided to re-join this forum so that I can stay motivated to bust my debt. A bit about me...I work full-time in London which gets me about £1.4k per month. I owe £15,000 exactly on 0% interest. This is £13,500 to bank of ma and pa (started at £15,500 in October), which paid for my postgrad, and £2k of…
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Back again
Hi all I'm an old returner, slashed my debt last time I was here but it's back. I live with my OH who is self employed and work full time. We don't have kids but lots of furry creatures. We both have our own accounts but have a joint one just for bills where we both put £440 a month into. This also covers an additional…
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Time to strap on some big boy pants
As the title says, it's time for me to strap on some big boy pants and deal with my debt once and for all. So dear gentle reader, a bit about myself and how I got where I am. I live with partner and stepson 8, and have 2 daughters 9 & 10 from previous marraige who stay every alternate weekend (and on occasion during week)…
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30k Journey
I am 24yo with £29k of debt. This is spread over a debt consolidation loan of £15,500 and a Barclaycard of £13,500 I could lie and pretend my debt was due to various "high value" items which were essential e.g. rent deposits, not having enough to cover my rent as a student etc, but the reality is my debt is mainly down to…
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Oops I did it again, I played with my cards!
Well I’m back…Back in debt and back being a Debt-Free Wannabe!! I am gutted but need to take some decisive action because at the moment every month we seem to have more going out than is coming in and that is a recipe for financial disaster. I have been here before. 7 years ago (when I was 26 – hence the name) I grabbed…
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Fox's Debt Free Diary
Hi I'm FoxFace (Foxxie or Fox usually) and it's time I get this finance thing under control. We have had a tough few years, followed by a bountiful but frivolous few years. We have more debt than we want, but not more than we can manage (thankfully!). However I want rid, and as I always do when I need to tighten my belt, I…
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Buster Boo and the temple of Debt..
Hello everyone on mse! Long time lurker. First debt free diary! I am a Mum of 3, wife to meat loving hubby, fur Mum to a little pup and kitten. I work full time in London and live in London too. I love all things Disney and my aim is to be debt free asap! I am building up to posting all financial info. It's scary to write…
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I ran away from debt
Hi folks This has been playing in my mind the last year or so. And I don't know who to ask . Approx 10 years ago me and my wife mortgaged an apartment in England worth Over £120k We both had ok jobs and able to afford nice things. However things turned bad and we both lost our jobs and stuggled badly. between all the bills…
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Time to Get a Grip!!
So my last attempt at a diary went horribly wrong. I'm back with a vengeance now though with the aim of finally clearing this awful debt. I just want to live a carefree life and be able to pay for things outright. Tackling everything at once doesn't work for me so I've decided to tackle a few accounts at a time... I…
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Striving to save and stay solvent!
My previous thread felt a bit old hat and I need to start afresh with a bit more positivity, looking forward rather than back, so here goes... Although I'm not in debt anymore (apart from the mortgage), I'm not able to overpay my mortgage until I've worked on the savings pots as I really do have practically no money behind…
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My not so secret diary.
Finally realised last night I can no longer keep my head in the sand. Joined mse credit club last night and nearly keeled over when I saw my credit report... worse than what I thought. I know my debt is relatively small compared to others but this is my debt and even dp doesn't know I have it. (He knows I use my overdraft…
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small steps to home ownership and debt freedom
I seem to be a million miles away from my dream of home ownership and that because I have debt and my credit score is ruined. I am going to diet and budget to eventually buy my own home outright. That wont happen until I am 40. I am 28 now and single mum to two lovely little girls. Step one- No longer apply for credit.…
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Our Five Year Plan to Mortgage and Debt Free Freedom
Good morning, Welcome to my shiny new diary. I have been on these threads a long time and used to have a diary which sadly fell by the wayside. But i think this would be a good time to start another one. Firstly a little bit about our family. Very happily married to a wonderful man for the last 33 years. We have four kids…
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Adventures of the Boy & Me..
Hello. I've decided to start a fresh diary on here as I felt my last one was becoming confusing for myself to read back on and it was becoming a bit of a negative place for me to vent. I hope for this one to be more upbeat and a place I can share all the wonderful things that happen daily and any ways that I am able to…
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My little spending diary
I'm going to keep a spending diary for a while on here as I think it will be useful to see it all written down, and I hope it will help keep me on track! I appreciate this really isn't going to be very interesting reading for anyone, please forgive me for being such a dull old bird! I won't be counting payment of bills or…