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Fresh start number two....my journey
Back when I was 21 I got myself in to £14k of debt. I buried my head in the sand for a while, racked up a few defaults on my credit file and messed things up for a while. I kidded myself in to believing I was 'doing everything I could' paying things off, making minimum payments while spending £100 a month on guitar lessons…
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606 Days
I worked out that it's 606 days to Brexit, and I'm determined by then to have cleared all credit card debt. My balance as of today is £5015.81, and I have just under 20 months now to pay this off. I know how I acquired the debt, it was due to a period of under-employment (taking any job I could get rather than a well-paid…
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Lemon tree and the lemon clan
So a short introduction. I'm LT. Longer introduction: I joined mse over 10 years ago with £43k non mortgage debt which I cleared by early 2012. Unfortunately I don't think i put my name down in the Roll of Honour. During the time I was following the DFW road i met and married Mr LT and just before getting debt free we…
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<<<out of cheese error>>>
New name, new diary, new approach! I regularly read, and sometimes post, on the diaries of others but haven't started one myself as it is such a public thing to do. Anyway I need to stop drifting and get our finances back on track before we run out of cheese. Family is: Me - PT, self employed, bit of this bit of that.…
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Operation holiday 2018!
Hi all :) . I'm starting this diary as the title says to save for a holiday in 2018! We have just been lucky enough to come back from one and it was so lovely i can't wait to book another! I'm 8 years in to money saving so know my stuff really this diary is just to keep me wasting money!!:eek: I will change £40 a month…
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Shrinking The Debt.....
So I've been compelled to start a diary for a while. Today is pay day so what better time than now to start one. I have been playing with my debts for a little while now. Don't get me wrong, I have paid a few off but in the process have also added to them so not actually reducing the total balance at all. Infact, it has…
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University Challenge x 2
Hi everyone, you all seem such a friendly bunch and I've been reading some of your diaries for a long time. I thought it was time I joined in and added my own diary for some help and encouragement. My name is quite boring but I haven't got a very creative mind today so may think of something better at a later date. So my…
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Mrs S, family life and debt
This is my 4th diary. I'll link the others in case anyone has absolutely nothing to do and fancies a read! Diary 1: MrsS is getting serious https://forums.moneysavingexpert.com/discussion/5045594 Diary 2: Debt free before 35 https://forums.moneysavingexpert.com/discussion/5286098 Diary 3: A pound stretching maternity…
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The Cutting Down / Giving Up Booze Thread (Part 14)
Welcome. Here we are again, time for a new thread, new starts and new challenges. Let's take a trip down memory lane and remind ourselves of In Search Of Me's (ISOM) original post in Part 1: 24th February 2008 Quote: In Search Of Me "There are a few of us who want to give up/cut down & I thought it would be good to widen…
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Setting myself a long overdue challenge!
Hello, like many others, I have been reading these forum pages for years without posting myself. I have been on a DMP since 2012 and have paid off £18,000 of an initial balance of just short of £39,000. Debts were accrued during my marriage and in the years following its demise! I have managed my payments fairly painlessly…
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Running around in circles again
Sigh. Long time forumite back after a long, long time. It's funny really - I do so well when I check into the forums every day, check my bank balance, reconcile with YNAB every day...then I stop. And the debt piles on. And I feel a bit ill just looking at it.So I stop. And live in a beautiful La-La Land of crafty shopping…
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£46,000 possibly more debt I want it gone..
Hi all, so its gone on too long, ever since i was in my teenage years and i could get debt i've had debt, I've struggled with depression and although I probably can afford debt its growing and I really want to get rid. I can't tell you exactly how much debt i have but in short I have one bank loan currently sitting at…
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Buffy Keeps on the Straight and Narrow
Hello, I used to post here loads and loads, I have been debt free since 2011 but I am due dental work (yes finally!) and need glasses and work done on the car, the house and the garden so am going to do a 0% balance transfer if I can time everything right and then work very hard on paying it off. I do have some savings but…
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Learning to say no..
Been around a while, watching many a debt free journey from the wings, taking advice and inspiration but never posted. As tomorrow i will be yet another year older and only 2 years from a big mile stone, I think now is the time to give myself a kick up the a** and get to the finish line. me - working forty something mum,…
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Moving on to better things
I've lurked on this forum for a long time but I'm now trying to apply some of the things I've been reading about to my own life. I'm 40, I'm supposed to be a grown-up, it's depressing. I'm posting this right now because I've taken 3 days off work (day 1 was a write off but today I am determined) to try and sort things out…
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This Time Next Year Rodders...
New diary for a relative newbie/stalker. Today i was very brave & started my journey, i now it will get worse before it gets better but that's the reference to the title. Ive spent a LONG TIME thinking this will happen... if i could... what if... how about.... lets try.... expecting everything to come good one day (or this…
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Not in control
Hi, Coming back after a few years out. I would do a SOA, but the bills, food and mortgage expenses are paid by my wife - I pay a contribution. What would the best way be to start? thanks! EDIT: I have 2 credit cards and 1 personal loan and I want to be debt free, using my money instead of money I don't have!
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So much debt :-(
Hi I'm a newbie here. Been reading some of the diaries and it's got me motivated to do one myself. I just hope it'll kick me into doing something about all my debt. I need to do a proper calculation to see how much I'm in but I know it's over the £10,000 mark :-( I work full time but that doesn't stop me from overspending!…
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Desperately seeking freedom :)
I have been in debt all my adult life :o I have been on here before in 2010 and reduced my debt significantly by PPI claims and stopping spending. I am now 52 years old and I'm in a bit of a mess financially. I am completely useless with money. I have one loan and three credit cards and overdraft. Our mortgage will be paid…
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Can't keep burying my head in the sand!
I never thought I'd find myself in here but the last few years I've been passing about around £10k of debt between 0% cards and making no progress. Fast forward to Christmas and we ended up doing some work to our house turned out to be a bigger job than expected. Then we had lots and lots of car trouble. So I finally added…
