Debt free diaries

Archives for November 2017

Getting prepared for a New Year.
Good afternoon, I have been on and off these threads for a long time and I have gone to start a diary many a times. I am just going to go for it and I am hoping that even if no one reads it, it will help me day by day to keep myself on track. My husband thinks the month before Christmas is a funny time to start really…
Stop filling voids
Hello, I've had a reality check this week, and now I'm creating plans to stop this stupid over spending and apparent shopping addiction I have. Bipolar I was diagnosed with bipolar disorder in 2010 which as anyone with knowledge of it would know, makes you at times spend very erratically. I am not in a chronic amount of…
New life - trying to develop new skills
Okay - so a little but about myself. I retired several years ago and managed to sort out all my debts with my pension lump sum. Through a couple of PPI claims, I paid off the last part of my mortgage and am, technically, debt free. However I will soon be heading into debt again - I clearly have not learnt any budgeting…
Over the hill and drowning
[tt]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 1 car pip hp Monthly Income Details Monthly income after tax................ 1456 Partners monthly income after…
Financial Freedom + Self Care
Hello everyone, I want to pay off my debt and move forward with my life. I am a young woman with no children and I am capable of addressing this, I can change things for the better now. I thought I'd seek support and encouragement here as this whole process can be so stressful. And although a lot of people are in debt, it…
The Money Diet
So, I did have a thread but I've not updated it for a long time and things have now changed somewhat! So, I thought it best to start again. Fresh start, and all that jazz! A little about me: Hi :j I'm Laura :beer: So, my last diary was mainly about saving for my wedding. Whilst we saved a good amount in a year, The diary…
KitKat's Journey to becoming Debt Free
Long time stalker of the forum, finally decided to start sorting my finances out. Hello all. Bit of background - Live with my partner and two girls 5 & 4 months old (eldest from a previous relationship). We both work in a hospital. I'm due to go back to work after my maternity leave on 2nd Jan when I will go up to full…
Starting to see the light
Hi I’m new to this forum, post to the forum occasionally but feel it may help to keep a diary in my final push to be debt free. This year I found my mortgage of £13,500 had 2 years left to run so I changed it to a Sainsbury’s 2.7% interest loan instead as it’s tricky getting a new 2 yr mortgage with good rates. I was…
Let's see how long this lasts...
Hi Everyone! I posted on here a couple of days ago for the very first time because I didn't really know what else to do. I'm 21 years old with 52k of savings and 17k debt. (No, I couldn't tell you how and I have very little to show for it). So, after lots of very helpful advice I've decided that next week when my fixed…
Room for a little one?
Well I am back again. I've been around these boards for a number of years and have made some good friends here. Back last year I finally became debt free and it has been great. We loosened the belts for a bit and enjoyed life a bit more. It's amazing what not having the pressure of debt can do to your outlook. But I've…
Money Saving Mojo 2
Since buying my flat in 2014 I have tried and failed to rebuild some savings and repay a family member's loan. I first had issues with my mental health in 2013, and since then have had a few episodes, which have greatly impacted on my finances. It's a stark difference from my early 20's of saving money and being career…
“Rock bottom became the solid foundation on which I rebuilt my life.”
Back in May this year I decided things had to change. I turned to here and received an amazing amount of help and advice. Here I am making a fresh start. Debt 09/05/2017 Council Tax £2092.71 Court Fine £1250 Court Fine £200 Person 1 £1000 Person 2 £1000 Person 3 £1379 Person 4 £427 Debt Total £7348.71 Rent Arrears £3381.28…
Debt Free Mortgage Free But Still Struggling
I have been debt free and Mortgage free for just over a year all paid by an inheritance and therein, I think, lies the problem. I didn't pay it myself and now I am struggling again.:o Background is I have been in debt since I was about twenty and I now, three children and two marriages later, I am in my mid fifties. It all…
Going onto a DPP....4 and a half years to go...
Deleted post change in circ.
Stretched and Stressed - Starting Again!
This might be the... 3rd diary I've had? I've been around the board for a while, what can I say. Had some great times with money, had some very bad times with money, and sadly now is one of the very very bad times. The current situation is -* Living in a flat on my own, in a Northern university town, finishing off my MSc…
Time to clear the debts
Good afternoon everyone, So, today, me and my sister(midgetgem82) decided it was time to get our butts in to action with clearing our debts. I have recently been made redundant and am going through the initial application for universal credit so Im unsure of what help i will get, in the mean time the job hunt continues…
Time to take control
Hello everyone I know to some my debt may seem small but to me i feel like im drowning and its time to take control and do something about it. This morning i have written down all my debts for the first time and have come on here for help and hoping that by doing this i will follow through and hold myself accountable. I…
A change of heart/Mind
I don't really have any debts but fear that my spending habits and mind-sets that I have will lead me into debt one day. I've had a serious close call to not being able to afford food or basic stuff last month when I overspent by a huge amount and was at one point -£60.00 in my account. I've had enough scares similar to…
Debt free dream
Hello! We're a family of four, 2 adults, a 2.5 year old and a 2 month old. We also have 4 cats and a fish! Me and my partner are in our early twenties and we are getting married in March 2018. I'm normally the one who controls the money (and was quite good at it!) but I've struggled with my mental health recently and have…
Sunflower's sorting her s**t out!
Hello everyone - have been a long-time lurker on these forums and have been inspired to start my own diary to try and progress the paying off of our debts. Current situation: I'm 28 and have just purchased my first house with my American husband (visa costs for the win!). We have a combined income of £2830 and our…

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Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
Broadband and mobile firms should be banned from hitting their customers with unpredictable mid-contract price hikes, consumer group Which? and charity Citizens Advice have said.
Martin Lewis: Do you have a Power of Attorney? It’s crucial protection – not just for the elderly – and more important than a will
Do you have a Power of Attorney? MoneySavingExpert.com founder Martin Lewis explains how this crucial protection works, why it's more important than a will, and how to get one in the latest episode of ITV's The Martin Lewis Money Show Live.
Second cost of living payment paid to millions – here's who qualifies and what to do if you haven't got yours
More than eight million households on certain benefits and Tax Credits have now received the second third of their £900 cost of living payment.
50+ beauty dupes for big brands including Elemis, Charlotte Tilbury, and Fenty
At MSE, we’ve challenged you to ‘downshift’ your grocery shop for years (check our Downshifting Guide ), but you can also save on make-up and beauty products by downshifting from brands to much cheaper ‘dupes’ – lookalike products, where often even the packaging is similar to the expensive brand.

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