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Going to be Debt Free By 50 (5years)
I've currently got around £9500.00 across 4 credit cards, and while I'm not especially struggling to meet the payments, I'm fed up of them taking up most of my spare cash each month, so its time to take action. My current payments are reducing my debt by about £130 a month after interest, and I worked out that if I could…
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Still onwards and downwards!
:wave: I’m back after my previous diary was deleted :( I’m hoping I can recover my declutter lists and my SOA (as well as the rest!). A lovely fellow MSE’r has given me some advice about how to do it, so thank you :beer: Anyway, there’s me, DH, DS and DD. My debts are all mine and I deal with them myself. They have built…
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I will be debt free!!
Today I started my debt free journey. It was scary as hell opening those letters but now I feel like I can make plans to shift it all asap. Ive had failed attempts at a DMP and rejected for an IVA which led me to MSE. The information I have found here has been invaluable. I have decided my strategy is to cut my spending in…
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My 4 years and 11 months plan ...
So, following the deletion of "My 5 Year Plan" I have made a new thread. Hopefully this one will survive. Here's the basics: Year 1 - Pay tax bill, clear credit card 1, pay off loan. Pay Insurances in full instead of monthly. Cancel 3 Vodafone contracts. Year 2 - Pay off my HP for the car. Year 3 - Clear credit card and…
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My life in debt
Here’s the thing – I’m 44 and I’ve been in debt my whole adult life. After my parents split up when I was 10 my mum had very little money. To this day I still hate tinned meatballs and cheap sausages. Anyway I went to uni and suddenly had financial independence, well a student loan and overdraft but it was money available…
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"Rock bottom became the solid foundation on which i rebuilt my life" Take Two...
Hello again :cool: Third time lucky maybe? Who knows. I am still very much sulking. I won't do the huge opening post, I'm sure by now you all know who I am and what debt's have been and whats been done. Those who don't well its long and boring really :rotfl: For new readers. There's Me, DS (8), DD (6) and youngest DD (3)…
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New Journey 2
Here I am with diary No 2 after the first was deleted. I am determined to be debt free by Christmas 2019 and am going to do everything to make this happen. I will then be 57 and plan to spend the 3 years after saving as much as I can so that at 60 when my first pension becomes available I may be able to go part time in my…
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Abba1772's Debt Free Diary - won't be beaten
Well what an eventful evening :rotfl: The trolls struck about 6pm on Monday 29th January cause they had nothing better with their time :mad: and yes my diary of 8 years was caught up in the commotion and and I'm very angry about this especially as MSE refuse to reinstate my original diary so here it I sent my shiny new…
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Debt busting misssion ..
Hi guys So I have been trying to make a decent dint in my debts for a little while but I really need to knuckle down and make those dints a whacking big hole :D So I have some cc debt a loan and my mortgage, I'm focusing on the cc debt at the minute it's on a 0% offer but that ends in October I am hoping to move any…
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Tessiesmummy pre mortgage debt clearout
Hi!! I'm starting the diary in the hope of getting a mortgage sometime in the next 12-18 months! After reading many threads in here I've decided my best option is to clear my debts / old defaults prior to applying for a mortgage. I've done myself a little spreadsheet and am hoping to pay off £50+ weekly to clear it all by…
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£43,800
Well the start of a new diary. I have had plenty of light bulb moments in the past and attempts to get back to being debt free - somewhere I was last at about 35 years ago when I was 17. Anyway back to business. My total debt is around £44,000 and is made up of 6 credit cards and one loan. I also have a mortgage, and that…
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Making The Changes and Sticking to it!
Hi, Ive been a lurker on here for a while but have decided that I want to document our journey to allow us to look back on it! We are a family of 4 and due my OH working away for periods of time I became a SAHM to our children ( 4 & 7). Over the last 10 years debt has run up due to bad budgeting, essential home repairs,…
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Prosperous soul in the making
So a little about me... I have been on the forums before but have had a gap for a number of years. Unfortunately I have a serial debt habit and at times have cleared debt only to restart. Debt excluding mortgage £46554. :eek: This does include two car loans which between them account for about £26835 of this. This leaves…
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Debt free Munchin!! Now to stay that way.....
Hi all, [STRIKE]After a few bumps along the road I finally became debt free on 29 January 2018 :j. [/STRIKE] [STRIKE]I paid off about £26,000 in my last 3 diaries over the course of 10 years. I started my first diary to clear 1 lot of debt and then once it was gone...I took on more debt :o . So the purpose of this new…
