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Debt free diaries

Archives for May 2019

Keeping on the Straight and Narrow...
Well here goes, my first diary...After being an avid lurker both here and on the MFW boards over the years I have been amazed and inspired by the success of many individuals and the support of other forum members so hoping to do the same. So why am I here? In the 6 years since DH and I bought our home we have undergone…
Repaying my (old) life away!!
After being a long-time lurker I have decided to bite the bullet and start my own thread.:j:j I am a 28yo Mother of 2 boys, I am roughly in about 8K of debt (cc and bank of mum) I earn a decent wage, have spread sheets coming out my ears for monthly expenses (bills etc.,) but its what's left over that seems to vanish. My…
Help with full and final payment pleeeaase
Hi guys, I'm after some help and guidence with a full and final payment offer. The debt is from a Halifax credit card back in 2005 (I think) of £1900. Since then it has gone from collection agency to collection agency and in between I got some debt management and started to pay £1 a month. Through one thing or another this…
Its a new Me! Wannabe Debt free ... and get a Mortgage!
So, yes, its a new dawn, its a new life, its a new day for meeee... Me and OH have finally almost reached debt-free. I hope its alright for me to linger on this forum, its just so friendly and supportive. Mr OH has a personal loan which he took out to buy a vehicle (needed for his business) £8.5k for 3.3%. And I've £3k…
Coffee in hand and ready to save, save, save!!!
Love a hangover, spend free bank holiday!! OK, so I've said several times how I've let things slip slightly (just not keeping the closest eye on money and where its going!) I desperately wanted to go out yesterday, but the weather wasn't great, which would mean more taxis at more cost and probably me spending a fortune!! I…
CCJ query
Hi there, I'm trying to get a ccj removed from my credit file and need some guidance. I had a ccj against me in 2017 which was paid within one week. However, due to a couple of reasons, I applied for the certificate of satisfaction after the 30 day period to have it removed from my credit file completely. My query is that…
New challenges for OrangeFairy 😝
Hi all, I haven’t been on MSE for a while but it has really helped me in the past. We cleared all out debt to save for a house- we have achieved that goal but now have a bit of debt due to the house move and purchases. It isn’t unmanageable but hoping to concentrate on it over the next few months- it will be harder this…
Gap is Back - Time to Knuckle Down
It’s been about 20ish months since my last diary although it feels a lot longer. My financial situation has changed somewhat (for the worse) since then and I really need to get on track. My previous diaries helped immensely so I’m hoping to get back into that routine again. Quick update: I had some health problems around…
Statute barred debt claim by Dryden fair fax help
Hi My wife had a debt with m&s in 2010 which is statute barred now Dryden on behalf of arrow want to pursue a claim. They claim to have been assigned it in 2014 but we have had no contact with them. We made a ppi claim to m&s and believe they've contacted arrow who've sent us a letter of claim in accordance with pre action…
Milocat's Long Road Home..
Well I have to say I never thought I'd be back here. It's been 4 years and I've just re-read my old threads and basically want to kick myself repeatedly. The amount of excuses I made, all while professing how "on top" of things I was is baffling to me. The only good thing I've managed to do in the last four years debt…
Munchin's moseying out of debt diary....again
Afternoon :wave: I've decided to start a new diary because I just wanted a clean slate and I aim to be debt free by December 2020 if not before. A little bit about myself - I'm single after the end of a very long term relationship but I'm a happier person now. I kept custody of the furbaby (dog) and now live at home with…
Learning to enjoy life within my means
Hi everyone:j I’ve been reading these boards for a while, but just can’t seem to put anything I’ve learnt into practice! So hoping that having somewhere to write it all down will help keep me on track. I’m in my early twenties and live in a private rented flat with my partner and our toddler. We’re on a pretty low income…
Debt free (wannabe) Mumma
Hi all, I’ve come to get support while I make the change. After quite a long time kidding myself my husband was bad with money it struck me recently I am equally to blame. If we pay off our debt at the rate we are, we will be settled by March 2024 and will have paid including interest between today and then= £33,544. We…
Feeling stressed
Ugh! I've done so well with saving and having a nice buffer, but anything that could of gone wrong has gone wrong these last couple of weeks. Which has severly eaten up my emergency fund! I'm cross with myself that I booked a holiday (even though I had plenty of EF left over at the time) Anyway, through Everything deciding…
First time Mum's debt journey
So, this is far from my first diary on here, but so much has changed since I last posted I thought I might as well start a new diary alongside this new chapter in my life! I'm due my first child in early October and I'm determined to pay off all my debt and save for a house before this baby will start school so we can be…
I want to break free....
I have finally decided to self manage my DMP as I'm hacked off with the DMC; they are the reason I have a CCJ. My debts are from around 2013/4, smost of the defaults were prior to this, when life completely spiralled and my marriage went belly up. I have several defaults and the CCJ. My history is starting to clean up as…
Pre-30 Shaping Up
Literally pre-30, I turn 29 in a few days. Late to the party but have decided that this is the month to make a proper start shaping up, financially and physically haha. Better late than never I guess. Brief timeline:* Sep 17': Moved to UK (Southwest area) for 1-year full time MSc with £3,000 partial scholarship deducted…
please any help out there
]hi I've received a letter from hm courts and tribunals service final notice stating that I have 24hrs to pay a debt of £179 to the court the debt belongs to Lowell portfolio also on the letter it stats that if in the 24hr period I don't make a payment the enforcement officer will reattend with porters and auctioneers to…
The Delay Connoisseur
Hi, Starting my diary today - expecting it to be a place to brain dump whilst I try to sort my life out. Over the past year I have been diagnosed with several mental and physical disorders. I've had to stop work, get my head around being disabled, and start rebuilding my life in a way I can manage. Work, even part time, is…
Trying again...
I had a diary on here before but I'm desperate for a fresh start. I managed to clear almost all of my debt and looking at the progress I had made is making me feel really guilty because now, a year on from being so close to debt freedom, I'm back to square one. £13,421.77 to be exact. How did I let things get back to here?…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt free diaries

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