-
Taking my finances seriously- about time!
Hi everyone, I felt very reluctant to start a diary on here; my life just isn't that interesting!! I have been lurking on the DFW boards for a long time now, picking up lots of hints and tips which has enabled me to set a proper budget for the first time ever I have fairly recently, around 6 weeks or so, started taking my…
-
My lightbulb moment was June 2019
This is my diary and accountability. I will basically just copy and paste the entries from my external blog if that's ok, I have one week of back log and then I'll just update both as I go :D -The who and the why- Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of…
-
Admitting there is a problem
-
Advice on Parent taking out Personal loan and implications?
Hello all I am in the position where I have had to approach a parent to help me with some debt consolidation. The family member would be looking to take out a loan of £25,000 to pay off my creditors directly, we then have a monthly payment plan agreed between us to repay what they have borrowed over 5 years. The reason I…
-
Time To Try Again
-deleted by poster-
-
You’ve got to start somewhere!
I’ve decided to start this diary today because it’s payday tomorrow and it seems a good time to start a new budget! I’m a single mum to a gorgeous 3 year old, I work 3 days a week (soon to be 4 days) and do extra random shifts in a restaurant. I’ve recently moved in with my parents thus massively reducing my outgoings! It…
-
N245 help
Hi there, Could someone please help me. I am about to file form N245 to reduce monthly payments to CCJ. The debt has been transfer from Employment Tribiunal. In the section income I have declared my salary, Universal Credit and Child benefit. Shall I put my daughter's maintenance there as well? It's very unclear on the…
-
Mobile phone debt
Hi not sure I’m in the right place but looking for any advice really, my mum was paying my phone bill and my contract ran out Oct 2017 so she cancelled the direct debit etc. In Jan 2019 she had a letter from Lowell portfolio stating she had a £39 debt for this old mobile phone so I quickly paid it off because she’s upset…
-
Lantern text messages but no debt?
Hi, I’m not sure if this is the right place to post. However I need some advice. Since April I’ve been receiving text messages from ‘Lantern’ first asking me to access my Lantern account (I’ve never owned one or even heard of Lantern) or call them using a reference number. I ignored it. I received a second text two days…
-
Splishsplash’s diary
Hi all I’ve been reading other diaries for inspiration for a while and thought I’d start my own as a way to motivate myself and pick up tips hopefully! About me: debt wise I’ve got three loans which total just under 13k. I’ve worked out using a snowball calculator that if I overpay by 200/month in the correct order I can…
-
Clean slate
Hello diary land. I am a thirty-something stay at home single mum. Also, long time reader of this particular part of the forum. I am not in debt at the minute, but feel my money is getting away from me. I think I would benefit from somewhere to log my thoughts and keep myself accountable. This seems like just the place!
-
81 weeks to debt freedom
For a while I've struggled a lot with my mental health, I have gotten help for this and I now feel in a position where I can start to make my life a lot better. There are many areas of my life I have neglected and I want to get myself back on track. I have made a new diary as a fresh start. The highest our debt has been is…
-
I'm debt free!
Hi everyone, it wasn't much of a diary as I cancelled my broadband to keep costs down which meant I couldn't log in. So I now have to let everyone know, a) because I'm pleased with myself and b) because I'm hoping to inspire others, that I am now debt free. :D I was credit card debt free on 30/05/18 (had started with about…
-
Why is spending money so easy......
BUT paying it back so hard??!! I've always had some sort of debt and it's been up and down all of my adult life. Its gradually been going up the last couple of years and I put it down to poor budgeting and lavish overspending on holidays etc and foolishly thinking consolidation works! My total debt figure stands at…
-
The Final Few Months of Debt
Hello, this is my first post in this forum so please be kind. I just wanted to share a little bit of my story in the hope it might resonate with one or two people in the same position I was. I'm a single 35 year old male who's been in debt for most of my adult life. There was a brief period around seven or eight years ago…
-
Starting to control my finances
Hi all, Thanks in advance for any help you can give me. Was very enlightening creating my statement of affairs. I’ve made many changes over the past 6 months to gain tighter control over my finances, but after reading this website these past few days and seeing what everyone else has contributed and how they’ve changed…
-
Living in the black
Having lived with quite terrifying amounts of debt for many years, we were fortunate to have been able to pay off almost all of it last year following the sale of a property. Remaining is about £5k on a 0% credit card, and £3.5k on another credit card which is paid off in full every month. We also recently bought a house…
-
Sorting out my life before the BIG 50
So I found out this morning that I have been offered the job I interviewed for last week. That should mean that I am :j as I will only have been unemployed for 1 day, however there is a huge difference in the salary (which I knew) so now I need to get myself together and work out what the future looks like. So here's a…
-
Here we go again
We are virtually debt free but the purse is going to have to be padlocked, I need to build up a decent emergency pot pretty quickly. My OH is 86 and in poor health, should anything happen to him I would have to pay full rent and council tax until my financial situation is sorted out. Funeral plans in place for both of us,…
-
People keep on learnin’
Wow, here we go. Hi folks, and welcome to my diary. I am principally keeping this log as a testament of my recovery from a life of serial debt, lies and dishonesty. It may well prove to be educational, entertaining and useful for others if so, so much the better. I should note that a diary is an entirely alien concept to…