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Attempt what seems to be 6778676786
I seem to have this really weird relationship with getting debt free - I'm either on the wagon and busting my debt like no ones business or not only do I fall off the wagon, but I send fire to it and shoot all the witnesses meaning I run the debt back up. *deep breath* so here we go - again - and I know what your going to…
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Ignored debts, ready to pay
Morning everyone. New poster looking for some advice. During my mid/late 20's I ran up various debts with 3 bank credit cards, student overdrafts on 2 High Street banks and a few pay day lenders. As they became unmanageable. I did start to repay some of the debts through informal agreements after the debts no longer…
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I can finally see the light at the end of the tunnel...
Hi all, I am here, finally at a point of seeing some debt free freedom! I have been working on a spreadsheet for most of the day, given myself a headache and bitten down most nails... BUT it has been worth it. My finalised total of debt is £7,833.47. I am aiming for this to be gone by November 2021. I have my expenses laid…
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Twelve Months To Turn It Around?
OK, so here
goes! I think my lightbulb has been steadily flickering for a few months now. I
really want to buy my own home after renting for years. However, a couple of
things have happened which I hope mean I’ve truly had my LBM. Firstly, when
I’ve looking into applying for a mortgage, despite the fact I have access to…
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Debt Free by December 2021
Hi, Long time lurker and long time debt buster. Husband and I have been paying down our debt for almost 3 years now. Started following Dave Ramsey about a year ago and we're currently just over half way through BS2. Debt at it's highest was over £13,000. We have 2 children (dinosaur 1 and 2) who are our 'why'. Husband…
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Determined and a little ashamed
So i have taken the plunge and decided to start a diary on here in the hope that it will keep me on tract and have the support of others doing the same thing. My story is probably familiar me and my husband managed to get debt free years ago after getting into serious debt and having to consolidate everything and get it…
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Burnt out and broke
So after months years in an downward cycle of shuffling increasing balances around 0% offers and several weeks reading through DFW, diary threads and the DMP support thread, I've bitten the bullet and cancelled all my direct debits to my credit cards, written to my creditors and approached SC to set up a debt management…
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£22248
I’m new around here and just wanted to say hi as I’m hoping to stick around for a while! I have £22248 of debt, mostly from taking on my husbands debt with a little bit of my own added in. I think I’ve finally got my husband to see sense and he is on board for dealing with this seriously now. He does have a smaller amount…
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Debt Free Forever
Technically we're not in debt - we do use credit cards but pay them off in full each month - but we want to stay that way, having been in debt in the past. I couldn't access my old user name (and wasn't very good at keeping my diary going anyway), so I thought that this was a good excuse for a fresh start. Our finances…
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Climbing Out Of This £45,000 debt
So much debt! I am hoping this is as bad as it gets. It's
time for me to sort this mess out. My finances have
completely spiralled out of control over the past few years (especially in the last
12 months) and as I sit here today, I owe a staggering £45,362.67, mostly on
credit cards. In order of highest to lowest interest…
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Starting All Over Again
I have spent many years getting myself into debt, paying it off and then doing it all over again. We were okay until i stayed on maternity leave a couple of years ago and thought oh well we have credit cards we can use. Big mistake! Since then we have had the debt but it has been manageable until I realised some of my 0%…
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My debt free diary (and first post)
Hi all,I joined this forum a couple of years ago but never posted for whatever reason. Today as I've started paying off some debts, I thought I'd use this as an opportunity to hold myself accountable to paying off some debts. I don't think I'm in the worst position, in fact I'm in a pretty good place despite having some…
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Moved: My life is in tatters. I'm in £50k debt. Help!
This discussion has been moved.
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Debt free wife, happy life
I have been lingering about on this forum for months and it has been invaluable for ideas on how to save money, but now I need to put the theories in to practice! Having been inspired by the other diaries on here I have decided to keep track of my goals and progress in my own diary. I have frittered money away on clothes,…
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Flip Flop Flo is fighting to be fancy free
I'm trying to get debt free and build an emergency fund and house deposit. At current levels I am looking December '21 until I am debt free. I started out at £25k and am currently have around £8k. My husband works for the local authority but it's on a contract basis, though he started 3 years ago on a 6 month contract and…
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Old debt
Hello, does anyone have any advice for me please? I took out a loan with Barclays eight years ago when I was having mental health problems. I managed to negotiate just paying a pound a month so obviously the debt is the same now. I have written to them several times making offers of full and final settlement (less than the…
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I paid a discounted debt. Now they say it was a mistake and they want more.
OK The short version is. I had a CCJ against me. I was offered a discount if i paid in full but i was unable to do so and i was paying an agreed amount of £10 a month to Lowell. Recently i asked if the discounted offer still stood as i was now able to pay a lump sum. They offered me 50% off the amount still outstanding. I…
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Some advice please!
So, we're in a stupid amount of debt. Again. The difference is that this time I've had my LBM and I desperately want to be debt-free. While we are extraordinarily lucky to both still be employed with little risk of redundancy I know how vulnerable the debt makes us. If my husband (who is the bigger earner by a long short)…
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The First Day of the Rest of My Life.......
Well here we go, time to drag my head out the sand and start taking control of my life. I’m hurtling rapidly towards the big 4-0 and up to now have been coasting and going with the flow, a passenger in my own life. Procrastination is the thief of time and it’s time I did something about it. I’ve been in varying amounts of…
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The thriftyish way to debt freedom
Hello We are a family of six (myself, husband, 10yo,9yo,7yo,5yo) living on DH's income at the moment. We went through a tough financial patch around 10 years ago and managed to clear all our debt, and then started paying down our mortgage - we had a mission to be mortgage-free before we were 40. Then we somehow got a…