-
Spending Overhaul and much more!
I discovered this site a good few years ago and I’ve learnt so much from it by reading other people diaries. Always being a bit shy about posting but you have no idea how it has motivated me to change my ways. I had a good wage but was spending everything I earnt and still using the good auld credit card. Saving was very…
-
It's not all about the debt anymore........
This is not my first debt free diary (last diary was called new diary, new hope) but I have decided to start a new one, mainly because my outlook on life and debt has changed immensely over the past three years and I would like my new diary to reflect the person I am now. A little bit of back ground.......... My marriage…
-
Becoming My Own Best Friend Instead Of My Own Worst Enemy
Hi there everyone! I came across this forum whilst searching for wanting to be debt-free and I have spent a few days browsing other diaries before deciding to sign up and start one myself :) My diary name came about because at the moment I feel like my own worst enemy - I set a budget, I don't stick to it. I clear a credit…
-
Counting Down from £15K
Hello, I've been lurking here for most of this year but never plucked up the courage to post. I had my lightbulb moment in January this year when, saddled with £15K of debts, I got turned down by the bank for a consolidation loan which I had hoped was going to reduce my monthly repayments - which I now realise getting…
-
Where do you begin again, if you don't exist?
It's not a philosophical question, so please bear with me. I'm 48, single, and it's been 4 years since I've worked properly. I worked in investor relations, earned very good money, lived in Central London etc etc. I had a family member become very ill and I left my last job to support them - they've recovered fully thank…
-
Road to debt free life
Hi all. Here I am - 41yo in the middle of my debt free journey. Highest debt 19500£ Jan 2020. ( 1 loan and 2CC) Acquired mainly as consequence of number of IVF treatments and few holidays in between and no proper budgeting. Income is high and secure. Pension sorted. Managed to get loan down to 8015£ as of 08/2020 Loan…
-
The pink and fluffy journey
First time poster, long time reader here! Im inspired by all your journies! I wasnt sure if i needed to do a diary or not, but it seems to be all consuming at the moment so hopefully being able to write it down will help. So a bit about me.... i live with my OH, we were due to get married this year but 3 weeks out we had…
-
Debt Clearing and Deposit Saving.......
Hi everyone Starting a new diary so I can keep track of the debts I need to clear, and my OH and I are attempting to save for a house deposit. Brief details about me, for those that don't know, I'm 39, have been with my fiance for nearly 20 years, and we're only just looking to purchase a house together!! We have lived…
-
Dave Ramsey UK?
I am 20 years old and completely new to the financial world so it is a little daunting jumping straight into it. However, I decided to get control of my finances over lockdown and I discovered Dave Ramsey (for those who don't know he is an American financial expert although he talks about much more than just finances). I…
-
5,000 miles and even more pounds
I'm paying off my debt whilst living abroad. I thought a diary might help me enjoy my achievements! Starting situation (March) * 20k debt on credit cards, on an average APR of 30% * Monthly income of GBP2400 Situation now (August) * 14k on credit card (probably a bit over that), and slight salary increase to 2600 having:…
-
Fiwen takes flight(?)
I had an unpleasant wake-up call recently, in which I realised at the grand old age of 29 I have always been living off the money of others, and that this life-long experience has massively warped my perception of the value of money, and given myself a very undeserved perception of having ‘wealth’. The reality is, there…
-
Student loan should I repay?
So I have worked really hard to be mortgage free and I currently owe £3269 on 0% Credit cards I also owe £2250 on my student loan. I know you are advised not to pay these off but mine has interest on it compared to my 0% cards and it’s small, i am likely to pay it off as I’m just 50, I work in nhs job so fairly secure .…
-
We've all got to start somewhere ...
So nearly 12 years after last using MSE to become accountable with my debts and my spending I'm back and ready to start again. Since then I've got married, had two children and bought a house so it's a new username, new SOA and a new start. SOA isn't 100% accurate yet as I need to chase the details on some of the loans and…
-
From £19k debt and no income to (hopefully) debt free within 2 years
Where to begin? I'm 29... I spend the majority of my 20s in education and living out of my means. I acquired fairly large amounts of credit for someone who had virtually no income in this period. At first it was manageable, swaying between £3-6k and I'd meet repayments mostly due to cushy 0% interest periods on large…
-
Little bit of Wales; living in sunny Surrey
Hello, Thought I would start a dairy again as I have been trying to get debt free since I was 26 and I'm now 30. I am currently living in sunny Surrey but spent most of my life in Wales so the price difference is a shock even though I have lived here just over a year. Myself and my partner moved down here so I could follow…
-
No Zero Days (unless it's zero spending!! 😉)
I've been lurking for a while and thought it would be a good thing to have a diary on DFW! There are lots of changes ahead for us (most imminent is dh working from the office again from tomorrow) and I think it's time that I got my MSE head back on!! ETA - No Zero Days refers to my decision not to have days where I do…
-
Home Goals
Good Evening Ladies, Gentlemen and Others, This is my first time to the forum, so please do bare with me. I have done a lot of thinking and I have decided it is time to open up about my debt issues. At 23 years old, I have probably been in debt since as soon as I could obtain credit at 18. Starting off with a small credit…
-
Diary of a 30 year old's journey through a DMP
Hi Guys. So long story short. I'm a 30 year old married man & extremely happy with my other half. We've been together over 10 years and I couldn't wish for better. Recently we found out we're expecting our first born child (we've been trying for 2 years) ... I was obviously over the moon, and just as my emotions hit their…
-
12 months to be debt free
Hi all After being an extremely long term lurker of these boards iv finally plucked up the courage to start my very own accountability diary. My light bulb beamed brightly about 12 months ago and I made some good progress, til life got in the way AGAIN and I'm now in a worse situation then when I began! I'm a serial…
-
I'm new and on the road
Starting this thread as a way to encourage myself to keep on going, if it's out there for people to read then surely I have to stick to it. Me and my husband have been together 18 years this year, we have 3 children, we've had many financial problems over the years, mostly due to being irresponsible and I'll health, last…