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Debt free diaries

Archives for October 2020

Reel around the fountain
I’m not one for grand entrances so I’ll just slip in quietly and see how it goes. I had a previous diary and toyed with resurrecting it, but decided to start afresh. I’ll try to put on a link but to save you the trouble of reading, here’s a potted history of how I got here. Early 2013 – hit lowest point with debts of…
25 year old with autism debt diary
It's time to take responsibility?! Hi everyone, I have been reading some of your diaries and am so inspired and in awe of you all and your commitment to solve your debt. My debt isn't very large, (couple of thousand on credit card or so and thousands to parents), but it's big enough for me to worry about as I don't work…
1111
Removed
Designing my new life
I have often thought about starting a diary on here but always chickened out. However having recently started a running training journal around 4 months ago I have been surprised at how much more accountable it has made me, so figured the same principle would hopefully apply. A bit of background I am married with 2 adult…
Slow progress but the journey continues...........
So here I am back again after 2 years away from MSE - lost access to old user name so a new shiny username deserves a new shiny diary. I first started coming on MSE about 10 years ago would make some progress stop posting for a while and come back with the debt even bigger than before. At the last light bulb moment…
Fear of Spiralling Debt
Hi, First ever post on here - although mine and my husbands debt may seem small in comparison to others, due to my parents always having been in serious debt I have a fear of being in that situation!! Bit of background. Both are fortunate to have secure full time employment that has not been impacted by the pandemic and…
Building towards a complete life overhaul....might take a while but determined to do it
Well, after a couple of years away I’m coming back into the fold. Much has happened including being happily single, a puppy that is now an adolescent bonkers little boy, lockdown and all that it entails and ageing but, thankfully, healthy parents. The big issue is that I now can’t stand my job. I’m a senior leader in a…
You'd think I'd have learnt by now
Easy credit is the route of all evil for me... This time its paypal credit. Plus I have large loan on my large caravan and another for my solar panels I'll need to contact the loan companies for the amounts left but I pay 275 a month for my caravan and 160 a month for the solar panels. My paypal credit is around 950. But…
Light at the end of the tunnel
I just worked out I have £76,486.69 so I’ve decided to start my own debt free diary and I will be doing everything I can to resolve this. Felt so damn awful about this for so long and it is time I take action. It’s like I woke up and said this isn’t God damn good enough anymore. This doesn’t work for me. This ain’t gonna…
Claiming back my life after trauma
Well, I've been meaning to start a diary for some time. I've been a long time lurker but have set up a new account to maintain my privacy following the worst year of my life. I have goals in mind both financial and personal for 2021, wanting to hold myself accountable and move on our recovery for myself and 7 year old son.…
Wow wee oh my - trying to hack away at my £54k debt (was even about to book a holiday)
Edited - thanks so much to enthusiasticsaver for your message. Reposting this as had to amend username and some info. Hello and thanks in advance for any help you are available to offer .... Wow where to start?! I am almost embarrassed to share my story but I am a 40 year old lawyer (so bankruptcy and other debt…
Getting back on track very soon
Thought it was time I started a diary, mainly to work out how to get through the next month before I can get back on track and start to reduce my debts again . I currently have £12,000 on credit cards most of which was built up when I was with my ex, mainly doing the house up and living a life beyond our means. When we…
Getting it together
Hello, So I've been having a read through some diaries on here and on the MFW board, and they've really motivated me to get my finances under control. I've got a small family of three, and I'd really like to buy a house in a nice area and be financially sound by the time DS is in highschool (about 6 years away). I'm…
The first glimpses of light at the end of CC Debt Tunnel
My debt today is down to £17.8k thanks to additional funds returned from an aborted motorcycle ride to Malaga, and some servicing plan costs from returned from my motorcycle dealer. Projecting forward, I'm estimating Jul-21 as my last credit card payment - that about 9 months away and it'll be a big fat card cutting party…
Taking back control of my finances
Hi Everyone, I wanted to come on and start a debt free diary, and take some control over my finances rather than the other way around. I work in Finance and although I earn well, I also spend it very well too. I'm fantastic with preparing and analysing budgets, sticking to my own however is a completely different story. My…
Gambling nearly broke me(and my finances)
I’ve suffered with gambling addiction for years with long periods of not gambling at all and equally long periods of gambling a lot! Early 2018 I had a particularly bad binge and clocked up extra £30k debt almost overnight, when I received my credit card statements the following month I sobbed! It was the most awful…
making me happy
Hi, I'm not in debt any more, but I'm living with the consequences of having been rubbish with money all my life, so I feel that this board is the place for me. I want to focus on making some major changes in my life and for that I need money! So I'm hoping to use this diary to keep me on track.
Gambling Recovery and COVID job loss
I've posted in a separate forum but thought it was a good idea to start a diary as my debts over the last month have racked up considerably. I lost my job due to COVID, lost my sense of purpose, and started gambling heavily. Over the course of the last 2 weeks I've lost £12,500 gambling and this has forced me to take out…
Winter is coming
Hi guys The time has come to batten down the hatches, get rid of the debt that has built up due to being on lockdown ( OH is self employed so money was tight) and renovations we did last year. Works already cutting down on hours allowed and the new scheme will be no use whatsoever to me, no boss is going to pay a third of…
A new outlook.
Hello everyone! I've decided to start a new diary for the last slog of my debt free journey. I've had diaries on here before and reading back through them I can see what a neagtive mindset I had around money and how to deal with it. When I started this journey in 2017/8 my total debt was: £15941.42 My current debt total…

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Debt free diaries

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