Debt free diaries

Archives for June 2021

Give me some motivation! Feeling embarrassed and down about debt!
Posting here to finally face the music. My lightbulb moment has been having my baby girl. We borrowed money on credit cards and overdrafts to do up our home, and I’ve since had 6 months of crippling maternity pay. I’m losing sleep now over our debt. We’re able to make the payments on all our debts, and we’re going to start…
Life is not a rehearsal- time to take back control........
The title of my diary pretty much sums things up for me at the moment. I recently turned 40 and with it came the realisation that this is it! There’s no dress rehearsal - I need to stop putting life on hold until debts are paid off, until my son is older, until I have more time etc. I need to start trying to live my best…
Time to sort this mess out
Well, hello. Things have gone tits up (excuse the language) in the finance department over the last year or two and I have, helpfully, buried my head in the sand about it all. I've been in debt most of my adult life, but a few years ago managed to clear 6k (accrued while at uni and working in a call centre) and finally…
Hazelnutty's recover and rebuild plan for a happier, simpler life!
Hi all! Just before lockdown, I moved with my OH and DD to a new city and a fresh start - partly to be close to an amazing hospital which OH needs for a lifelong condition, partly as DD's Dad lives there so it brings the family closer and partly to be a more diverse, interesting place with more going on. We've had a rough…
Debt consolidation
Hi everyone I am on the final stretch of paying off all my debt. Myself and my wife have 3 credit cards between us that total £15'000. All have cards have recently been transferred to 0% interest. Payments total £250 per month across the 3 cards. My question is would I be better off getting a loan to clear all 3 balances…
100 eyes on Me
My wife and I are bad at not spending money. We do save but fairly unintentionally and as a bi-product of my income. We both want to live a more "fulfilling" life. I want this diary to keep track of our spending and hopefully keep me in check on achieving some kind of early retirement goal. I hope some people can help us…
Help please
Any idea why I can see any replies?
I believe in Miracles - so I will cast a spell
My spell is that in 6 months everything will be different - the same, but different. I drove through Cambridge today and I just thought - I would love to live there. It doesent have to be cambridge, but I love the trees and the bicycles, the parks and all of the people out. I am not unhappy, but I am not proud of my job,…
Time to stop being frivolous!
I'm biting the bullet and starting a diary! If anything I'm hoping it'll help me think a bit more about avoiding frivolous spending and remind me to get better at keeping the cards in my pocket. To quickly introduce myself, I'm 31 and live in London with my boyfriend and our rescue cat. I'm fortunate that I work full time…
Stepchange
Afternoon All, I'm back! Still in debt but have got it down to 4 (all biggies) from 12 so I think I'm not doing too bad, I just keep plodding. Hope all are ok and have managed to keep well in mind and body. This is a quicky, I don't like talking to Stepchange they make me feel uneasy, has anyone completed their budget…
Three years to get debt free
Morning, I have had a diary on here before but had to close it down. I am a single mum with an 8 year old DD. I have found myself in debt since the age of 18 when I went to university and have been in it ever since. I decided to change this in 2017 and then found myself a single parent in 2018 and having to attain more…
Lilt, Jellytot and the Archangel
So, here I am again... Almost debt free. I’ve been paying down debt on a 0% card and it will be gone in 6 months or less without accruing interest. But in the meantime, I keep going into my overdraft, spending £125 a week on groceries that are mostly ending up unused, in the bin or the freezer. I just got through a…
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Facing up to the limitations of my life
I took out a loan as part of buying a house that had lots of category three repairs that needed urgent attention but the repayments meant things were tight and I let that notion slip every now and again so now two years later I am maxed out on my credit card. Nothing major but just no 'cushion' and the occasional 'sod it'…
Pay for the future and not the past
I have read so many diaries recently and having kept notes of my own, i felt instead somewhere to put my thoughts where they will stay, will support my idea of clearing my debt but more importantly keep me accountable doing so. So here is my Debt Free Wannabe Diary - Pay for the future and not the past. This statement is…
Keeping on the straight and narrow
Hello, Long time lurker. I don't have much debt but I wanted to keep "on track" and everyone here seems to make awesome progress so figured I may as well join in! I will post my income statements and progress. I do want to cut down unnecessary expenditure. Hopefully having a sane pair of eyes will encourage me to be more…
Starting out again
Hey folks, Have had a rough 18 months featuring a marriage break up, moving out to a death trap of a building, to move on again (breaking a tenancy to do so, so sadly on the hook for two lots of rent for now... hopefully sorted on 01 Jul), a hospital visit at the start of the year, and signed off with stress due to the…
New life - debt free
So it appears I am separating from my partner of almost 14 years. Things are very amicable and I hope they will continue to be as it's going to be some time before we can go our separate ways. We have a house with a mortgage - the current thinking is he will buy me out as I can't afford to buy him out. Then I will buy…
On my journey for financial freedom.
Hello! I’ve decided to start a diary after lurking for several months. I’m a single Mum with a five year old and an eight year old that live with me full time. I’ve been separated (now divorced) from my ex husband for almost four years. I left after a myriad of issues, but financial abuse was a big part of it. My youngest…
Time for a new beginning with less talk, more action!
Hi everyone I'm new here and decided now is the time to start taking control of my finances and put a plan into action to get my debts paid off. I have already paid just over £2,500 off my debts but as off today my debt balances stand at:- Barclaycard £2,533.00 Pay £50.00/month Lloyds £2,740.00 Pay £82.00/month Halifax…

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more than car insurance swinton
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