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Giving Up/Cutting Down Alcohol Thread part 18
Welcome!! Here we are again, time for a new thread, new starts and new challenges. Let's take a trip down memory lane and remind ourselves of In Search Of Me's original post on February 24th 2008 in Part 1: In Search Of Me There are a few of us who want to give up/cut down & I thought it would be good to widen the net to…
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Breaking through the debt and life challenges
Hi everyone, I read a number of diaries here and I figured it's time I should start a diary of my own as a means to help track my progress on getting rid of the debt and possibly help me vent and unload some of the personal and family life struggles and challenges. Our position isn't bad but I'd like to clear the debts to…
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Cherry takes the reins
Hi everyone. I'm hoping I can legitimately post a diary here as I'm in the blessed position at the moment of my only actual debt being my mortgage, but I've had a huge change in my circumstances recently and how I manage it will have a big impact on our finances. I need to talk things through, if only with myself, and…
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Back here with more debt than ever before
As the title suggest I’m back with more debt than I ever had before. House improvements, holidays and it all just crept back up over the years. The usual story of credit cars, then loans to pay the credit cards off and now both credit cards and loans. But also for the first time I’m being refused credit and refused 0%…
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New thread, new me - hopefully!
I think it's time for a new thread. The last one I started in January 2018 after coming to the realisation in late 2017 that I was in a much bigger hole than I thought. Five years later things are better but I haven't made nearly as much progress as I'd hoped. I started with just under £40k debt and I'll be entering 2024…
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An in-between phase
I am largely starting this thread so as to not rudely put a long whinge on the lovely @foxgloves and @EssexHebridean threads! I will talk a little more about my slightly unsettled life situation in due course, but for now, just whinging 😂 Today I have been trying to switch to a more money saving phone contract. It has been…
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Onwards and the debt goes downwards!
Hi All Old diary is here http://forums.moneysavingexpert.com/showthread.php?t=1000559 I can't do the posh linky things. Things are all changing in the Lucielle household. DS1 arrived back from New Zealand and has moved out to start his new job. Spent most of last week building flat pack furniture from the well known store.…
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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is http://forums.moneysavingexpert.com/showthread.php?t=4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal…
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Frugal, thrifty, make do, mend! Let this debt come to an end!
Hello all, So by my reckoning, that magic spell in the title should take about 4 years and 4 months to take effect at current debt repayment and spending rates. :rotfl:. However, there is no harm in trying to help things along a little, is there? I am recently divorced and live on my own in a rented house with my 2 cats.…
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Giving every £ a job
I've decided to be brave and continue my journey from lurking on these boards, through posting on these boards and I now feel ready to start my own diary. I don't actually have any debt anymore but I am very bad at saving so I've decided to set myself savings goals and treat them as debts to my future self. I was…
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Time to Face The Music
We have decided as a couple that it is time to face the music and start paying down some of our debts. We are lucky that we are both in jobs that pay ok but we have at times been living beyond our means and now it is time to start reining in the spending and making a concerted effort to cut the debt. Moving house last year…
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As one chapter ends another begins
So, my debt free chapter begins. On 1st November, I became debt free :) , which is something I have dreamed of for the longest time. I have spent all of my adult life in debt and the amount have varied considerably over the years, in January 2020 I owed £15,940.10. I did give myself until my 55th birthday to pay all the…
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Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…
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Small steps lead to big changes...
I thought I'd start a new diary for the new year. It always feels like time for a nice fresh start, and whilst I don't really make resolutions, it's always nice to have a plan of things I'd like to achieve. After many, many years of struggling, it feels like my finances are finally on a more even keel, and I have for the…
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Shopping addiction diaries
I have been a shopping addict for several years at this point, and I desperately need to change my ways. My current debts are: * Ratesetter loan - £4,364.55 * Monzo Flex - £83 Total: £4447.55 (It was higher than that but I managed to pay some CCs off this year.) I spend money on silly things I don't need - mostly clothes…
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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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A new chapter, An empty nest, Drama school & Last year of Uni
I've been on these boards for many years and a long time ago did start a diary when we'd had a windfall and cleared some debt and I'm not sure what happened but 'life' got in the way. Today starts a new chapter of my life as my youngest has just left home (albeit temporarily) for her to access a drama course in a different…
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Milann’s quest for a new me in 23
I’ve been on the boards now for quite a while now. I’ve been debt free for a few years but it’s been a struggle staying that way sometimes and would have been easy to fall back into not paying the cc off in full each month. My LBM was 17 years ago today when I was rushed into hospital with a perforated bowel. In my more…
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The Three C's - Coffee, Clothes & Credit Cards
I'm back again and I thought I would start a new fresh diary. Life has been hectic for me in the last 6 months with some unexpected expenses that have sadly led to me getting into some more debt. Fortunately it is all on 0% credit cards and I plan to tackle it £1 at a time. Technically I do have enough in savings to cover…
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
