Debt free diaries

Currently on a debt management plan and have sold our house to release equity to pay off our debts. We have a couple of issues with this we owe 56k and have 50k available but I am currently 8 months pregnant and our car is broken - cracked windscreen, doesn’t lock, front door doesn’t close properly and we cannot fit all 3…

Hello, I'm new here! I'm so glad I found this space. I'm going to use it to help keep myself accountable as I work towards paying off my debt. Quarter: October–December 2026 Date: 28 September 2026 💸 Debt: -£14,489.19 💷 Current Account: £177.09 💷 Savings Account: £645 📊 Net worth: −£13,667.10 Non-monthly bills coming up 6…

I'm doing it again. My 4th and FINAL attempt at sticking to a diary. Sometimes I think I am actually insane when i look at some of the previous choices I've made. I was reading back through my old diaries, i think my first was three years ago. If I'd stuck it out I would have been debt free by now - but back then three…

Hi everyone 👋 Recent Dad to twins (can I still say that 15 months down the line?), and if there’s ever a motivator to sort your finances out, it’s that! Since becoming married, me and my wife prior to the babies have managed to accumulate some debt and it’s time to make a change! 😤 I’m working hard to change my…

Hello - I had previously had a debt free diary about 4 years ago, I think I was in about 40k debt but then cleared it down by about 10/15k but never addressed the underlying issues and of course the debt just ramped up again. A big promotion and then another secondary promotion really gave me a false sense of being…

Hello, I have lurked on these pages so long, carrying the shame of debt, never quite being able to get on top of things, finding myself spending in times of being down, trying to impress, trying to exist and because really during most of my adult life not having a very good relationship with money. I now find myself…

I'm chuckling as I write this as it's nearly 10 years since I last logged in here. My last diary was titled 'One Final Push' but needless to say it wasn't. I have been in debt continuously since I was at University. Since the fateful day I turned up at Barclays and asked them for an overdraft which was never fully repaid…

Harry Potter fan here - how could you tell 😉 I've been here before under another username but needed a fresh start so here we are! I'm in debt at the moment but it's on a 0% credit card and I've got a good plan to pay that off within the 21 months. I've also got my mortgage for my wee flat which I'm planning to pay off in…

Hello world 👋 This will be a long first post but I just wanted to get over my anxiety and get the first post out of the way, half of it will be shameful but half of it will be exciting and a bit overwhelming. I have found myself in the unique position as of last night that, with the hopeful help of some partial…

This year apparently is the year of the Firehorse - a year of bold, fast paced change, drive and ambition. I’ve never really paid much attention to Chinese new year etc, but as the year has gained momentum, I’ve realised that this really is my “Firehorse” year. The day after Chinese New Year I had my first interview in 20…

joining to get rid of my credit cards no other debts apart from mortgage which doesn’t have long left will list my cards, balance. Interest rates etc shortly

So, I haven't been great with money lately and my spending has got the better of me, coupled with the fact I took my eye off the ball and didn't budget for my tax payment this month 😬. I have managed to get it covered, but I need to pay attention to sort out my debt. In about 5 and a half years, my mortgages will be paid…

Hi everyone, This will be a bit long, please don't feel obliged to read - SOA will be posted below when I can make the time. It just helps me to think 'out loud' in writing, and hopefully to get some moral support as I go along. Introduction Well, it's been a long time since I was in debt. Maybe 15 years. My first ex got…

Third time lucky? Third diary for me - definitely sticking to this one!! The fact that I've not stuck with the previous ones pretty much sums up why I am in such a mess - so unorganised and easily side tracked. When it gets hard I stick my head in the sand and do my very best impression of an ostrich, this has probably…

Hello all, long-time lurker/reader of advice and thought a good time to put a pen to paper and have a chat about my debt journey. I’m 34, in 2010 at 18, I walked into a Lloyds TSB branch and a member of staff helped me pay some money in and then wanted to discuss a Credit Card. I was daft and signed up to it, I worked in…

hello and welcome to my new diary. I’ve been kicking around here for a fair few years and dealt with debt for a lot longer. I am however happy to declare that I am debt free and mortgage free. This is despite my last mortgage starting at £160k on the same house where my original mortgage was £38700. Multiple consolidations…

Hi everyone, I’m newly registered to the forum but have been reading these diaries for a few weeks and it’s inspired me to start my own one to keep me accountable and hopefully get the debts down! My problem is that I currently have a large amount of credit card debt through what I now realise is chasing dopamine. I get a…

Hi, I'm a semi-regular who has created a new account as the thread I started this morning on my old account got locked and I didn't appreciate that. So here's take two on my new account. Hi everyone I'm back again, still trying to clear the debts. I won't go into a long explanation as to where I've been (no excuses - I've…

Hi everyone I'm back again, still trying to clear the debts. I won't go into a long explanation as to where I've been (no excuses - I've just been rubbish at coming on here), but I'm just so sick of being in debt, I have to get a grip on it. Got to hustle my way out of it, any way I can (legally of course!!). The plan?…

I have browsed the diaries for a while, and have never really felt the need to participate. Until now. I have come to realise that it's a really good way to hold oneself accountable, and in order to progress with my grand plan, I certainly need to be accountable. The last time I was seriously in debt, it was due to my ex…