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The only way is up - but I need to keep going in the right direction!
Okay, time for a new debt-free diary. I first started one seven years ago when I realised how in debt I was after years of silly decisions, some tricky circumstances, slipping back into bad habits, and burying my head in the sand. Back then, at its worst, my debt was £39,220.58. I'm now on £6977.55, split across two credit…
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Managing Mat Leave
I've been meaning to start a diary thread on here for a little while. I'm due to start mat leave in 8 weeks which was not entirely planned, meaning from a financial point of view it's a little tight. Definitely manageable but we need to keep track of a few things as we have some debts we're paying off as well. I'm hoping…
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Seeing Sense.... at last
Hi all, long time lurker here who has followed other diaries in the hope of inspiration and motivation. I had my light bulb moment nearly a year ago in April 2024 when my debt levels reaching a ridiculous amount and I was running out of money with too much month left at the end of it. At the worst I owed over 70k and…
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Oops I did it again
I have been around on the diaries on and off over the last few years, I am never massively in debt but never actually out of debt so I want to kick my own butt and sort this out. I have got a loan- sat in a savings account at the moment, which I have taken out for bariatric surgery which I am planning to have in the summer…
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First timer seeking accountability
Hi all! 👋 Firstly I am a long time lurker 👀 first time poster. Little obligational background for context: 32 year old married mum of 3 aged almost 18, 8 and almost 3! Was in an abusive relationship from age 13 until I managed to flee with my son in 2010. Met my now husband late 2011 and the rest is history. We have two…
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Stop the Splurge
I'm starting this diary because I need to get on top on my spending and some small debts. Background: DH was in charge of finances for the first few years, only he was dreadful but I wasn't much better and together we built up debts over 50k. In 2007 he had 6 CCJs and we were on the brink of losing our home. So I joined…
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misstara's debt diary 2024
I've decided it's time to start a new diary as the old one has been on the go for a number of years and I feel a fresh start would be good especially since I have less than £600 left to pay off the credit card. I'm hoping to stay debt free this time and hoping a new diary will keep me focused on this. My first diary was…
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When it's good, it's fun. When it's bad, it's funny.
Aaaand herein begins my new diary, where I hope to capture the ups and downs of the journey. In other areas, it's been fun to read things back several years later and experience those "oh, yeah!" moments, so hopefully that will be the case here. As of 01/11/24 I have cleared a 0% balance transfer card within the 3 month…
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Cuddlymarms 2025 new start
Hi guys It’s that time of year again to make decisions for the future so here I am. 2025 is going to be my next step towards retirement, as it’s less than 4 years to when I get my state pension. I’d love to give up now but can’t afford it so baby steps, I currently work 4 days a week. So this years aims are, Moving home as…
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Three Steps Forward
Starting a fresh diary. I don't really have a plan - I mean I do, but every past plan has failed, so I'd like to style this one out better. That's the plan. Budget is good. Will save a bit of electricity if I turn lights off. Am considering cancelling the TV License. Is it worth getting lifetime subscription to Microsoft…
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This could be long......
I have been lurking here for far to long, a previous attempt at a diary fell by the wayside very quickly and now I need to sort myself out. It's not going to be quick, but I need to get debt free and it's starting to make me stress. Back soon with an SOA and a plan! Xxx
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I can do this...step by step
Hi all, I've been lurking on the forums on and off (mostly off) for sometime now and had "that moment" when I have come to realise I'm really over my head and hiding behind yet more loans and further debt won't help. I feel I have got to this stage by each time taking a new loan to consolidate the last while spending more…
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Attempting to become a grown-up...this will be a challenge - debt free and buy a house!
I have never done this before but decided to pop a diary on as the thoughts are driving me mad so if I can have an outlet hoping that will help. I am obsessed with planning, crunching numbers, looking at dates, I am driving myself absolutely crazy. Plan is: avalanche debts and save for a deposit to buy our first home. My…
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The 46 weeks debt free challenge
Hi all. Its been well over 10 years since ive been on these forums, and have been quite frivolous with my cash by my standards over those years. Im probably far from the most in debt here but ive recently got the bug again and want to make massive inroads. So im a dad of two, and married. We have 87,000 left of the…
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Never Again. Rose's Escape.
I've spent a lot of time reading threads on this forum, and it's been incredibly helpful. More helpful than StepChange (and they were helpful). I'm about to stop paying all of my debt and start an emergency fund. StepChange wanted to start a DMP before I'd missed a single payment (I've never missed a payment of anything in…
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A new adventure for me!
I am starting this diary after already starting one but giving up and basically still being in the same situation over 2 years later - really let myself down there haven't I? I want to use it to record my spending, money making efforts and general day to day organisation of my life. I currently feel completely stuck in a…
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Trying to get out of the money mess
So I have got myself in to debt. I'm in a fortunate position in a way, my husband earns a decent wage and pays the mortgage and all that main bills. We have a joint account which I pay £150 into, the family allowance goes in and he pays the rest, everything comes out of there bill wise including mobile phones. Our wages go…
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Building a Better Future
Hello everyone I'm posting this new thread to track my journey to being debt free by the end of 2026 and living with a more content attitude. My main goals: Chip away at my debts without adding to them Control my impulsive spending Cut down on costs Be happy with what I have I struggle with my moods a bit and probably have…
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Wanting to share my goals with you all!!
Hello! Sorry if this in the wrong thread?? im starting my debt free journey 😃 we are 30, engaged and no kids. current debt myself: CC £10k PCP £12.5k - I sold my car today and made a profit after paying the finance off!! overdraft £800 my partner: overdraft £600 after recently paying off a loan PCP- £15k - he is overpaying…
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In the Meantime
The meantime is the time between two events. The two events that bookend my meantime are a death and moving into my long term home. In the meantime I will rest, practise self care and kindness. I will be planning and plotting for the next phase of my life. My beautiful relative died and was buried the week before…
