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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…
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Happier Nat's debt free diary
Hello I'm Nat and I've been a member of this forum for years, I've even been on the Debt Free Roll of Honour in 2014 when I sold my house and paid off £38,000 of debt. Here I am again though in another £30k of debt and this time starting a DMP with StepChange, all of my paperwork has been sent to them and pending…
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Are we nearly there yet?
I've been on these forums for nine years (according to all the messages I got from MSE Badger when I signed back in after a few years break), so it's been nine years that I've struggled with money. DH and I entered our 'living together life' with £2k worth of debt, and I remember thinking we'd never get out of it. It…
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Over the Rainbow and Quest for a Unicorn
Time for a shiny new diary! It's been so long since my last post in my old diary that it appears to have been closed! Link to old diary here! https://forums.moneysavingexpert.com/discussion/4590301/over-the-rainbow-and-happy-ever-after I haven't posted in 4.5 years! It is so inspiring to come back on MSE and see that…
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Accountable
September! It always feels like the start of a new year to me, I'm not sure why, perhaps its the new school year that's embedded in me (even though that was a long time ago!) I've decided to keep my own debt free diary, to hold myself accountable. I'm not even sure if anyone will read my diary, but bonus if someone does…
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Overhauling for the second (and last) time
I initially started a thread a few months ago after realising I was struggling with my debt I don’t, in the grand scheme of things, have a lot of debt but have a lowish income and little disposable money to throw at it currently so it’s slow progress I have 10 debts, totalling just over 5k and made the decision earlier in…
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The thriftyish way to debt freedom
Hello We are a family of six (myself, husband, 10yo,9yo,7yo,5yo) living on DH's income at the moment. We went through a tough financial patch around 10 years ago and managed to clear all our debt, and then started paying down our mortgage - we had a mission to be mortgage-free before we were 40. Then we somehow got a…
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At an all time low..
Hello all, been around the boards for a while, had a few diaries but never really kept up with them, but this time it all has to change. Life is absolute awful and has been for most of the last 10 years and just need a break so really going to try hard and make it count. Apologies now for the long post but need to get this…
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RemorsefulRoo's Debt Free Journey- 12 Month Accountability Diary and hopefully beyond
So here goes... :# I have been a silent watcher and lurker for a long time and I guess I have
always had an issue with debt. Its something that I haven't ever really
understood- not the literal debt part- but the why I do it part. I always have the best of intentions 'ill get this loan to pay that...'
'you only live…
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2025 - Reset, Refocus, Remortgage!!!!
I’ve decided now is the time for a new diary. My previous had lost its way a wee bit, but it’s time to draw a line. My mortgage is up for renewal in 24 months, so I’m using the next 2 years to clear as much debt as possible so that the undoubted increase in mortgage payments won’t cause too much stress. This last year I…
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The ostrich wakes up and decides it's aspiring to be a wannabe wise Owl!
So after decades with my head in the sand, I've had a wake call in mid October and realised this stress can no longer carry on and it's time to wise up and take responsibility for a more fulfilling and meaningful life. This ultimately means I am now on a mission to live within my means and not beyond my means. I have never…
