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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…
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Living frugally in 2025......
Long time lurker, first time poster! I'll keep my first post brief just in case it all goes awry and doesn't post - I'm such a technophobe, hence me lurking and never posting! A bit about me: I find myself in my 50's, living alone for the first time in my life. Buying a house, doing a mini renovation, paying the bills and…
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Diary and plan
A wish to be debt free and on to mortgage free. CC 1 - £1644.55 (£491.82 0% until Mar24). £1152.73 interest accruing (think around 14%) CC 2 - £2385.00 (0% until Nov23) CC 3 - £2239.20 (0% until Mar24) Loan (family) £12,000 Emergency savings - £0 I have £500 left after bills so current plan:- CC 1 - £100 CC 2 - £25 CC 3 -…
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Time to grow up and stand up
Hello all, I lost track how many diaries I started (maybe 5, 6, ...) but then I realised little thriftylass is going to be 18 this year (her real life incarnation is a few decades older) and it's time to grow up but also be true to my values, and me more again. I started this diary later in the year as I have found if I…
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Got to get started Chipping away at it.
So ive been struggling with my debt for a number of years now . And have struggled with debt in the past as well . I came out of uni in what was comparative to my earnings at the time quite a bit of debt. Managed to sort that in my early twenties and was actually really well disciplined . Then I think I fell of the wagon…
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Very Old debts
Been in dmp since 2006 all debts had defaulted by 2007 clear of my credit reports now but still owe 14000 due to end in 4 yrs wish to know what discount I may get to pay all off them most individual debts of the total i range from anything from 100 pounds owing to largest of 1200ish split between 8 debt company’s many been…
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2025 - A Debt a Month - A Year to Freedom
Hi everyone I’ve been around these forums for a long time, but have been very sporadic for a while lately. The debt is still there and hasn’t been dealt with - but I honestly feel that 2025 is the year I get debt free. My OH and I have just finished paying a large loan that we’ve been paying for AGES. Before this we had no…
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Journey North to Debt-Free and Become a Saver
Hello, So ultimately the goal is to repay my current level of debt using a DMP. I have chosen to do this through a debt charity. I was given bankruptcy as an option but it wasn't recommended. I'm a homeowner with a mortgage so I presume this asset would have been used to clear my debts. Not an outcome I want. I prefer to…
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Single income, AuDHD, £29k debt, no savings...turning the ship as of 2025!
I’m trying to decide what to do, between instigating the
process towards a self-managed DMP, or ‘just’ continuing to try and pay debts
each month until it is clear (likely in around 4-5 years…) I would really value the thoughts of those in this forum – I don’t have any
family to discuss this with, and live on my own (with…
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Doris's 60 Months Debt Journey
Hello, Decided to move from the "How Much Have You Saved?" board as I am currently back in debt thanks to a new kitchen which is the last major work that needs doing in our house, have been getting house retirement ready. Even though the debt is 0% and I do have the funds to pay in full, I just don't want to, rather have…
