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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…
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When to DMP?
Hi all, Really sorry if I’m repeating on here but if I’m honest I’m not entirely sure how it all works on here yet! I’ve just had 2 letters from Lloyds to say they are closing my 2 accounts with them (load & credit card). I’ve stopped paying for 2 months now waiting on a default from these accounts, they’ve sent me another…
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Still dancing to blow the debt clouds away
Hello Dear Friends I have yet to look at my previous diaries… Here is where I am now …. 2025 marks a year of change….. I have finally finished a path I chose in 2019 to retrain so I wouldn’t be on the work heap at 49. I can honestly say that in the second half of my fifties I am in the best shape I can be mentally and…
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Dark Sunday Debt Free in 2027
After many attempts, I’ve started a new diary for the final push to eventually be debt free in 12 to 24 months. I’ll post some numbers in the next few days.
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Debt free by 30!?
I’ve been frantically reading lots of diaries over the past few days (and years!!!) and decided it’s time to start my own. I’m staring into the future and realising I’ve got 15 months until I turn 30 and need to get my !!!!!! together! Background: I’m a mum of 2 (4 and 10 months) and I’ve got a few weeks until I go back to…
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Taking control of the emotional spending. On my way to being debt free
Morning, I've been on here a long time and followed a lot of inspiration al journeys. It's time I now ensured I was following the same strategies to pay off my final three debts. The first is my mortgage. I owe around 167k and it is due up in October 2025 with a huge increase expected from my fix. The house is worth around…
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High interest mortgage
High interest mortgage
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Aci debt collection fraud
ACI debt collectors are bombarding me with letters and email about a non existing debt. These fraudulent contacts have been reported to action fraud who are investigating. I'd recommend registering any scams to action fraud. These people are criminals!
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2025 WILL be the year
Hi all I've started so many diaries over many years, and have managed to get myself out of debt and back in so many times that I am fed up with it now. So, 2025 WILL be the year I crack this - starting now! About me - homeowner (mortgage free, at least I cracked that one!), live with DH and DS. Work full time with an…
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After investing a boob job, time to tackle my debts
Hi all and thank you for clicking on my post. This is my first proper post on here so please let me know if I said/ done something wrong when writing it and apologies in advance. A little bit of background story: I (25F) have joined this forum specifically for taking for accountability and working towards clearing my debt…
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I shouldn't feel skint ...
But I do. I am very
ashamed to post this, but despite having a decent income I find myself having
to really watch my spending for the last week or two before every payday. I
also have stubborn credit card debt, accrued when I was younger and skinter,
that I should have shifted but haven't. I've recently had to borrow money…
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Am I trapped in paydown plans?
Hello. I'm trying to find a way out of debts of around £3500 (£1000 each on two credit cards) and a £1500 overdraft that I live in for most of each month. I've been reading recently about 0% balance transfer credit cards, but both of my existing credit cards are consider "Closed". I am on paydown plans, paying off about…
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SparFuchs' Debt Free Double-Life
Well I'm finally jumping on the DFW wagon. Very long term MSE member (by not a frequent poster), but my old account revealed a lot about my 'old life' so I wanted a completely clean slate. My debt free journey is quite modest by DFW standards, with a grand total of £2037 on one credit card (14.88% interest), but the bloody…
