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Moved: Default notice help
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Debt, Diet and Decluttering - The Lifetime Diary
Does anyone else get the urge to sort every single issue in their life at the same time, get totally overwhelmed then bury their head in the sand or is that just me? I can't just focus on one thing at a time, my brain will not allow it so here I am again tackling the following; * Pay off £7,450.68 - Lloyds CC * Pay off…
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Countdown to Part Time…
I’ve been inspired by your diaries so decided to start my own. Firstly, I am going to say I know I’m in a privileged position of having paid off my mortgage and that although I’m in debt, my financial position is really quite sound. BUT I am bad at living within my means and I allow credit card debt to rack up, then take a…
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My debt free diet
I am writing this while i am work so i have things clear and i know why i need to do this i work in a toxic atmosphere and toxic workplace with a director who is always on my back about the most mundane things. It is getting me down and the only way i can see out of this is to become debt free and then i will have more…
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In significant debt and figuring it out
I am in circa £74k debt from gambling and I need to come clean to my husband. I have finally reached out to my family who are all there to support me the only one who I haven’t yet spoken to is my husband. We have a house and he doesn’t agree gambling is an addiction so that is one hurdle to get over imminently. Having…
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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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Moved: Any one got a magic wand
This discussion has been moved.
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Paying off No 27 - Back again and £34K in the red!
Hello I am back again... :) It's been awhile since I have been here so for those of you who were around then, I have paid debt down and built back up and I am trying (again) to face the music. To those of you who are new I am a Single mum of 2 who works full time and lives miles beyond her means. :s I should have cared way…
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Deepest Darkest Devon Debt Decisions
Hi All, Well this months debt pay down is going to be a disaster , well instead of the 1000 I try to normally pay it will be 425. It is all my own fault. The weather has been nice, I have been busy with my allotment and my side hustle has come way down the list so the available money has also gone down considerably. I am…
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“Debt is normal. Be weird.”
The last time I ventured onto this forum was nearly 17 months ago. I started a diary in 2019 of the same name (now defunct somewhere and gathering dust) which really helped me focus on reducing our debt, whilst simultaneously being held accountable for even the smallest financial decision - there was nowhere to hide!…
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Claiming back my life
I’m a mid 40s Mum to an amazing 9 year old and need to make some changes! I feel like I’ve been coasting / existing for most my adult life. Over the last few years I’ve become increasingly aware of my mortality, realising that I’ve probably got more of my life behind me than in front of me (morbid I know!) and it’s time to…
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Mortgage Free by 50???
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Time to get the monkey off my back!
Hello! My first time posting here, have been a lurker for a long time, but after reading the most amazing diary over the weekend by @EatingBeans, I'm ready to start my own. I have spent most of my adult lift in debt. When I had hardly any money, I managed it brilliantly, debt free, staying within my means, but as the money…
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Do it for your future self
Hey all, Here i am again, my third diary and each time i come back with more and more debt. I have been feeling so hopeless recently, this debt has been weighing on me so heavy - was it 100 percent my own fault by living beyond my means (yes) but its making me not want to exist i feel so trapped to be honest. I’m not…
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Debt-free by March 2026
Hello, I have got lots of excellent advice from people on this forum over the past couple of months and I now feel ready to start a diary. My budget might not be quite right yet and might need some ongoing tweaking, I am hoping this diary will allow me to hold myself accountable and reflect on actual spending each month so…
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Dreaming of Disney
Hello there!! I haven't looked on here for a long long time but i think it's time that i did. January has been an absolute whirl wind of deciding what to do, how to do it and gathering my thoughts, bit of a practice start to the year, so im going to start from February pay day, which happens to be tomorrow. As of the end…
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Baby Steps to a brighter future
I'm one of those boomerang DFW. Was on here previously having cleared 10k of debt post marriage breakdown, divorce and moving on. Was debt free for a couple of years and due to some pretty rough set of circumstances find myself back here with an even bigger debt. This debt is not from being frivalous, far from it. Life has…
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Debt Free at 63... What next?... [Equity release on mortgage free house 2025]
Hi, I need some sage advice from our fantastic hive-mind :) I am considering equity release on mortgage free house in the next couple of years. Sadly my son died a couple of years ago so I now have no family I want to leave my inheritance to. * I am single, 63 (still work teaching 3/7 days and reach pension age at 66) * I…
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Spent 4 years pretending it's all OK
Bewildered, confused, terrified that will lose everything we have worked so hard to build up. Over 70 K unsecured debt and 28K owed to family. Have been self employed for 10 years but business gradually gone down hill in recession. partner went back t o work, on good salary 47K but not enough, plus some money still coming…
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My new debt free diary :)
Hi everyone! This isn’t my first debt free diary but I hope it’s my last :blush: I’m making this diary so that I am accountable to myself and I plan to update it as often as possible. I am 38 and have been in debt since I was 20 and bought my first car. Not massive amounts but enough to affect my monthly income. I have 7…
