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Long Road To Pay Off Debt
Wanted to make a thread to hold myself accountable. Also to see if there is any way we can make savings. Took out loans and credit cards due to a wedding and debt consolidation really. Not taking out anymore credit and working off paying all this down. Thanks for reading. SOA below. Income (Me & Wife) - 4696.08 Life…
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Looking forward to be debt free - one day 🤞
Sat and worked out my debts today (excluding mortgage) and feeling sad but at the same time ready to face the truth that I need to repay £29,318.21 in total. My debts are Loan 1 - £15,738.41 Car Loan 2 - £9800 Caravan Cc - £1716.40 Sofa - £2063.40 My savings are currently £0 as had to move funds to cover this months bills…
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Three Years of Tears to Yippee I'm Debt Free!
Hello All... This week I have finally faced my debt demons and I know I have to do something about it. I am 59 years old, married and financially, to the outer world I look like I am doing well, I have a good income, I go on nice holidays, drive a nice car and live in a nice house but I have been for the last few years…
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A new chapter is ....... FINALLY HERE
So i'm sloping back in with a new diary, been missing (but still reading) for 10 months, MH took a nose dive in October, all work related and quite frankly horrid. After lots of chats with DH,crying and not really knowing what to do with my life I spoke to my manager and as of September I will be working less hours with a…
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Mummyto3boys crawls out of the mire mark 2
So it's been years. So much so my old diary is closed, shut up like a long forgotten relic. The baby I last had is almost 12 😱. I still have debts but great things have happened. Such as I have paid off our mortgage, then moved home and still have no mortgage! I haven't been in my OD for years. I have a job I adore which…
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Must try harder…again!
Well, here I am, back again! I have missed our chats, your worldly wisdom and opinions on biscuits! After losing my old dog in January I took a while to sulk, wallow in sadness and grump quietly…you know how it is 😖 Anyway we quickly cracked on the dog front and I have a 17 week German shepherd sleeping against my leg. We…
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Debt Free Diary Newbie. Post 1
No clue where to start but hoping, like others, that tracking my situation will not only hold me more accountable but help me see some progress in my thinking, spending, saving and what not! Total Debt to date 9th July 2025 Student overdraft from 2015: £1550 now at £330 Credit card from 1999:£5615 now £2068 (0% Interest on…
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Go your own way
Hi team, I'm new to the MSE forums, having joined in March to help me clear up my credit report and improve my financial intelligence post-IVA. Thought I would get a diary going to tell my tale so far and share some insight on how I'm now 'going my own way' with my money having ditched the debt. So, here's my story so…
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Switching stories
Hi all, new to forums so not sure if this is the right place but I'd really appreciate some guidance on how to fix situation. Last month I decided to take control of finances and applied for and received a new credit card with 0% to pay off old HSBC credit card debt. All went well EXCEPT that after the balance had been…
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Taking Action ...
Not sure if this is the best place to post but will go for it. I'm struggling at the moment financially/ debt....Thinking I could pay that off from wages at the end of November , life has thrown another curveball ball in that I'm now facing redundancy .. I'm trying not to feel overwhelmed but its hard ...I I've done a SOA…
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I will have two credit card balances with debt left come February, what should I do?
Hello, I am on a debt free journey and I'm feeling very positive with one of my credit cards set to be paid off by the start of 2026. I will then have one card with approximately £900 (a balance transfer with the 0% period ending in March 2026) and another card with £1242 (with a 0% period that ends in June 2027). I was…
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Moved: Default notice help
This discussion has been moved.
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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…
