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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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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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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…
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Giving Up/Cutting Down Alcohol Thread part 18
Welcome to the Giving Up/Cutting Down Alcohol thread, part 18! This thread is all about helping people cut down on their alcohol consumption, mainly for health reasons, but it can also help with saving money, because alcohol isn’t just bad for the health, it’s also expensive. This challenge has been running since February…
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Student loan should I repay?
So I have worked really hard to be mortgage free and I currently owe £3269 on 0% Credit cards I also owe £2250 on my student loan. I know you are advised not to pay these off but mine has interest on it compared to my 0% cards and it’s small, i am likely to pay it off as I’m just 50, I work in nhs job so fairly secure .…
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FINALLY getting rid of this debt by the end of 2025.
I've been half-heartedly trying to clear my debt for some time now, but never actually REALLY tried that hard. Due to a change in my circumstanes (my income has decreased by just under £500 a month) I REALLY need to tackle this debt ASAP, before my income goes down again at the end of this year. I did a SOA and on paper, I…
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Time to get this sorted!
Hi Everyone I've been burying my head in the sand for a while but it's time to get my finances in better order as I've just turned 35 and need to start paying debts down so i can save and get on the property ladder. I understand that realistically this will take some time. I've been reading several threads on this forum…
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Washing Away My Mortgage & Debt by 2035
Well, needless to say I am back with a part two! I cleared my original debt of £7401 (off the top of my noggin) last year where I stomped all over that balance until the cows came home in record time. I promised myself I would never get back into debt unless absolutely necessary. Whoops? Well, it was an 'on purpose with…
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Rebuilding my life.
I don't really know where to start with this, but here it goes. I am four months out of a 15-year relationship that I thought would last a lifetime.As Covid began, I had almost everything I wanted: I was nearly debt-free, had a loving partner and pets, a beautiful house, a new electric car, a camper van, and both of us…
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Santander debt sold to cabot
Santander placed an interim charge on my property. Then sold the debt to cabot. I offered a settlement figure of more than half of the original figure. The solicitors said they will not put it yo cabot as they want the full amount because of the charge so I have emailed them direct awaiting a response. Anyone know how I…
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A Diary For After Debt
Hi all. I'm hummed and hawed for ages about starting a diary. I was pointed in the direction of this forum about 12 years ago following the break up of my marriage (and the resulting financial mess!). The help and support offered was invaluable and allowed me to get out of debt and give myself and 2 teenage (at the time)…
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So Ashamed but hoping sharing will help motivate me.
I am terrified to even write this but hoping it will prove a turning point. On New Years day I finally sat down and looked at all my debt and was horrified to find I owed £29,995 in Credit Card debt. It has accumulated over many years except for the last £10k which I accrued within the last year from mad depressive…
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Moved back to UK from Australia - pension
I moved back to UK in 2023, so this is the first time I completed a Self-Assessment (SA). I receive a personal Australian pension (monthly). However, I am confused with the tax issues related to my pension. I have received a K tax code and really need to know how to reduce the tax implications legally. The pension was not…
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Minimum wage, is petrol allowance an expense or not?
Hi I am an employed photographer for an estate agency. I am trying to work out if I am on a minimum wage or not. If I include the money I am allowed for petrol (which incidentally doesn't cover my costs) I am just over minimum wage if I don't I am under. How does this work? Thanks
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Loan options or lack of…
Hello all, Ive currently got a series of credit cards which I’m paying more than the monthly repayments on, unfortunately some of those cards are sitting with a 49.9% APR. Unfortunately despite not missing any payments and paying more than the minimum my credit score doesn’t seem to be rebuilding and I do use these cards…
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Don't Dilly Dally Dolly - 2025 and Beyond
So it's getting close to the new year and I've decided it's time for a new diary! Why not eh! I've got big plans and can't dilly dally any longer, I want to be; * Debt free in 2025 * Goal weight in 2025 * Mortgage free in 2030 Once I've managed to sort all that out I've got changes to make in the flat. New bathroom,…
