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Here Goes...Starting Up on a Journey
Hi All, I've made some reckless decisions recently, tried to invest money, kept borrowing to invest more and lost it all. Ridiculous I didn't learn after the first one, two, three, ten attempts. But we are here now: Essentially I am up to my eyeballs in debt and have about the same amount of debt and interest payments)…
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Almost debt....free
Hello everyone! Long time lurker but first time poster. Hope new year has started well for everyone. I just wanted to share the progress that's been made since Jan 2024 and where I am now to keep myself accountable in the last few steps of the journey. As a background, I was debt free in 2023 but was lucky enough to…
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Trying to get the balance right
Hi all, Long time lurker over here 👋 and thought I'd finally bite the bullet and create my own diary. Mostly for my own self motivation and to keep tabs on myself as I am my own worst enemy at talking myself around or out of situations. I have stalked these forums for a number of years as I find reading other people's…
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Old member returning in tough times
Good evening! I’ve not been on since the forum changed and goodness it’s taking some getting used to. I have to admit to being a sporadic forum user, life often got in the way, things got tough and I would let things slide. Unfortunately this is no longer an option. Not too long ago, my other half was diagnosed with…
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Debts to clear first
So I need your help I have the following : I now earn 30k a year work full time after a year of no work due to illness but I have 2 defaults from sept 25 now on my record one for hsbc £6200 pay £55 a month and other vanquish £2235 pay £15 a month I am in with lowel for another credit card £2250 no default pay £15 a month…
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Chasing that pot of gold at the end of the rainbow
Welcome to my brand new shiny diary. I contemplated writing in my old diary again but that is just a reminder of how I start things and don't see them through. I started my last diary in November 2023 when I had £66k of debt, my total debt now stands at £39,575.66. My debt isn't going to disappear in 2025, I'll be lucky if…
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My husband doesn't know all the truth...
Let me start by saying that I'm crap with money. Give me any amount and I'm going to spend it. I'm utterly reckless with it and I start to feel really bad about it. I honestly think I have a spending addiction. I'm also in debt. Some of it - the credit card and a buy now pay later my husband knows about, and I have a plan…
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2024 - The year to finally be debt free!
Hi I’ve never created a diary before but now I feel like I need to put things down in writing and see it all in black and white As the title suggests I want 2024 to finally be the year I become debt free! I’ve had some kind of debt my whole entire adult life and I need to finally get rid to then move on to the dream of…
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My debt-free journey diary
The realisation A while ago, I was diagnosed with ADHD and started medication. For the first time in years, I’ve been able to think clearly—and it’s been both a blessing and a wake-up call. With this fresh perspective, I realised what a pickle I have gotten myself into with debts, mainly on my credit card. Historical…
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Have grasped the nettle..........now to deal with the ensuing rash
Part many !! If you have just come to this diary please skip to post 1420 ish! Dont endure over 70 pages of my drivel. I have ridden the debt roller coaster for over 10 years.........had a hiccup but hopefully back to it now :) Part 9 !!!!!!! - when I question do I really need MSE anymore:o If you dont what to plough…
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Zero Balance Reboot: My Fresh Start to Financial Freedom... again!
Back in 2017, I wanted to be debt-free. I almost made a good start, but I didn't get there. Here I am to start again. I have a lot to do, but this is my first note to say this is my new start. After working really hard, by the end of 2019, I was almost debt-free. However, things changed; life threw me a dozy of life…
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A Change is Gonna Come.................
At the age of 41 I've come to the realisation that I've lived my life being a bit of a people pleaser and always putting others needs before my own. Today I've decided that it's time to put myself first and focus on my own health, wealth, future and happiness. This is my era and it's time to plan, focus and start smashing…
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Living on a fixed income in far north
I’ve lurked
for a long time before gathering enough courage to start this journal. Today
there is too much snow outside, and I’m tired at knitting long johns because
needles are tiny and it feels like it’s getting nowhere. Why I’m even doing
that? Well, I used to pursue FIRE diligently for a decade. I paid off my debts…
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My ADHD debt free diary 2025
Because of my ADHD I am statistically about 30% more likely to get into debt. Whilst this is itself makes me realise I am not alone it does not help with the constant battles I have with money. Impulse and bargain spending is a nightmare. Even today I have bought 4 loaves of bread in tramps corner (yellow sticker area) yet…
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To new beginnings
Hello everyone, I am starting this diary because I need to hold myself accountable for my spending and keep myself on track. I have had a hell of an (almost) 10 year marriage with an addict who hasn’t worked for 6 years now and has MH issues. He almost got himself into a better place beginning of this year but sunk back to…
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Fresh Diary for 2024!
Hey all who follow along! Here's my new diary for 2024; Last year my beginning debt stood at £295. But now starting 2024 it stand's at £1,104.65 as I lost control and stopped tracking. Here's to being debt free in 2024! My goals for this year - Get debt gone - Buy my house (75k so nice and cheap) - Meal plan/prep - Cut out…
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KMNs diary - curbing spending and maximising saving with a new baby
So maybe a bit random to have a diary when I'm not in debt, but I am about to start my maternity leave (at the end of the month) as we prepared to welcome our first child in early March. We are incredibly lucky to be quite comfortable, own our home (mortgaged) and both able to put some money in savings at the end of each…
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Defaults
Hi, I have fresh defaulted debts. I am taking the approach to ignore all letters, with no payment plan in place, until a court threat arrives. Surely, if logical serves me correct, if these letters never arrive, eventually discounted letters should start to arrive?
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CCA
Hi, I requested a CCA from a debt collector, and they obtained it from the original lender (seven years later). I was making £1 payments. I have a the letter of assignments, and the CCA which actually appears correct as completed by me as I signed it years ago. However, I never received a statement of account(s) as…
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-£40k... -£10k... -£5k... -£3.7k... -£2k to debt free to my first house!!!!!!!!!!
I’m hoping
this message is in the right place. About 2.5 years ago I got to the point where my debts had escalated to nearly
£40k :s , through a combination of high interest loans and credit card debt, across
11 or 12 different accounts. It was mostly built up through consistent overspending and a little gambling, in
a job…
