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Debt free in less than 2 years - Which card to pay down first?
Hi all, I've decided to start this debt-free diary as a way to keep myself accountable and on track with paying down my debts. I have a debt free date goal of December 2026. I'm just not sure where to start and what card to pay off first? Here are a list of my debts with the interest rate and balance. I do have 2…
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Struggling along as best I can
Hi everyone, I have just been catching up on my banking and budgets and I am really fed up of getting to the same point of having very little for the last 6-10 days before I get my pension. Don't get me wrong my bills are all paid and I have no debt and I only need to buy just a couple of bits of food (coffee!) But I'm…
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Debt management plan paid off in under 4 years
On the 1st of July we make our last payment on our debt management plan with Step Change! It has taken under 4 years to pay over £9000 in debt - this because of lock down and loss of income during that period. It has been tough, we started paying £88 a month, and we have been paying £400 over the last 6 months. Things can…
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Frugal, thrifty, make do, mend! Let this debt come to an end!
Hello all, So by my reckoning, that magic spell in the title should take about 4 years and 4 months to take effect at current debt repayment and spending rates. :rotfl:. However, there is no harm in trying to help things along a little, is there? I am recently divorced and live on my own in a rented house with my 2 cats.…
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Beginning of debt free journey...High income, high debts, expensive pets
Hello I posted a few days ago on the debt free wannabe board about my sorry state of affairs. I have received some good advice already and wake up calls. I thought I'd start a diary to share my journey, keep myself accountable and perhaps help, and seek help from, others in a similar situation to me. I'm in debt to the…
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In a rush.
Morning. I've been here before, but deleted my account as I probably overshared and then panicked that somebody I knew would read it. Me in a nutshell..... 2010- left my children's dad. He was abusive. Walked away with all of the debt. 2016- Had to sell the family home as I could no longer afford to maintain it or pay the…
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I have a plan - so everything is fine
First of many posts….Currently I’m 49k in unsecured debt. I’ve posted SOA and had some support and so I’m going for a DMP. This was back towards the end of June/July so thought I would post what’s happened and where I am. So my SOA compared to today…..isn’t it strange that in my head I was thinking I was paying £1400…
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Small steps clearing debt with paws by my side
I’m writing this before I think about it too much and chicken out. It’s terrifying laying everything out and even more terrifying posting it. I’m just trying to remember that even though my situation feels completely awful, I’m sure other people on here will have been in similar situations and worse. Disclaimer: I am very…
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Facing up and moving forward
Hi everyone, Newbie here who's been lurking reading and getting inspiration from all your threads for quite some time! I thought it's time for me to start my own, for accountability and to face up to uncomfortable financial truths I've been avoiding. I love reading about how others are sorting out their debt and hope that…
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Credit? Never again!
Hi everyone. I wanted to start a diary at the very beginning of our journey. We have debts of £70k. We've been trying to keep going, paying them, juggling credit cards, hoping we can increase our income enough to cover it........ but realise we can no longer bury our heads. I'm autistic and our family life is quite…
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AAAAAARGH
Hello! I thought that I should set up a diary to hopefully hold myself accountable for my finances. So to preface this I am 20 years old - yep… quite young. I’ve just set up a debt management plan with StepChange for my £7k consumer debt, with it costing about £170 for just shy of 4 years. How did I get in this debt? Well,…
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A marathon not a sprint……
I’ve been knocking around this board for a few years now, but never been consistent with posting. I’ve decided to start a new diary to celebrate the small wins and help to keep me accountable. I feel like I’m at a bit of a crossroads in my life and feel motivated for change and improvement in several key areas of my life.…
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Never-ending story
It’s been about 6 years since I last had a diary and a lot has changed during that time apart from still being in debt. So a quick rundown I work in education, I have three children who live with me and three who are adults and live elsewhere, my relationship broke down in 2020, my mom passed away 2 months later, my nan…
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Debt free and staying that way while I re-evaluate life and keep blood sugar levels down
Well dear debt-free aficionados, after reading and commenting on so many diaries on this board, I am launching myself into the abyss! Although debt-free now, you do all feel like my tribe because over 3-5 years several years ago, I did manage to.pay off £140k. Yup, that's right; no need to clean your specs though please…
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Silly Goose Indeed...
I am very nervous about posting online, but opening up to my family in the last few days has made me realise talking about it actually helps. I am notorious for bottling up my problems and not talking about them and it doesn't end well so here goes. I think I've made almost every bad mistake you could ever imagine, I also…
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About time, I stopped hiding
It seems it is finally time to stop hiding, and start doing something about my debt. It all started, as it did for many others, in lockdown. My husband had been the victim of a terrorist attack and both of us were (still are if I'm being honest!) suffering with PTSD, I was finishing my PhD (after my funding had ended) and…
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Oh look, another new start!
I really need to get serious about my debt. I'm an adult, time to be an adult. I'm 35, married, 1 child (with my ex so share 50/50 custody), 1 dog, 1 cat. I also have a partner in Ireland (polyamory is a thing, let's not make a big deal out of it) so I do have to encompass some travel in my plans. I don't have to, I…
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Moved: DRO partners mortgage
This discussion has been moved.
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Time to stop being frivolous!
I'm biting the bullet and starting a diary! If anything I'm hoping it'll help me think a bit more about avoiding frivolous spending and remind me to get better at keeping the cards in my pocket. To quickly introduce myself, I'm 31 and live in London with my boyfriend and our rescue cat. I'm fortunate that I work full time…
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Shuffling My Feet
Hello, Internet. You can call me Detty. I am starting this diary in the hope it will let me one day look back and see my progress. That, and I have found other peoples' DFDs to be so helpful to me, so perhaps some parts of my journey might help someone else. My debt journey starts in 2017. I am exceedingly frugal but on…
