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Facing up and cracking on
Hi We are in debt and we need to face up to it as I do not want it to define the next few years of our life. In a nut shell, we moved to a house that was slightly over budget and did a lot of DIY. Debt as of July 2016 £20,485.45 We don't act like we're in debt, we just carry on as normal. I am hoping this diary will help…
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JC's DIREy
Unfortunately I'm back. I've not been on the forum for over 7 years and things in that time have been up and down. I came back across this forum having started thinking properly about money, and resurrected my old account. It was fascinating (in a weird way) to read my single thread from back then. In a stream of…
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New Adventures Debt Free
Hi all As I'm sure is a somewhat common story, over COVID and the cost of living crisis we really struggled with I've recently been offered a new role in Australia, and have arrived a few months ago with a relocation package from work. Unfortunately the interest is just too high to be workable in our UK debt anymore. I've…
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Time to act like an adult...
Pretty much what the title says really, it's time to stop making silly decisions and finally get my life in order. I've made pretty much every bad financial decision a person can make. Payday loans, high interest credit cards, I had one CCJ years ago that thankfully is gone from my credit file now but I have a handful of…
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I can do it: £41,000 debt in October 2023. Debt-free in March 2025?
Updated Debt-Free Plan October 2023 I updated my debt free plan to including paying off secured debt (including student loan). Now buying house in Autumn/Winter 2024, pushing back my DFD by 1 year to 2026 (was 2025). Starting debt in October 2023 Total debt: £41,265.45 -Credit cards: £12,532.70 -Loans: £11,248.18 -Student…
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Diary of accountability... in all aspects of life!
Hello This is my first diary here, which I am hoping will help me take some accountability not just with my finances but other areas too. As well as getting my finances on track I also really need to lose some weight (about 4-5 stone ideally), and de clutter my home! Clutter is mainly things accumulated from the children.…
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Getting It Together one step at a time and wedding planning
Hi everyone :smiley: I've been lurking on here for a while now and I think its high time that I get my !!!!!! together! I am pretty high earner (£80k) but I have barely any savings and very much feel like I am living month to month. Over the past 4ish months I've been trying to consistently save and stick to a budget but…
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Renovation Spiraling Debt - Reduce Debt Cost
Good morning We moved into our first property over a year ago and have spent a considerable amount of money to modernise including some extensive building work. Unfortunately (or stupidly!) the costs were all paid by credit and as you can tell from the title those costs spiraled! I am looking for some general critique of…
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Geriatricmum vs inner voice: A monologue
Me: "Kids are at school and nursey, workout done, kitchen clean, 100th wash in the machine.... Time to relax with a cuppa and maybe browse the sales." Inner voice: "you have £44.39 in your current account and zero savings" Me: "yeah but I can pop it on the credit card!" Inner voice : "you're currently using over 92% of the…
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31st December 2025 - coming for you
Just making a literal 1 sentence start. Figures and more detail to be added in the next few days.
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CCA on fresh debt vs old
Hi, I posted here before. I am just about to have a new waive of sold/passed on debt. I sort of assumed if I put in rrequests to see CCA they will likely find them, as they can ask the original lender, being a freshly sold debt. Second option, wait until six years passes and then ask, as there would be a better chance of…
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Budget with me one week at a time
As the title suggest I’m back with more debt than I ever had before. House improvements, holidays and it all just crept back up over the years. The usual story of credit cars, then loans to pay the credit cards off and now both credit cards and loans. But also for the first time I’m being refused credit and refused 0%…
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Light at the end of the tunnel
Well, after many, many years of struggling with debt, I seem to be able to see the end !!! Got my car to pay off, will be able to clear that in 19 months. (Work Sharesave) Still have my DMP to pay, but, i have that in hand and will be paying it off in 30 months (Work Sharesave 2) The capital from these is safe, so, i will…
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Getting out of a vicious circle
I can’t believe I am writing this but I have over £7000 in credit card debt and I need to sort my finances out. I have always been a saver and very rarely spend money on myself but since having children not only have I not been able to save, I have relied on credit cards to get me by. It started when I went on maternity…
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Scottish Time To Pay claim dismissed today
I have a £2.5k debt with PayPal from 2018.They took court action against me via the Scottish simple process. I accepted liability and responded, within the correct time, with a Time To Pay application. They did not respond within the time allowed and, as such, the case was dismissed today. Are they likely to lodge it…
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DrSpendingLittle's New Home - staying accountable and responsible
I think this is the right way to start a new debt free diary... :# I can't access my old diary 'Reducing Debt - being accountable and taking responsibility' as my account can't be accessed / logged into :'( :'( But, fear not, I've set up under this new yet familiar identity! B) I am (still) debt free and in the early…
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Slow and steady only works if you're moving
I’m starting a new diary as I didn’t keep up with the old one,
and though not much has actually changed, I’d like the accountability. So, what’s
changed: I graduated and started working at my local hospital, this has
been a big change as I’ve only ever been self-employed before. I’ve struggled
with childcare since day 1, I…
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This time I mean it so looking for help
As the title says really Too much debt (about 8,500 not including mortgage) Every new year I resolve to pay it off and get some savings instead Every end of the year, there it still is So I’ve started this diary for some support and accountability and advice So far I have switched £6500 onto a 0% card Todays plan is to pay…
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Finally Debt Free After 34 Years, But Still Need to Live Frugally
My DH and I have been in debt for 34 Years, apart from brief periods, ever since I was offered my first credit card at the tender age of19. Our debts were caused by us being impulsive spenders and not being very skilled at budgeting or managing our money, so we know it is our own fault. We always believed that one day we…
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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…
