Debt free diaries

I'm starting this diary because I need to get on top on my spending and some small debts. Background: DH was in charge of finances for the first few years, only he was dreadful but I wasn't much better and together we built up debts over 50k. In 2007 he had 6 CCJs and we were on the brink of losing our home. So I joined…

I've decided it's time to start a new diary as the old one has been on the go for a number of years and I feel a fresh start would be good especially since I have less than £600 left to pay off the credit card. I'm hoping to stay debt free this time and hoping a new diary will keep me focused on this. My first diary was…

Aaaand herein begins my new diary, where I hope to capture the ups and downs of the journey. In other areas, it's been fun to read things back several years later and experience those "oh, yeah!" moments, so hopefully that will be the case here. As of 01/11/24 I have cleared a 0% balance transfer card within the 3 month…

Hi guys It’s that time of year again to make decisions for the future so here I am. 2025 is going to be my next step towards retirement, as it’s less than 4 years to when I get my state pension. I’d love to give up now but can’t afford it so baby steps, I currently work 4 days a week. So this years aims are, Moving home as…

I have been lurking here for far to long, a previous attempt at a diary fell by the wayside very quickly and now I need to sort myself out. It's not going to be quick, but I need to get debt free and it's starting to make me stress. Back soon with an SOA and a plan! Xxx

I have never done this before but decided to pop a diary on as the thoughts are driving me mad so if I can have an outlet hoping that will help. I am obsessed with planning, crunching numbers, looking at dates, I am driving myself absolutely crazy. Plan is: avalanche debts and save for a deposit to buy our first home. My…

I've spent a lot of time reading threads on this forum, and it's been incredibly helpful. More helpful than StepChange (and they were helpful).

I am starting this diary after already starting one but giving up and basically still being in the same situation over 2 years later - really let myself down there haven't I? I want to use it to record my spending, money making efforts and general day to day organisation of my life. I currently feel completely stuck in a…

So I have got myself in to debt. I'm in a fortunate position in a way, my husband earns a decent wage and pays the mortgage and all that main bills. We have a joint account which I pay £150 into, the family allowance goes in and he pays the rest, everything comes out of there bill wise including mobile phones. Our wages go…

Hello everyone I'm posting this new thread to track my journey to being debt free by the end of 2026 and living with a more content attitude. My main goals: Chip away at my debts without adding to them Control my impulsive spending Cut down on costs Be happy with what I have I struggle with my moods a bit and probably have…

Hello! Sorry if this in the wrong thread?? im starting my debt free journey 😃 we are 30, engaged and no kids. current debt myself: CC £10k PCP £12.5k - I sold my car today and made a profit after paying the finance off!! overdraft £800 my partner: overdraft £600 after recently paying off a loan PCP- £15k - he is overpaying…

The meantime is the time between two events. The two events that bookend my meantime are a death and moving into my long term home. In the meantime I will rest, practise self care and kindness. I will be planning and plotting for the next phase of my life. My beautiful relative died and was buried the week before…

Hello I'm Nat and I've been a member of this forum for years, I've even been on the Debt Free Roll of Honour in 2014 when I sold my house and paid off £38,000 of debt. Here I am again though in another £30k of debt and this time starting a DMP with StepChange, all of my paperwork has been sent to them and pending…

Time for a shiny new diary! It's been so long since my last post in my old diary that it appears to have been closed! Link to old diary here! https://forums.moneysavingexpert.com/discussion/4590301/over-the-rainbow-and-happy-ever-after I haven't posted in 4.5 years! It is so inspiring to come back on MSE and see that…

I initially started a thread a few months ago after realising I was struggling with my debt I don’t, in the grand scheme of things, have a lot of debt but have a lowish income and little disposable money to throw at it currently so it’s slow progress I have 10 debts, totalling just over 5k and made the decision earlier in…

Hello We are a family of six (myself, husband, 10yo,9yo,7yo,5yo) living on DH's income at the moment. We went through a tough financial patch around 10 years ago and managed to clear all our debt, and then started paying down our mortgage - we had a mission to be mortgage-free before we were 40. Then we somehow got a…

Hello all, been around the boards for a while, had a few diaries but never really kept up with them, but this time it all has to change. Life is absolute awful and has been for most of the last 10 years and just need a break so really going to try hard and make it count. Apologies now for the long post but need to get this…

So here goes... :# I have been a silent watcher and lurker for a long time and I guess I have always had an issue with debt. Its something that I haven't ever really understood- not the literal debt part- but the why I do it part. I always have the best of intentions 'ill get this loan to pay that...' 'you only live…

I’ve decided now is the time for a new diary. My previous had lost its way a wee bit, but it’s time to draw a line. My mortgage is up for renewal in 24 months, so I’m using the next 2 years to clear as much debt as possible so that the undoubted increase in mortgage payments won’t cause too much stress. This last year I…

So after decades with my head in the sand, I've had a wake call in mid October and realised this stress can no longer carry on and it's time to wise up and take responsibility for a more fulfilling and meaningful life. This ultimately means I am now on a mission to live within my means and not beyond my means. I have never…