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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 again?…
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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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The Ups and Downs of my Emergency Fund
After many years of being in debt, from my early twenties to my early fifties I (well we) managed to get out of debt, including paying off our Mortgage. But I still can't manage to get a decent Emergency Fund under our belt. Each times we get a half reasonable sum ie. £500 some expense comes along and we are back down to…
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The end is in sight!
After nearly 10 years of being in some degree of debt (twice before it was almost all paid off) I am determined to see it through to the end. I'm starting this thread somewhat in the middle of my DF journey, in the hopes that it will keep me motivated and on track! Pre-Covid, I had about £1k in CC debt. During 2020- 2021,…
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0% Virgin Card accidental purchase
We have a 0% transfer Virgin Credit Card but I accidentally used it for a purchase will i now be charged interest on the entire amount on my card or just that over the transfer amount?
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Aiming for debt free in four years
Hello - new to the board but likely to be around for a while! I’m determined to tackle my unsecured debt. I have a lot - (47k - equivalent to a year of my salary). I’m at the point where I can no longer switch any more onto 0% cards until I get my total borrowing down. But the interest is high and so if I don’t tackle it…
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Clearing my debt after 25 years
I’m quite new to the forums and not to sure I will have done this right but I wanted to start a diary because I need some forums friends to keep me motivated. My story is a long one! We all have reasons why we ended up with debts, mine has just been some bad luck and some stupid choices! I won’t bore you all with those…
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A plan for Debt-free journey
Hi all, After years and years in a vicious cycle relying on credit cards. I’ve decided enough is enough. I’ve come to realise that I should have managed the household finances way better in the past and I do feel disappointed with my self, but on the other hand I know I had to do what I’ve done to keep things moving. My…
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Becoming A Budgeter Extraordinaire Again...
Well Diary, It's been a while since I was last here, and even longer since I was successful at being accountable to my diary & posting regularly. I plan on doing a lot better this time around, as I really need to be accountable, pull myself up by the bootstraps, and stop the chain of events that has ended with me living in…
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On the edge of a cliff
But I've managed to drag myself to safety (still windy though)..... Hi everyone, This is my diary to becoming debtfree. I've recently received some inheritance money and will be paying off some of.my debt. Please take a look at my spreadsheet. I'm due to receive a payrise in Jan of around an extra £100 per month which…
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My accountability thread - diary of an in-denial credit card spender
Hi all, long time lurker of this site and I love reading the diaries and being inspired by how well everyone is doing. I thought that adding my tale of woe here might finally give my head a wobble and help me get on top of my debt. In short, I'm a total spendaholic who thinks that credit cards are free money. I put…
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Mrs. P's Savings, Paying Off CC, being more organised diary
I've now taken early retirement. Sadly I've built up CC debt yet again, but is only on one card and it is the only debt I have now. I really need to get this paid off, whilst also saving and making ends meet so I don't need to use the card again. I have decided not to stress and panic about over-paying (which is what I…
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In my 40s will I ever own a property.
So I have been in debt most of my life and have had diaries on here before but never kept up with them. This year I see a light at the end of the tunnel (sort of) and want to be kept accountable. So here goes... I have my finances split into different areas: focus, SB,
affordability complaints. £4412 – main focus £7694 –…
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The Spaniel man with a 3 year plan
Hi All, I don't expect many to comment at all, this is more of a personal accountability thread for me. I'm 29, live with the GF in England and we have a joint mortgage together. Due to bad decision, some old gambling debt and spending outwith my control I have refinanced all my debt and I want to tackle my spending going…
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A different pace of life
Hi everyone I'm not new here, but I've just recently signed up so I could start this diary. I've read so many helpful things here. Thank you to everyone who takes the time to post - you reach more people than you know. <3 My situation is not an emergency. I have 2 credit cards and a car loan and I pay just above the…
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Credit Score effects by moving money from a main account to a saving account with the same bank prov
Hello folks, I hope you all good. i would like to ask simple question which I can’t find a answer for it. I’m debt free since 2023 June. I managed to save up a couple of thousand £ on my main account. The same time I opened a new debit card for £500 limit to improve my credit score. Before when I opened debit card £500 my…
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The Lightbulb is definitely ON
So a new thread and linking my old, illuminating (at times very hideously dark) journey to being Debt free here - https://forums.moneysavingexpert.com/discussion/4432077/oh-my-life-light-bulb-moment/p1 What a life! But I’m here. Still standing. Pleased to be still in the black and aware I need to tighten my reins a little…
