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I've just realised ...
I have managed to get a new job, just worked out what my wages will be - thanks MSE wage calculator and they will increase by a third. This surely will make it easier to pay off my debts. I also have two side hustles so will need to keep working at them to make the most of this increase. I am just so excited when it…
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My Intentional Journey to Debt Freedom
Hello everyone I have been following along for several years but only started posting recently. I have followed some inspiring journeys on this board and been amazed at the progress people have made - yet somehow never applied it to my own situation or considered that the lessons might be relevant to me. A little about me…
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My accountability Diary for £42k!!!!
Hi, I've been a lurker for a long time and have finally decided that I need to start my own diary to help me stay accountable and get these debts gone. We are just about managing with a very tight budget but I want to try and cut things down more as I know they can be, I just need to keep track more of spending and stay…
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Budgeting by the beach
I've been on here lurking for some time, and I think it's time I started my own diary and keep it updated. I originally tried to get this diary started in 2021, but just wrote one post which I then deleted. I've decided to resurrect this one on Friday 6 May 2022. Last year I decided I needed a fresh start, so I moved close…
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Finally seen the light…
I’m 28 with two children and live with my partner. I have around £3,000 in debts. I earn £23,000 a year, hoping for that to increase to around £30/32k in around October time when I move positions. I’ve always been an overspender to the point it’s become a secret addiction. My partner is aware of my situation to an extent…
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Life After Cancer - addressing debt
I'm terrified to even work out how much I owe but I know I have to start somewhere and have come here to learn having just received a CCJ. I will be trying to take a small step each day. Since 2014 and our family's discovery of BRCA1 inheritance, ovarian cancer has killed my sister (2020) and my mum (2022) and breast…
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One eye on the future ..one eye on the past
New Diary think I got lost in space. Debts are slowly reducing,I sort of have a three year plan ongoing which should mean we are very comfortable in the middle of the year 2023. I'm resigned to this being my abode ...hate my house ..hate my neighbours For that time I want to be in a good place financially to move at that…
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Dans Debt Demolishing Diary
Hi all, I have posted here before, but some life events happened and everything took a back seat so I am starting a fresh. I am determined more than ever, and now have my wife onboard and fully involved with this. We want to get rid of the debt we have, outside of the mortgage and start saving emergency funds and a holiday…
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Getting rid of that debt in 24
I owe £1250 on credit card and want to get rid of it. I can afford the interest but that's not really the point. I can afford to pay off around £150-200 per month so I should be able to get rid of it in about 6 months, by May 2024 or at least by November 2024. I don't have any major expenses projected for the first half of…
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Washing Away My Debts By 2024
I have spent sooo many hours on this forum reading such a brilliant collection of people's debt free wannabee diaries and I have never felt more inspired to tackle my batch of debts head on instead of waddling on by every month paying off the minimum hoping that one day they will simply vanish. My current debts are as…
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My Debt Detox
Evening everyone, I've taken the first leap into clearing up the mess of debt I have accumulated over the years, and frankly feel petrified. So thought by starting a diary I can (hopefully) look back in the future & give myself a pat on the back for getting things sorted. Debt crept up on me through a mixture of poor…
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Get a grip woman!
Having been reading a number of people's debt-free wannabe diaries for some time now, I have finally decided I will start my own. We are less than three years from wanting to stop work, and less than ten years from state retirement age. I manage our household finances and DH lets me get on with it. His attitude is more…
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2024 - Let's go again
So I'm starting 2024 with my debt at a little over £31k - still sounds so bad but considering it was £50k when I had my LBM in 2022 it's not so bad. I'm paying £700 per month towards debt and all but one account has been defaulted. Which makes me think about how best to tackle that. Defaults will start dropping off in…
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Rainbow Rhythms Debt Diary
Hello. I used to have a Debt diary a looong time ago. Then I didn’t. Not much has changed. Except after years of repelling men I got an unexpected husband. The numbers at 07/06/2024 9 months to end of DMP. about £17,000 Then £4,000 not on DMP Mortgage £73,000 - 1 bedroom flat with plans to move once DMP is over. Plus Very…
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Desperate to retire...
Hi I'm a single mam with a teenage son, spaniel and 2 🐈 Until a few days ago, I thought I had 6 months leftt on a loan.. nope it's 18 months. Over the last couple of months my cat ran up £500 at the vets and the car needed repairing.. after all it does need to be able to start.. that was another 500. So I've worked out my…
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Time to reverse a 6 figure mess. Owing up and taking responsibility.
Hi, I posted on the DFW board last week - https://forums.moneysavingexpert.com/discussion/6532304/last-chance-saloon-before-insolvency#latest We are in our early 40's with £102K of unsecured debt. We knew it was bad but it took me writing it all down and adding it up before we realised the extent of the mess that we had…
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20 year debt with family plus interest
Hi All, im looking for some advice about a never ending loan I’ve had with a family member. I’ve borrowed and paid back over the years and my debt is now at around 30,000. They’re charging me £200 a month interest and I can only afford at the moment about £350. Making this never ending debt drown me. I have not borrowed in…
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Goals and budgeting - my diary
I wrote a beautiful post about my situation and at the end of it I cut up my credit card in triumph. I gleefully came back to press post and my thumb knocked the keyboard, pressing the back button and deleting the post. And that, is how my diary begins.
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Large renovation, tiny budget... lets go!
Welcome to my new diary! To set the scene: In the last 2 years we have slowly paid of just over £10,000 of CC debt and last August decided to take the plunge and move to our dream house. I call it our forever home, DH calls it the last but one forever home as he wants to be closer to the sea. We're a 10 minute drive! It's…
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I want to stop drowning
Hi, I am not sure where to start or what I want from this but here goes ... We are in major debt and things seem to be getting worse, I have been looking at this site for years and know there is no point me posting my soa as we literally can't cut back any more e.g food shop for fam of 5 £240- if you can help me reduce…
