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Not far off.....
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Should I sell my car to clear debt?
I have £1000 debt on an interest free credit card. I'm £200 overdrawn. WeBuyAnycar is offering me £9700 for my car, and its only got around £7000 left on its finance. Should I sell my car to clear my debt, and get a different car? I'm currently paying £220p/m on its finance. The thing is, I know cars have went up in price…
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Very long journey ahead, time for change is now
Hi everyone :smile: I've been away a long, long time and it certainly shows in my level of debt :disappointed: Made the decision to day to come back to forums to start a thread which will help keep me accountable. Very brief summary of us! Married, 4 kids (2 older, 1 lives with us) 2 dogs. Moved into forever home in 2022.…
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Going Debt Free With Salary Finance
Here we go on the journey to being debt free and being more senible with money. I previously had a salary finance loan of £3,000 to buy a new car and that has finished and they asked if wanted another... At same time my fluid card wanted £115 minimum payment for hitting £3,000 (active) with the APR at an eye watering 49.9%…
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Back For Good…Promise!!!!
Hi everyone My name’s Emz and I love starting new diaries and disappearing for months/years at a time!! 😂 Seriously though, we are heading into a bad time financially and I need somewhere to post, let off steam, get advice and feel generally motivated to get things in order and keep myself in check/on track. My landlady is…
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Combining 3 credit cards from the same issuer
I have three Virgin money credit cards, all with a zero balance, and all with different credit limits. For ease, I would like to combine the three cards, and their credit limits, into one card. I thought this would be possible. However, after speaking to Virgin Money on the phone, they have said they don't do this. Is this…
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Messed up again
Hey guys. I am so cross with myself, I have got myself out of debt so many times in the past, and yet again I find myself over £9k in debt at the age of 45. I haven't told my husband, we are only £6k away from paying off our mortgage and he's excited to start 2024 debt free. I need to get this sorted ASAP but need to do it…
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2024 New Home New Goals
Hi everyone, as most people do I have started this thread to keep me accountable. After a messy divorce a few years ago I am just waiting to complete on a new property I have bought, just me, I have a partner but we live separately. At 56 its daunting taking a new mortgage but its affordable, more about the details later,…
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I did it 'My Way'. Went from debtor to doyen in under 12months...
Having had a major split up, I was left with about £9k of debt plus a constant struggle with mood and mortgage. Step 1: I tidied up Step 2: Went back to the gym. More steps tomorrow...
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Start of my debt free life diary/journey
Day one - Day after my dreaded phone call with SC to admit my faults at having taken on new debt whilst in a current DMP with them - admitting I messed up due to my uncontrollable spending habit & cost of living caused by my Mental health - depression/anxiety/ADHD. Determined more than ever to take responsibility after…
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how to beat the creditors,my method, thinking outside the box
myself and wife got into financial difficulties over the last 10 years, bought newish cars on credit, then only paid min on credit cards, then dipped into them. debts were £53,000 including cars. so in Dec 2021, we read about stepchange, we got a dmp immediately, we sold our cars and got some car equity and got one old…
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Ready For My Fresh Start
Hello to anyone that reads this! Today has been an exhausting day of talking to debt agencies and directly with some companies who still own the debts (which the thought of caused me no end of anxiety) so I thought I'd finish off my day of 'bravery' by finally signing up to this forum. So... fresh start. Pending all the…
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Debt clearing and saving so I can retire (soon!)
Hello, I haven't been around here for a while, but thought I would start a nice, new diary for my journey into retirement. I'm dreaming of moving to the seaside and starting the day with a walk along the seafront. I'm not in a good financial position to do this - too many bad decisions along the way, but there must be a…
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My debt free diary.. 15 years later
As the title suggests, I've been here before. I managed to find my original diary from 2008 as I could remember my user name but couldn't recover my account 😔 https://forums.moneysavingexpert.com/discussion/799711/my-debt-free-diary/p1 So I've managed to go back around in circles and end up back where I started with…
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181k in Debt - Need Help
So, I guess this is the start of my debt free diary..... Oh boy, I just worked out my debts and I cannot believe how much I owe. I bought a house within the last 6 months, I've done the house up and it's now worth £65,000 more than we paid for it. The plan is (and always has been) to do the house up and remortgage in 12…
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Life is a journey to be experienced, not a problem to be solved…
Hi all, F26 Finally facing up to a situation that’s been getting rapidly worse since I was 18. Fed up of feeling self loathing, judgement for myself and full on misery. Struggles with gambling addiction (in recovery), payday loans, cost of living, mental health struggles, financially supporting an out of work (now ex)…
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Oh pants I messed up BIG!!!
Ok so I have been lurking in a major way for the last 2 weeks after having my lightbulb moment. I have had a pretty rough 2 months and lost both of my bears (labradors) in quick succession (they were both very old for labs) and then I had a minor breakdown over everything and my finances came bubbling out to my OH after…
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Accountability Queen
Hello everyone :) I've had a couple of years of big expenses, some expected and some not. Our house desperately needed new windows and then earlier this year mine and my husbands cars needed work doing unexpectedly, I actually had to replace my car in the end. We have a holiday booked for summer which was booked a long…
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On the path to financial security
Hello! I’ve struggled with money management for around 10 years, ever since I left home aged 15. I’m in around £10,000 of debt from credit cards, store catalogues and unpaid bills (not through being unable to afford them, just through becoming very overwhelmed and avoiding the issue). I’m in a much better place mentally…
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Cleared - Fresh Start
Cleared - New Diary Started
