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£2,576.79 to clear by March
£956.15 on one credit card, interest free period ends 16th March £1620.64 on the other, interest free until the 1st March It's entirely possible that I can't quite manage and end up doing a balance transfer, but this diary is to give me the accountability to try my best. We've had a tricky year financially after my husband…
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Juggling mum/work life, whilst looking after my future self, both financially & healthily
Hiiiii, So I thought it was time I started a new diary as my old one got a bit complicated. A little about me. I’m a mum in my 40’s, my husband works away a lot, I work full time, and I have 2 children a tween and a teen. Along with 2 noisy cats. The last few months have been hard financially, and my work is teetering on…
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YNAB robber needs help to execute the plan
Right, I am going to finally start a diary on here. I am being supported financially by my OH to allow me to help my sister care for my 90 year old father. I have an expensive event in Feb that I need to save for. I have been using YNAB since Feb so I have an accurate record of my spending for 6 months. It's not pretty. I…
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“Debt is normal. Be weird.”
The last time I ventured onto this forum was nearly 17 months ago. I started a diary in 2019 of the same name (now defunct somewhere and gathering dust) which really helped me focus on reducing our debt, whilst simultaneously being held accountable for even the smallest financial decision - there was nowhere to hide!…
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A Ditherer's Diary (again)
I'm baaaack. When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7. Having had a quick read through, a lot of it was me coming and going with a few months/years in between. I…
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The Frugal Hearth: Stories of Simple Living and Living Well
Hello, and welcome, one and all to my new debt free diary! My Journey I started my old diary at the beginning of 2020, a couple of months before the pandemic hit the UK and we went into lockdown. That diary can be found here…
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Stronger, Smarter and Saving
Time to face my debt head on and I thought this would be a nice little corner of the internet to document it. I have about £10k on a 0% card and just under £5k at 5.9%, so I'll start with that smaller card. OH has about £10k across 2 cards too - they're both on 0% deals so we've set them up to pay min payments only at the…
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Onwards and the debt goes downwards!
Hi All Old diary is here https://forums.moneysavingexpert.com/discussion/1000559 I can't do the posh linky things. Things are all changing in the Lucielle household. DS1 arrived back from New Zealand and has moved out to start his new job. Spent most of last week building flat pack furniture from the well known store. DD1…
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A new chapter is ....... FINALLY HERE
So i'm sloping back in with a new diary, been missing (but still reading) for 10 months, MH took a nose dive in October, all work related and quite frankly horrid. After lots of chats with DH,crying and not really knowing what to do with my life I spoke to my manager and as of September I will be working less hours with a…
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Do it for your future self
Hey all, Here i am again, my third diary and each time i come back with more and more debt. I have been feeling so hopeless recently, this debt has been weighing on me so heavy - was it 100 percent my own fault by living beyond my means (yes) but its making me not want to exist i feel so trapped to be honest. I’m not…
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Don't hit me with those negative waves Moriarity
I have lurked for a long time on this forum, then joined and lurked (and lurked some more). Maybe should have gone with an Adams family reference for the title but ho hum I'm here now. I think I'm ready to start a diary even though I've had one running through my head for months as I had my light bulb moment back in…
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Claiming back my life
I’m a mid 40s Mum to an amazing 9 year old and need to make some changes! I feel like I’ve been coasting / existing for most my adult life. Over the last few years I’ve become increasingly aware of my mortality, realising that I’ve probably got more of my life behind me than in front of me (morbid I know!) and it’s time to…
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Debt, Diet and Decluttering - The Lifetime Diary
Does anyone else get the urge to sort every single issue in their life at the same time, get totally overwhelmed then bury their head in the sand or is that just me? I can't just focus on one thing at a time, my brain will not allow it so here I am again tackling the following; * Pay off £7,450.68 - Lloyds CC * Pay off…
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The Mental Debt Struggle...
I've known that this diary needed to be started... But I've run away from the idea as the accountability made me nervous and I didn't think anyone would want to read it. But then I realised it would be financially and mentally therapeutic for me, and that's the whole point after all. I've read other diaries and gained so…
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Deepest Darkest Devon Debt Decisions
Hi All, Well this months debt pay down is going to be a disaster , well instead of the 1000 I try to normally pay it will be 425. It is all my own fault. The weather has been nice, I have been busy with my allotment and my side hustle has come way down the list so the available money has also gone down considerably. I am…
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A new chapter, An empty nest, Drama school & Last year of Uni
I've been on these boards for many years and a long time ago did start a diary when we'd had a windfall and cleared some debt and I'm not sure what happened but 'life' got in the way. Today starts a new chapter of my life as my youngest has just left home (albeit temporarily) for her to access a drama course in a different…
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Road To Financial Recovery
Ah, time to get back into the race so to speak, can’t believe I am doing this again.It is time to start taking finances seriously again. It is a rubbish feeling to be back in a position where I feel my finances are back in a mess. There isn’t any major debt so that is a positive of course but feel like a plan is needed…
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My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
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Time to get the monkey off my back!
Hello! My first time posting here, have been a lurker for a long time, but after reading the most amazing diary over the weekend by @EatingBeans, I'm ready to start my own. I have spent most of my adult lift in debt. When I had hardly any money, I managed it brilliantly, debt free, staying within my means, but as the money…
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Living Large, on a Small Income, by the Sea.
I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…
