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Keeping afloat till I can get round to the debts!
So here goes with a brand new diary. With the financial situation across the country as it is I'm going paycheck to paycheck and debts seem to be going up not down. It's time to take stock. Focus on the money actually lasting the month and forming a new plan. I've never been one for following the American debt fella but I…
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10 years later yikes
Hello all Here again for round 2… my first diary https://forums.moneysavingexpert.com/discussion/4529627/can-i-do-it/p1 I’ve just looked back at this and as much as I really thought I knew what I was doing, it’s crazy to now see 10years later here I am. I was in my 20’s and ambitious and honestly looking back on it now how…
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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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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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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…
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All change for 2025
I thought I'd start a new diary to have a fresh start. After almost 21 years in my job, I've recently been placed at risk of redundancy. I'll find out for sure in the new year. If I manage to successfully challenge the redundancy, things will be very different at that employer next year, and if I do go, there will be a…
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taking responsibilty to get me where I want to be
Good morning MSE'ers I have been reading diaries for the last few months and have found peoples stories so inspiring that I am hoping for some company on my own journey , this will be my own log which hopefully will motivate me at times of bleakness so I can look back on any progress I have made My sitituation is quite…
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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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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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Moving on
Welcome to my new thread: my old one is here: Cherry takes the reins — MoneySavingExpert Forum and my very old one is here: Coffee and chocolate — MoneySavingExpert Forum Quite a lot changed in 2023, and now it's time to move on. I left the job and career path I'd followed for many years and don't feel I can or should go…
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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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Back again
Morning everyone, I closed my DF diary a few months ago for various reasons at the time. However on reflection I think I haven't been myself for months , but I feel myself coming out of the place I've been and wanted to be back here. The last two years have been very testing with RL things going on in the back ground but…
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Three years to get debt free
Morning, I have had a diary on here before but had to close it down. I am a single mum with an 8 year old DD. I have found myself in debt since the age of 18 when I went to university and have been in it ever since. I decided to change this in 2017 and then found myself a single parent in 2018 and having to attain more…
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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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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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Walking into another chapter ...
Welcome one and all ... to those of you who have managed to avoid my diaries until now as well as those loyal ones of you who have stuck around over the years, thank you :) So another year is about to begin and now seems as good a time as any to start a new diary. This will be my 11th (I think?), I've been around here…
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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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£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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Busting this debt before 40
Time for me to de-lurk on this thread and start my own dairy. Long story short ish. Away on work last year all my co-workers talked about pensions. Then realised that I wouldn't get my state pension till 67. Also my work pension doesn't kick in till 67 either...(There's like a mini pension for when I've done my contracted…
