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Advice Please
Good Evening People! I don’t know how to start but here goes. I have always had debts but have always managed to stay on top of them until recently. I have 8.5K with Barclaycard these being multiple balance transfers paying £400 a month but due to be charged more interest as coming to the end of my 0% offer. I have 3.5k…
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Debt a day
Hi all I did this many moons ago and it just helped massively to see the figures going down, I've got back into trouble again so I need to make a concerted effort this year so here goes: MBNA credit card 0% for 12 months- £7,941.87 Tesco loan 7.5% - £13,193.56 (40 months left) Total: £21,135.43 I have already paid off…
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The Challenges Of Finding Solitary Refinement ..
https://forums.moneysavingexpert.com/discussion/6086376/system-failure After taking the biggest gamble of my life 5 years ago I now have major hurdles and obstacles to overcome once again. While being last to leave in good company, I prefer being on my own which is somewhat more of a challenge imho as there is mostly only…
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Mortgage Holiday
Sorry but back again (twice in 2 days), What do people think about enquiring about a mortgage break - should I/us feel embarrassed if we do?
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Muddling millennial - can’t keep on this way
Today is probably the 5000th time of sitting with my laptop and notebook while I’m home alone and going through all of my finances to see if I can do anything to make it just a little bit more bearable. I’m 30 now, but this is all started when I turned 18 and got my first job in a bank. Ironically, this is probably the…
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Dolly's Surviving to Thriving...............
I know, I knowwwwwwwwwwwwww - I've had many many diaries before but it's a new year and I want a fresh start with new goals! 2024 Pay off all unsecured debt Close credit card accounts Make 2 mortgage overpayments Restart LISA Save for Christmas 2024 2025 Make 10 mortgage overpayments Re-mortgage Add savings to LISA Save…
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Not my debt but is in my name
I am being pursued by Lowell Debt collection Agency for a CCJ which is in my name but not my address… original debt was T-mobile, which I reported to Action Fraud in 2015, as it’s not my debt, apparently the CCJ was made in 2013 …. I was only made aware of this CCJ in February via Lowell as they bought the debt, I have…
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Well, here I go again...
Well, here I go again. Maybe we can get to the end of this diary actually out of debt and not just because I've forgot to post on it and it's lost somewhere. March 22 was the last time I updated my last diary.There's still a few diaries about with names I recognise. I need to check what we owe to get accurate amounts as we…
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Obtaining a Credit Card
Morning All, I hope all are ok, I've not been about for ages but have a question please, hope it's a simple one? Is there a chance of me being able to get a credit card whilst on a DMP? x
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One Payment at a Time
Hi Everyone 👋🏻 I was a member of these forums a good while ago, but ended up drifting away and my old account is inactive. Back then I had a bit of debt and was trying to stay afloat. Now I’m older (not wiser) and part way through my debt journey once again 🙈 I wanted to start my own little diary here for becoming debt…
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Is My Situation Completely Hopeless?
Hi All, It has been almost 10 years since I was last on this forum and I am back here looking for a way out. So basically, I have found myself in around £47,000 worth of personal debt all in credit cards. There are 5 credit cards in total. I owned a business which which did really well for years and I employed staff…
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A Cup of Coffee and Two Paracetamol - Debt, Disability and Getting Organised
Finding courage to start a diary and stay focused, and have some support and accountability with other people. I am at a point where I really need to focus on managing debt and organization of money. I am entirely embarrassed by the amount of debt I have (vs income anyway) and it's making monthly budgeting a juggle and…
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Moving from StepChange to Self Managed DMP...)
Hello all :) I've been on a DMP with StepChange for three years and my debt currently stands at £2,555 and I owe to six creditors - four are with debt collection agencies and two are still with the original creditor. SC have been brilliant and a life saver at the start of the plan - the thing is I have been considering…
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It's the final countdown...£10k to go
It's too long a background to go through, but I have kept a handy, if not 100% accurate, log of what debt I've paid off over the last 4 years, which gives some context: 2017 I paid off £6,164.44 2018 I paid off £2,184.60 2019 I paid off £8,928.25 2020 so far I have paid off £10,297.08 That's a lot of money. It includes 2…
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Trying to reboot my journey without burning out
Hi there in diary land, I have been here before but diary long since been archived, so thought I’d start a fresh. A bit of quick background: single, 50 year old gal, no
children, love travelling. Due a disastrous business investment, a long term relationship
breakdown, I found myself with 25k debt,
no home, no savings, a…
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My Debt Free Journey
So, took a recent stockade of my debt situation and realize how bad things have gotten. I've had pretty high credit usage for a number of years but constantly just swapped to 0% deals and never took a great concern towards it as it was always more than manageable. My debt was around 11k around the time the pandemic started…
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Feels like im going under!
Hi Guys, i posted in July but cant find the topic. I could give you the reasons but it'd be a long write, and the content of the issue would be the same. Bottom line started a new job and by the time I did everything had changed (had to give 4 months notice in old one): NI increase Energy bill doubled fuel (petrol)…
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My overhauling journey to debt freedom
After lurking in here for a while and seeing how people find themselves more accountable by posting regular updates I have decided to give it a go myself I find myself in debt after having low income jobs for a few years. Things are on the up as after finishing uni as a mature student last summer I started a new job in…
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It gets better!
Hi, I don’t have much people to tell but I’m almost at the end of my debt journey. I have one final payment left of my DAS and that’s it - £32,000 paid! I started looking at this forum 6 years ago and got some advice. I got help through stepchange and started a DAS. To cut a long story short I had the typical reasons for…
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Time to slash the shopping budget and use up the store cupboard
This coming year I have to be more mindful of how much I spend on shopping and also want to save $1000 for an emergency fund; making this diary to keep accountable and to track progress as well as organizing myself. For the EF I will aim to sell what I can, mainly craft supplies, yarn etc and for the shopping I have set…
