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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Hi there in diary land, I have been here before but diary long since been archived, so thought I’d start a fresh.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…
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Queen Bee fighting for her Hive!
In my head I had written this post many times but not yet have I been brave enough to get pen to paper and go for it. I'm Queen Bee aka a nearly 40 yr old mum of two boys whose had quite a stressful couple of years. I seperated from my husband early last year, moved house twice and finally settled in my current place with…
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Time to be an adult about this!
I have just turned 30 and just can't stop spending! Doh! I have been on this journey for a bit so we are down to no credit cards as we are clearly not credit card people (Caleb Hammer anyone?) but we do have two substantial loans bringing our debt to circa £27k. There's just me and husband (DH) and my two kitties but…
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Slaying my final Debt Dragon: The Capital One Card.
So, here I am. The last pernicious debt. Background : Years and years of debt problems coming to an end with this diary. Notable mentions go to the "wonderful" debt providers - some bust, some claimed against for unaffordable lending, some still draining blood from others. From memory ( probably more ) : Wonga, Lending…
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Future net worth millionnaire
Hi, As the title say, I want to be a net worth millionnaire. I'm french and leave in France. I have a dh, 4dds, 3bfs and 3 dgcs. Obviously, I won't put up a SOA as things are so different here. Every amount will be in euro. I'm not in debt at the moment, but would be soon if i'm not really careful. A little background I…
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Semi Retirement and Beyond.
As I said in my previous diary I would start a new one as in six weeks I cut my working hours in half to 18 hours , working two days a week. I have chosen to start this part time working on half my salary before one of my pensions kicks in , in December . Therefore I am going to have to be very frugal for six months , I…
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What should I do? Use my disposable income to pay off outstanding debt?
-Mobile phone debt one £64pm (around £1.7k left) -Mobile phone debt two £6pm (few payments left) -Loan one £80pm -Loan two £100pm (13 payments left) -loan 3 £25 (£710 left) -dwp £27 (4 payments left) -mobile phone £13 DD £317pm Food £120pm Travel £200pm Rent £200pm Roughly: £837 left -Monthly wage £1630 -Around £793 left…
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Strange Truths
It is time to face the truth - my debts, mainly credit cards, are well out of control and I need to get it under control before I can no longer make the minimum payments which is terrifying me! Times are tough and I have been putting food shops and other necessary spends on my credit cards and maxing them out and then…
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Pippi's Diary, 2024 edition.....
Hello folks Back again after a long break to get some focus as I change jobs.....long time no see! Off to do a budget! I seem to have lost my mojo so starting with the MSE love to find it all again! Haggis says Hi too.
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Self managed dmp
Hi I have switched onto self managed dmp and after working some overtime I am looking to pay one of my smaller debts of in full with very. Few queries I have, my payments managed by direct debit via a debt company to very have been marked down on my credit filed as missed payments for over 12 months. Very and the debt…
