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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…
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Spendthrift Anonymous
People tell me the first step is to admit you have a problem! So here I am at a virtual 'Spendthrift Anonymous' meeting, I've just stood up and I'd like to say my name is ****** and I am a spendthrift and this has led to mounting credit card & personal loan debts. So as of today I have changed my bank account, cancelled my…
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The Debt Marketplace
Do you know there is a debt marketplace where businesses sell and buy consumers' default debts in the UK? I became aware after finding myself in a debt situation where multiple buyers bought my debts and I had to contact each one of them to find out the origin of the debt. You could be paying one debt to more than one debt…
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A New Beginning
I've been AWOL for a while and now seems the right time to start a new diary. A brief history - we moved to our forever home in 2021. Twelve months after moving in, I discovered that the children and I had been betrayed in the worst way possible. My marriage ended overnight and I was suddenly a single mum with a huge…
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Time to be a grown up!
Starting a diary to keep a track of 2024. 2023 was awful in every aspect so need to get a hold of a few things. My debt is fairly minimal with an overdraft of £930 however this costs me every month so it’s time to knock it down. Hoping to reduce it by £10 a week minimum so end goal would be 13/10/2025. I’ve always been…
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Head Up, Keep Positive, Eye on the Prize
I have decided a diary is the way to go to keep me accountable on my way to debt freedom. A potted history - I have been in debt virtually the whole of my adult life, from my first year in college when I was offered a credit card along with my first bank account, to now - many years later! I'm a bit of a nerd with numbers,…
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Here we go again!
Hi. I have been on this forum for many years. Finally became debt free in February 2018 but unfortunately have found myself back in debt again. I have many excuses as to why this has happened, mainly my mental health. When I’m not in a great place I spend impulsively, as well as drink too much and eat too much. Since the…
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Today I totalled up my debt for the first time...
Just a short post but today, but for the first time today (after months/years of putting it off) I lifted my head out of the sand, logged into our various credit card accounts, and took a note of our total debt, accurate to the penny. I had it in mind that the total would be around around £40-50k, andl including CCs,…
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31k is a scary number
Starting a new diary for 2024 to keep me accountable. My debt is at its highest it has ever been and it makes me sick to the stomach, I thought I had a LBM last year but this year my debt is worse and i've had enough! i grew up watching my parents fight over debt and rather than making me cautious, the scarcity mindset in…
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Keeping on the Straight and Narrow...
Well here goes, my first diary...After being an avid lurker both here and on the MFW boards over the years I have been amazed and inspired by the success of many individuals and the support of other forum members so hoping to do the same. So why am I here? In the 6 years since DH and I bought our home we have undergone…
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Stop hoarding and pay off debt 2024
£14,889.96 is how much debt I have (excluding mortgage for my dream home). Its all in the one loan now and set up to pay off in 12 months. My target is to do it in 9 months. I earn a really good salary and the loan I originally took out in 2021 was £14,000 but I kept moving the loan and asking for a bit on top. That has to…
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Missy’s Surviving the storm so we can dance in the rain.
Hi! I thought it was time to start a new diary. Quick update, there’s me, OH and my 2 children, May who’s 8 and Roo who’s 10 in a week. I’m 40, run my own business and a shared one with OH. Both of which we’re trying desperately to rebuild after Covid. We bought our first house this year which is great but we have a…
