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To pay off or wait for 6years to up?
Circumstance have improved in the last 5years, I’ve not taken out any new debt and in the last 5years, all my bills are paid and planned, In the last couple of years I’ve actually been able to start saving a little. I can see a future. I’ve applied for all of my credit files, wanting to see what I need to pay off and deal…
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Journalling my way to a debt-free future
Hi, I need your help.....I have made a decision, after years of mounting debts and financial struggles, I have to change what I'm doing. I want to be accountable, so I am going to use this platform to document my journey and learn from you all! I am determined to do this- future me deserves to benefit from a life of hard…
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Abba1772's Debt Free Diary
hi everyone New on here not new to debt :o was married for 10 years and we seperated so i took any debt that was in my name and he took his debt By OMG what a mess got my credit card statement in and it was for £6000 and this was may last year :( but i've ploughed extra money into this credit card every month and i'm…
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Ugly Debt Needs To Go
Hi, I am a long term viewer of this site but it is now time for me to jump in with a diary and start to pay down this ugly debt that has been hanging around us. Unfortunately in August I had to reduce my hours at work due to ill health. Finally I have a diagnosis but it is going to take sometime to get back to good health…
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Milann’s quest for a new me in 23
I’ve been on the boards now for quite a while now. I’ve been debt free for a few years but it’s been a struggle staying that way sometimes and would have been easy to fall back into not paying the cc off in full each month. My LBM was 17 years ago today when I was rushed into hospital with a perforated bowel. In my more…
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Finally making a dent in the debt
April 2022 was my LBM when I calculated that my debt had grown to a whopping £50k. Fifty thousand pounds. Even saying it out loud now makes me feel sick. But I spoke to Stepchange who set up a DMP and since May 2022 I've paid off over £9k. It's not been without its issues - I'd forgotten how rough it is when the calls and…
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2024 – New Year, New Me
Hi Everyone, Thought I would start a diary as I start my DMP journey. A bit of background: We both had full time well paid job and although we were probably living a little above our means even back then, we were paying more than minimum off everything and had lots of available credit and new offers continually, so just…
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As one chapter ends another begins
So, my debt free chapter begins. On 1st November, I became debt free :) , which is something I have dreamed of for the longest time. I have spent all of my adult life in debt and the amount have varied considerably over the years, in January 2020 I owed £15,940.10. I did give myself until my 55th birthday to pay all the…
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Irresponsible spending resulting in £21k debt at 24
I have been reading debt diaries which has helped me to realise my spending problem is out of control. I am 24 and have been struggling with debt since 2020 and have created a debt problem of just shy of £21,000 which is just disgusting, I have been so ashamed and really need to stop this spending to make me feel good…
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A new start for an old girl!
Well, it's been a while since I was here - I've set up a new profile as my old one was compromised some years ago but I've been an avid MSE'r for maybe 20 years! Here's the start of my diary to make me more accountable! I am almost divorced, my two children live with me 50% of the time and I've just moved into a new place…
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2024 WILL be better....
Ok so here goes, I've been lurking and reading (and being inspired) for a couple of weeks but need to be accountable now! Still adding everything up ready for the new year but this will be the year I make a BIG dent in the debt and get my finances properly on track. Its been a horrible year, it started with my dad dying…
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Being called frugal is the best compliment
Have been lurking for a while, I had started to budget 2 years ago when trying to Dave a house deposit. That kind of fell by the wayside and life took over and we spent the savings and acquired more debt. Will post soa later but current debt is about £30,000 :eek: This is made up of 2 CC, 2 loans and a catalogue. I have…
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£31k of debt to go in 18 months.
Okay, why am I here? This pandemic has put a lot of things into perspective for me. I have seen my boss be off with long covid for over 3 months now and he is a fit and healthy guy. I am not a fit and healthy person and, as the only income for our household, our finances need to be prepared for the worst. I know this…
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Cherry takes the reins
Hi everyone. I'm hoping I can legitimately post a diary here as I'm in the blessed position at the moment of my only actual debt being my mortgage, but I've had a huge change in my circumstances recently and how I manage it will have a big impact on our finances. I need to talk things through, if only with myself, and…
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misstara's debt diary 2020
Decided it's time for a fresh start and a new diary :D I've been in debt pretty much continually since I got my first credit card at 18, I'm now 35 so have spent almost half my life in debt :eek: Currently I have £519.86 credit card debt and £5,139.70 car loan (£146.82 per month). This year has not been a great year…
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12 months of hard graft to become Debt-Free.
Hi All :smile: I'm new to the MSE forum and thought I'd start my diary to track my debt-free journey. I have a total of £11,324.37 debt that I want to pay off in the next 12 months. I have written a realistic budget, but still have no clue how I'm going to pay all of this debt off in just 12 months. £2.5k of that is…
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Taking care now before I blow it all away (again)
I have started a thread to motivate me to get free of my credit card debt. I checked the balance of my aqua card today, I hadn’t looked for a while but it is sitting at just under £3900. The interest is crazy high so I am !!!!!! this away without anything to show for it; interest this month was just over £148 :# I have had…
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2023 - Positivity And Progress!
I've decided to begin a new diary for 2023 - last diary: https://forums.moneysavingexpert.com/discussion/6385340/changing-my-life-goals-and-finances/p1 So, 2023 is the year I am concentrating on positivity and progress! I am determined to achieve the following things: 1) Build my Debt Neutral Fund (DNF) 2) Fill my Bulk Buy…
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Here's to a happier and financially healthier 40s!
So, I've been reading a few debt free diaries and have gained quite a bit of inspiration from them, so thought why not try doing my own. Not because I think I can inspire anyone else necessarily but mostly for myself to see how my journey goes and to hold me accountable. So, a bit about me. I'm Emma, I'm 39 I have always…
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Autumn years debt fighting
This is my second diary on here. My first diary detailed my debt busting whilst working full time. Unfortunately I had a long period of ill health so things went off track, including finishing work for quite a while I’m now back in work - part time ish and have had to arrange a DMP for my unsecured lending - I still have…
