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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…
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Getting back to frugal ways in 2023 and beyond to reach my future goals
Hi Have been away from MSE for a couple of years and probably spent a lot of that time frittering my money. Am wanting to get back on track so figured a shiny new diary was a good place to start. I’ll tell you a little about myself - I’m 36 and I currently live at home with my Mum and older brother. I work full time in a…
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Strap in - we're going on a trip!
Hello lovely moneysavers, I have tried to start diaries many times and have struggled to stick with them, but .... I really want to try again, because life is getting on top of me and I feel like I'm wading uphill through some very sticky honey at the minute. I've posted under a different username in the past about my…
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Winds of change
So here we go, I've been a long time lurker on these boards (over a decade since discovering MSE while at uni). I've had various levels of debt and have thought many times about starting a diary but never have (perhaps I didn't really want to be accountable?) Now it seems like the perfect time, today is the first day of my…
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New thread, new me - hopefully!
I think it's time for a new thread. The last one I started in January 2018 after coming to the realisation in late 2017 that I was in a much bigger hole than I thought. Five years later things are better but I haven't made nearly as much progress as I'd hoped. I started with just under £40k debt and I'll be entering 2024…
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Trying to keep on top of it all.Busy,crazy ,life!
Thought I better start a new diary since its been a decade. I look back at my last posts on here and laugh and wish I could be that debt free even though we were on so much less money! Crazy how before you know it you have debt....and kids and become a full blown adult. Anyway, hello! I'm Cat, iv 3 kids ages 4,7&8 it's…
