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5,000 miles and even more pounds
I'm paying off my debt whilst living abroad. I thought a diary might help me enjoy my achievements! Starting situation (March) * 20k debt on credit cards, on an average APR of 30% * Monthly income of GBP2400 Situation now (August) * 14k on credit card (probably a bit over that), and slight salary increase to 2600 having:…
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Scarlett's New Start - saving the pennies and planning a new life for myself!
New username and new start for me :) I was on these boards many years ago when I had a mountain of debt :/ and it was massively helpful - thankfully I have mainly cleared the debt, BUT I'm facing up to the fact that I need to also save a massive chunk out of a small income... My background: went on maternity leave 8 years…
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Debt
I have been a lucker for a while no place to turn and no one to talk to so here’s my story. i have always worked part time as a single parent and fulltime carer to parents. Parents have passed and finally got a job that’s more hours and better pay it’s weekly pay though and find it hard to pay monthly bills on weekly wages…
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Sorting out the mess 'past me' got me in to, for a happier 'future me'
Hi everyone, So where to start?! At the beginning, I suppose... OK, so problem with money and debt is down to: 1) I am a people pleaser, so I say yes to everything 2) I struggle with the 'fear of missing out' (hence the username) and this leads to a lot of overspending on a meals, drinks, holiday with friends etc when I…
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I want to be in control of my life
Hi All, I really want to get control of my finances and hopefully that gives me control of my life. I've always had a good job since I was 16 and have never had any real money issues but I've also never saved any money unless it was 'for' something (House deposit, renovations, fixtures and fittings etc). I've recently…
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10 years to 40
Deleted as starting new diary
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After years of debt journey through my sensible 40s... and save a deposit for a house
Decided to start my own diary after reading many others. This is to keep me accountable in continuing to save and not return to my old careless ways. In my early 20s I racked up loads of debt because I couldn’t live with my parents and my low income meant it difficult to rent and survive on my wages so I supplemented my…
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When I grow up
I've just turned 44 and I'm still unsure as to what I will be when I'm an adult. Anyone else still feel this way? What I do know though, is I would like this year to be the one where I'm free of debt and actually paying for things up front. My debt isn't huge, currently £4000 roughly on credit card, and regularly using…
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**Insert witty diary title here**
Well Hulloooooo After years of lurkdom I have decided to poke me foot in the water and start a diary all of my own. I follow a few diary's on here and have made "limited" posts (Ok mainly stalking Foxgloves) but never get round to writing my own. A bit about me/us: We are a two person (self confessed nerds), two pet…
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Crazy Cat Lady Chapter 5 - Trying to recover from the pandemic
Hello all - visitors and readers old and new! :smiley: I thought that it was time for me to start a new diary. I've spent the past six months or so getting into some really bad and spendy habits, and my last diary is just reminding me how far off track I've wandered and how low I have put myself down the priority list.…
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Trying again 😪
So had a debt free diary before but not posted in a very long time! Have gone backwards and forwards with our debts. I'll have a good few months then depression or overdrinking and making bad decisions takes over and before I know if I have spent a ridiculous amount. Anyway, trying to get back on track again...although the…
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Cancer changed my life!
So I wake up on year after moving to the Caribbean to find that things are not well, I put it down to stress of work and a move 5000 miles. A week later after 2 very intense days working on a project I almost collapse in my office. I call my husband to collect me and barge into a doctor's office even though they have no…
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Credit card debts gone from credit report
Hi, my 2 credit card debts disappeared from my credit report 5 years ago. I have been paying £5 per month to each of them ever since 2012. Sometimes I paid more if I could afford it. One of the debts has now gone to Drydensfairfax solicitors, as they say I didn't respond to a letter asking me to update my situation. I…
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Here again but aiming to be debt free by my 50th birthday
Hello again I have been here before and this forum had such a positive impact on my life! To say I am really disappointed in myself is a massive understatement. Going to start with: Setting up a direct debit for savings. Chipping away at the smaller debts for some small wins. Working out my outgoings. Looking for a zero…
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Taking charge of debt
Hello. I just wanted to start this diary to be held accountable on my debt journey! I have lurked on the forum for a while and found so many helpful tips here (thank you everyone!), which I have been starting to put into action. My main issues have just been ridiculous spending, which has to STOP. I'm looking towards the…
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This time I will do well
I had a debt free diary here in 2019... It did not last for long... I started a DMP in late 2019 due to me having accumulated debts up to 38K. My debts are 100% due to my poor mental health. I cannot make any excuses really. It is my fault and only my fault that I got myself in this situation so I am not going to try and…
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Bad decisions and secret debt
I have been a quiet observer around here for a little while now but I have finally decided to take the plunge and post because I am at a complete loss. I have 6 credit cards totaling around £70K which I accumulated over the past 9 years. I made big mistakes with trying to solve high-interest AMEX debt with balance transfer…
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Day 1- finally!
I have finally (after years of living in fear and hiding) taken on my historic cc debts. I’m starting a debt management plan on Tuesday and am now under a Breathing Space thing. I’ve lived like this- scared, depressed, at times suicidal, ashamed and unable to admit what has happened- for so long. So, it will take just over…
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The road to my end of 12 years of debt.
I like the idea of documenting my debt and its eventual demise. After 12 years of debt this is where I am. Today the situation is : PRIORITY DEBTS : Council Tax ( 2 x £264 ). Parking Ticket ( £70 ). Gas Bill : £185 to be paid ASAP. Unsecured loans : ( Will be paid as and when funds allow as I already have 2 defaults on my…
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Third time's the charm...
This will be my 3rd debt-free diary and I am hoping that this time I don't fall off of the debt-free wagon again. My spending is definitely linked to life 'trauma' or drama's, when I am at my lowest points. This time it feels different. I am older, wiser and I am here to hold myself to account, which started with a frank…
