-
£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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
Tiny steps towards a more meaningful life
Morning all I’m editing my first page with up to date figures (2 December). Debt NatWest - £4,325 (annual bills & 2024 holidays 😊) Personal loan - £5,300 (car) Reality I have 7 months before I hit 50 to clear £9,217 but realistically it might take me to the middle of next year. I’m an all or nothing person, very impulsive…
-
Leaping from debt free to self employed
I have finally managed to clear my personal credit card debt (£3393.22 in around 13 months). Regardless of the amount, paying off debt is like going on a diet, until you realise it's your lifestyle (and behaviour) that you need to change, you'll end up going in circles. DH is on board with blitzing the remaining debts (a…
-
Wannabe debt free - just starting out
Hi all. Totally new to this although I have been reading people’s threads for a while - really inspiring me. I am looking to get debt free, mainly to reduce outgoings and build a pot for nicer things in life. Current debt Loan - Monzo - £22484.57 balance, 15.4% APR. (Wondering if it’s worth changing this to a lower rate -…
-
Tipping over the edge
Today for the first time in my life my bank card was declined due to lack of funds and I had no alternative method of payment, I’m skint and had to leave the shop empty handed. I’m fortunate to earn a fairly decent salary and money has never really been a problem. That changed 18 months ago when I bought a house right on…
-
Trying to Hide a Secret £20,000 Debt is as Tricky As it Sounds! (:#)
Hi Fellow DFWs and Casual Lurkers with lots of advice! :D So, I'll try not to make this post too lengthily, but it's difficult to explain how I managed to wrack up £20,000 of debt (not including the car finance or mortgage). Long story short - I'm a nightmare with money. I'm such a general nightmare that at times in the…
-
Starting on the Debt-Free Journey
Hi All, I want to take accountability for the debts that I've built up over the last 10 years through a lack of budgeting and a "Sod it, I'll just get it" mentality, along with animals which had issues which weren't covered by their insurance. I've done my SOA and the biggest area I need to cut down on is buying lunch at…
-
On a journey to becoming debt free
Where on earth do I start, im so bad with money its disgusting! I never used to be from very early age it was me sorting out my parents finances always promising to myself I would never end up like them but I have, now I'm on a mission to get as close to debt free in a year as I can! I have 5 x credit cards 4 x catalogues…
