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Mints, Marzipan and Praline chocolate
Here I am carrying debt again...and again, trying to get rid of it. I haven't even gone through it all to see how much I owe, but I'll get around to that soon enough. My current focus is on repaying this little lot: £100.39 TCC - 06/22 - paid in full 28/05/23 £492.21 TCC - 07/22 - paid in full 28/05/23 £249.89 TCC - 08/22…
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Third time's a charm!
I'm back with my tail between my legs... I'll go into more detail at a later date but need to take the plunge and start a new diary! I have been lurking for a few days, too ashamed to come on and admit the truth! The Good * I'm back! I have read through my old diary (which apparently got abandoned early in the pandemic)…
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Finally accepted reality
Hi everyone I've not been one to use forums or anything similar before and it's perhaps why I'm in the mess I am. Last week I finally told my long term partner of how I'd racked up nearly £45k on debts over the years and simply hidden it from her. Whenever she asked me about money I'd just say everything was fine. It was…
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Sorting the debt:income ratio!
Hello! Adding my own diary to keep me accountable! My story - I'm a single (separated) mum to a little boy with disabilities. I work 30 hours in a decent job and just want to get us our own place that will suit us! (Currently private letting, not ideal! No shower, expensive storage heaters etc etc) Have a small deposit of…
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Mental Health and Balliff
Has anyone had debt written off at balliff stage due to mental health?
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Spending Overhaul and much more!
I discovered this site a good few years ago and I’ve learnt so much from it by reading other people diaries. Always being a bit shy about posting but you have no idea how it has motivated me to change my ways. I had a good wage but was spending everything I earnt and still using the good auld credit card. Saving was very…
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Mummyto3boys crawls out of the mire mark 2
So it's been years. So much so my old diary is closed, shut up like a long forgotten relic. The baby I last had is almost 12 😱. I still have debts but great things have happened. Such as I have paid off our mortgage, then moved home and still have no mortgage! I haven't been in my OD for years. I have a job I adore which…
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Planning for the next chapter..............
I’m a long time lurker on here, and have used the tips
picked up from other people to pay off about £20K of debt. I have just under
£600 left to HMRC which will be paid off soon. I’m sneaking on now while I
still have a debt but I’m planning the next stage of life which will involve
saving a large sum! I’m no longer a DFW…
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Reducing Debt, Saving for that Rainy Day
Facing up to the facts that unfortunately all my overspending here and there for a few years now has got me to the point where my debt has accumulated to 20k !! I am horrified, I didn't even think I had spent that much and particularly because I don't really have anything to show for it either! I have definitely had my…
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In a pickle
Oh I seem to have got myself in a bit of a pickle. I’ve started a new business, I love it, I’m recently self employed. I’m paying myself a small wage every week currently until it builds slightly £100 a week. I took out a credit card to purchase initial stock required (£2k) My mortgage is increasing by £260 a month from…
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Ditching the Debt
Hello everyone, I'm a new poster but have been lurking for a while since discovering the forum. I've been reading some of your Debt Free Diaries and felt inspired to start my own for accountability. I'll be turning 40 in two and a half years and I've chosen this milestone as my (possibly too ambitious!) target debt-free…
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Chapter Almost 40
Hello to anyone who's dropping in... I'm almost 40, a single mum on a pretty low income, doing my very best to stay afloat. Juggling trying to get by, get paid, create a fun life for my boy, create memories, have a social life & not start every week in my over draft,,, it's all good fun right? :D The COL crisis has…
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20K to Debt Free by June - Finally Debt Free 27/06/23
DECEMBER 2022 UPDATE - £10,551.67 DEBT PAID Previously 20K to Debt Free by 2024 (Month 13/24) Now 20K to Debt Free by June 2023 (Month 13/19) I've come to realise that it's been a full 12-months since I commenced my debt-free diary. I've decided for that reason to write up a bit of a comparison / progress report based on…
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Time to move forward……
I’ve just unearthed my much neglected previous diaries on here and it’s really depressing to see that nothing much has changed and I still have the same gripes and moans and have never really progressed with moving forward with my life. Whilst I’m still early 20’s in my head the reality is I’m early 40’s and time certainly…
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'Shoot for the moon' - MoonSeer's Debt Free Journey
This year has been a rollercoaster already and I am desperately trying to stay on track. Life has an annoying habit of shooting curveballs that blindside us so I figured I am going to take things at my own pace and keep working toward my goals. Joining the forum and starting my debt free diary is really a first step toward…
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Pinching Pennies
Hi everyone I have been reading through a few blogs on here so thought I’d take the plunge and hold myself accountable! A few things before I begin this blog: I’m a student. I get a maintenance loan and work part time, so times are a little hard during term time. I can work full time during the summer months but this year…
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Paying the Present, Funding the Future
HI I used to have a diary a long time back but life overtook me and it closed when the MSE site changed. My debt is marginal and manageable at the moment (thankfully) but now's the time I really need to focus on all things finances as, like everyone else, the cost of living is constantly changing - and biting. At the same…
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Picking up (not quite) where I left off
Ok, so rewind a couple of years and my balance on loans and cc's was £31,746 Not much has happened since then, a pandemic or something like that, nothing out the ordinary really! Fast forward to the middle of 2021 and I'm still paying it off. I'm just about to make an overpayment on a loan which should be clear as of…
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Small Steps Out Of Massive Debt!
Hi Everyone, I'm so glad that I've found this website because I really need to get serious and DO SOMETHING about my debts. I thought that keeping a diary on this forum would keep me accountable. I have taken stock and I have over £35,000 of personal debt on loans and credit cards, which does not include my Student Loan…
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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:…
