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From Fat to Fit by 50 (and debt free!)
***Door creaks open*** It has been a while, I was on here under a different username many years ago. I had trouble logging on when the migration to the new format happened and I constantly got thrown out. But a few years have now passed and any glitches I hope have now been sorted :) A bit about me - married mum of 2, been…
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Ongoing Journey to being a Frugalista..
So..ladies and gents...it may be time for a new diary. The recent changes to the site seem to have booted me out...and as this place is essential (nay, critical) to my ongoing attempt to be a true frugalista I need to keep the diary posting going....plus of course I'd miss everyone on here. You are all fab and the support…
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Debt, Depression and mentions of Divorce? Request for Financial Support & Advice on Debt Management
Introduction: Longtime follower and fan of MSE, particularly the Podcast. Despite years of effort, my wife and I are struggling to clear our debts. Our financial tensions have escalated recently, adding stress to our relationship, culminating in a distressing situation tonight where my wife expressed feelings of…
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Finally Debt Free in 2023
Hi everyone It’s been a while since I’ve been on this forum. I’ve been on here on and off for several years, but this coming year I am really determined to stick around and make a huge difference to my debts. For those that don’t know me, here’s a bit of background. I’m 41, live with my OH (been together nearly 22 years…
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Hope,Promise and Opportunity
Well I've been wanting to start a diary for ages and not got round to it! story of my life. Need to be braver in my actions in 2023. I love the song Brave by Ella Henderson. It's one of the current songs in body balance. I absolutely love body balance. Mindset also needs to change. Have been stumbling along recently. Me,…
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Living in the present for 2022
I'm starting a new diary for the coming year. I didn't use my last diary as much as I could have, but I'm hoping to change that this year because I need help to focus on things. I've realised that my coping mechanism for the last few years has been to spend most of my time making plans for the future, and thinking I'll…
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Clearing My Debt
Hello All! I would like to remain anonymous but I am starting my own diary to keep track of my debt clearing progress. I will not delve into too much detail as I am not sure it would be allowed, but since the age of 19 I got into a bad habit and managed to get myself into a considerable amount of debt. Fast forward five…
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Pay for the future and not the past
I have read so many diaries recently and having kept notes of my own, i felt instead somewhere to put my thoughts where they will stay, will support my idea of clearing my debt but more importantly keep me accountable doing so. So here is my Debt Free Wannabe Diary - Pay for the future and not the past. This statement is…
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Take 2, a shopaholics diary
its been a while but Im back. more in debt than ever which is frustrating but the past year has not been kind to our family and we have spent way more than than expected due to some things that have cropped up. husbands car got written off which was not ideal, nor is the fact that he went out and bought a replacement so we…
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The Four D's
Eventually doing this, i have spent months lurking and reading some of the fantastic support this forum gives to people. The endless success stories and also the inspirational people and their diaries..too many to mention, don't wanna go on forever in my 1st post but this is time for the journey to begin. So..the four D's…
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Relentless debt
Back again, like the proverbial bad penny. Life totally sucks. No money, growing children and no skills to earn a wage. I honestly thought about not coming home today. I applied for two jobs this evening, but unlikely to be considered as I have little to offer them in the way of experience or talent. Not sleeping, not…
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Mid 30's, Single Mum, £30k debt and Moving back with Parents
Hey! Brace yourselves, because its a long one! I'm a long term lurker on these boards and thought I'd make my own debt free wannabe diary, purely to keep me accountable and having things written in black and white makes everything much clearer for me. I'm 34, a single mum to 2 boys (one with ADHD and Autism) and I somehow…
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CCJ on land registry
Hi, I’m looking for some advice. I have recently looked at my land registry documents and there is a CCJ against the property from 1998. This was placed on the property by Lowell Portfolio 1 Ltd. I contacted them and they said that the do not have an account in my name. I have no knowledge of this debt nor have I been…
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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…
