-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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)…
-
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…
-
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…
-
Mental Health and Balliff
Has anyone had debt written off at balliff stage due to mental health?
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
'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…
