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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…
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Debt Free Me in 2!
Hello everyone Been lurking on these boards for quite a few years. I've loved following the inspirational debt free journeys and have learnt so much over the years. I've really enjoyed following some of the diaries - and feel sad when my favourite posters disappear - it's like losing a friend - how sad is that. With lots…
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Debt free by 2024
Sorry I'm terrible with titles but I am going to use this as a record of my progress. Around this time in 2017 I was around £35k in debt and not earning a great deal which made it much harder. Fast forward a few years I am just over £11k and I want that to be £0 by the new year Here is my debt as it stands now. Tesco loan…
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My last diary take two, but this will be it
I've had a few diaries and our debt has gone up and down over the years. A lot has changed - jobs, houses, cars and our children have grown into beautiful young women. My children are one of my main reasons I need to finally get our debt paid off. The eldest is hoping to go to uni in 2023 and won't receive much funding.…
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It begins today..
I’ve been worried about my debt for a while but it’s recently gotten out of control and I’ve had some really low moments. I had another recent set back and it’s given me a massive wake up call that changes need to made and I have to do something about it. I don’t want to go in to too much detail about how I’ve racked up…
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SOS - Save or Sink
Summary I have a good income but am not saving money and get stressed when big bills come up or when I think about the future. Background Me: 47, I have an income of 90k in IT with a pension. Wife: 48, has an income of 2.5k cash for tutoring.We had kids starting at 23. We made a conscious decision that we would be a 1…
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Free at last!
Back in 2019 I decided to finally take control of my finances and to take that first step in asking for help. As a person who has always felt confident that they could solve their issues themselves I have always found it difficult to ask for help. I joined this forum with over £20,000 of unsecured debt at 25 and the stress…
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Dolly's Diary for Life
I'm back and I've got a plan of action to get my s**t together for once and for all. I'm totally sick of always chasing my tail and struggling with money due to making stupid decisions and focusing on other peoples needs and wants. It's time to put myself and my plans for myself into action. I'm going to be in this for the…
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Why is spending money so easy......
BUT paying it back so hard??!! I've always had some sort of debt and it's been up and down all of my adult life. Its gradually been going up the last couple of years and I put it down to poor budgeting and lavish overspending on holidays etc and foolishly thinking consolidation works! My total debt figure stands at…
