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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…
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DebtDivorceDisaster
Hi! Here it is! My new diary to a new life! Any advice welcome! Though i am an avid reader of the forum so get the gist if what i need to do! Basically im a mum of three going through divorce and trying to get out of debt as quickly as possible so i can start sleep better at night and do life better. Due to to such a…
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Jazee's Diary
Hello to anyone who decides to read my diary. I'm starting this diary as I want to collect my thoughts in one place. I have unsuccessfully put posts on some other threads, and some have disappeared, so I assume that I've broken some rule or other and think that here I can't break my own rules. I have been in debt since…
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Wednesday wins!
I’m on the start of my journey, after realising I have a spending problem! I wanted to share a Wednesday win… I have a wedding coming up next month and the dress I did wear doesn’t fit 😞 it’s too late to return. Normally I would go out but anything brand new one but instead I’ve listed the “old” one on vinted, then when…
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Fakeaway! Fakeaway! Fakeaway!
Yesterday I made a huge step in admitting on this very forum i’m in debt and have a problem…. but I also have a solution and can be debt free in 2 years thanks to snowballing! I’m going to have to cut back “do I really need this”. So, Tuesday night is takeaway night at ours, rather than waste £40+ on a takeaway, I got…
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Young And Dumb
Hi :) So I feel a bit silly posting on here. I've seen a lot of people on here with higher debts and lower income, but mine was really stressing me out and it's taken a lot of hard work to build healthier financial habits. So: some background. I am 26 years old, and relatively newly single. I'd been tracking my bank…
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The Big Student Loan Smackdown 2023
Ever since I've got out of debt, I've been feeling a bit lacklustre with my finances. I did try to set up a diary a few years ago in order to keep me motivated to pay off the mortgage but it fell by the wayside and life got in the way. Increasing interest rates have prompted me to take a long hard look (a glare) at my…
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Ready to crush the debt- once and for all
Hi Everyone, new poster but I have been a long term lurker. I have decided to try keeping a diary to help keep me on track to smash all my debts. Currently I owe just under £35K spread between a low interest loan and a couple of credit cards (all 0%). I went off to university in 2004 with a bit of money in the bank, I had…
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One Bumpy Ride
A) get out of debt completly (ex mtg) B) Build up an Emergency fund C) To sort out Retirement D) To have money left over at the end of each month. I am mission ready... Just need to work out how to list my debts in the footer below :D
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Remortgage Situation advice
Hi everyone, I'll keep this as short and sweet(!) as i can - thanks for reading and any comforts spoken. All my family has moved up North and i'm with my fiance in Surrey. I bought a house last year in May (£322k) with a substantial deposit and my mortgage was approved by Nationwide, lending me £134000. My fiance doesn't…
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Small steps to deft freedom
Hello, Bit of background, we are in the horrible situation of being £52k in debt. I am going to self manage a DMP and am currently waiting for my accounts to default. Just had a look on my credit file and found that 3 out of 12 creditors have defaulted. I really want to pay everything back so am going to go down the DMP…
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Letting Agent Credit Check
Morning, I am about to apply for a rental property through a letting agent with my partner and I have a DMP with Payplan and two defaults showing on my account. I’ve been asked on the form to declare adverse credit/CCJ/IVA/Bankruptcy. My understanding is the check will not show defaults and I don’t have any of the others…
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24 months to debt freedom
Hello everyone! Long time lurker of the diaries here and loving the debt free progress people are making. I really need something to help me stay accountable and hope this is it! My true LBM is very recent but I’ve been dabbling around paying off debt for a while but just being a bit half hearted about it all. After all…
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Overdales solicitors warrant of control
Have received a letter from Overdales /Lowell. They have been instructed to apply for a warrant of control. They have said it will authorise Bailiffs to visit my home to recover the debt in full or taking control of my goods. I have to option to either make a one off payment for outstanding debt. Or I can make a payment…
