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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…
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My introduction to my ten years of Debt.
I am a recovering gambling addict, and living my life outside my means for a few years, being oblivious to incomings and outgoings to an extent. Over last ten years managed to rack up 69k debt on credit cards, loans, car, holiday, new kitchen etc etc. I now have a DMP covering around 32k of the 69k debt. Which is a monthly…
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Debt free in three years
So the time has come to clear this persistent debt once and for all. I finish my course in late 2025 and really want to be debt free by then. I’ve always been an impulsive spender, especially things for the kids/days out/holidays etc, but feel I’ve finally turned a corner and my spending is much more under control. I now…
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Taking control after 4 years
Hi all, first post here and just looking to keep a log of paying down my debt until I get to 0! I'm 22, single, and got myself into about 5.5k worth of credit card and overdraft debt due to depression, furlough and bad money management. Until January this year I had no idea of my income vs outgoings which is absolutely…
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Reducing the Overwhelm and Digging Myself Out of This Rut!
I dabbled with a diary earlier in the year but didn’t give it the attention it deserved so consequently here I am months later in pretty much the same position. Time for take 2 and to try and get plans in place ahead of the start of 2023. So why am I here? I need to sort my life out! I’m fed up of going through the motions…
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Impulsive Spending… Make It Stop!
Hello! This is not my first diary, but hopefully it will be my last! I decided that a diary would be good to motivate me and stop me from spending so much money all the time! Here’s hoping :D I am in debt, but not crazy amounts. I have a loan balance of £5,998.05, a small balance on my Next account which will be paid off…
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Milann's life keeps getting in the way.......
Been on these forums for some time now...........good intentions of being debt free and at target weight keep coming .....and going......and life just keeps getting in the way!!! So it's time for a new diary to help keep me on track and push the excuses behind me and JUST DO IT.... My debt is down to £2,500 and if I'd have…
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Damsel in Debt Take 2
So this is my second diary, I’m in a better place, not financially but mentally! With my debt this time and more determined to get rid of it. And need to post on here to give myself some accountability. I’ve accumulated it from spending above my means for too long a few years ago and then the interest spiralled and here we…
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What Not to do When You Move House
Hello! So I am back to it and back here with my tail between my legs… On the one hand, I haven’t fully learned my lesson. On the other hand, I’ve acknowledged there is another problem and I need to fix it; silver linings I suppose! I was hoping I would never have to write about debt again, alas, here we are. Previously I…
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Debt and Budget (Reset) plan
Hey, Ive lurked around the debt Free wannabe diaries for a while, looking for inspiration to clear my own Credit Card debts. I have always been in debt for as long as I can remember! At my highest in 2017 it was £25766! A bit like a roller coaster, balance goes down and then up and its just never ending! I want to be held…
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Fresh start
Hi been looking at getting some money saved. Just wanted to know what methods you used that worked or helped and how you even worked it all out to start to get out of debt. currently I have a CC 0% with 600 on this is used for emergency only. My phone contract has 221.18 left and a 5000 loan which has 4218 left and a…
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A lifetime of debt, or a lifetime of shame?
Hello. First post here and for some reason I feel quite emotional. You see, as I know lots of people experience similar but I feel huge shame. So much shame, it consumes everything about me. £24k in debt, divorced, rocky relationship, 2 kids and about 4 stone of ineffective eating habits to overcome a stressful job for the…
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Driving Down Debt
Hello! I've been lurking around these parts for what seems like forever, so I guess it's time to bite the bullet and start a diary to keep the momentum going. I'm more doing the diary to keep me on track with my targets rather than for advice, although of course any words of wisdom will be heeded! A bit of background: I…
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Taking control
Hi, Thought I would start a diary to hold myself accountable, even if nobody reads it! Three days ago I spent a long time on the phone to Payplan and they are setting up my DMP for me. My biggest fear is the letters and calls I'll get which I'm dreading! I have spent all weekend researching these forums though and do feel…
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Single Mum - Struggling to get realistic SOA
Hi Everyone, I'm a single mum, albeit on the older side (turning 50 this year) with a 14 year old daughter. No Dad in the picture as he died when she was a baby and I've stayed on my own ever since, apart from gaining two cats. That may be irrelevant but they also cost money. I've had my Light Bulb Moment and decided to…
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Debt free by 50 (Dec 2023), 1 day at a time
Hi MSE world, I’ve been here a long time and have been in and out of debt far too many times but I’m back for support to clear approx £14,500 by Dec 2023. It’s a lot of debt but at least I know where the money went and why I land myself in debt - no such thing as delayed gratification for me :# , which I really need to get…
