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After 20+ years here I'm not sure where I belong anymore ...
So it's time for a brand new diary, welcome to anyone new, welcome back to anyone who has followed my journey along the way. I've been on here since I became a single parent in 2005, recording the highs, the lows, and mainly the hum drum of everyday life, all while trying to save my pennies. I've always loved this board…
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Redemption - The journey of a recovering gambling addict.
Ok. Here goes. This is my journal on my journey to redemption. First post is to outline my current situation. Salary- £75k + Married Two Children Personal Debts Bank Loan 1 CAR - £20433 - £352 4.3% Debt Consolidation Loan £10,344 £153 5.2% MBMA - £4300 - 0% 14 months NatWest £3000 - 0% 12 months I have told my wife…
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Back again
Morning everyone, I closed my DF diary a few months ago for various reasons at the time. However on reflection I think I haven't been myself for months , but I feel myself coming out of the place I've been and wanted to be back here. The last two years have been very testing with RL things going on in the back ground but…
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From debt to freedom...
For a couple of months I have been lurking and reading diaries which have been helpful and inspiring. I thought that I would start a diary to keep myself focussed on getting rid of the debts. I am a working mum, recently separated from my husband. I have a large family which makes for an interesting and busy life! I have…
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The Frugal Hearth: Stories of Simple Living and Living Well
Hello, and welcome, one and all to my new debt free diary! My Journey I started my old diary at the beginning of 2020, a couple of months before the pandemic hit the UK and we went into lockdown. That diary can be found here…
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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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Don't hit me with those negative waves Moriarity
I have lurked for a long time on this forum, then joined and lurked (and lurked some more). Maybe should have gone with an Adams family reference for the title but ho hum I'm here now. I think I'm ready to start a diary even though I've had one running through my head for months as I had my light bulb moment back in…
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KMNs diary - curbing spending and maximising saving with a new baby
So maybe a bit random to have a diary when I'm not in debt, but I am about to start my maternity leave (at the end of the month) as we prepared to welcome our first child in early March. We are incredibly lucky to be quite comfortable, own our home (mortgaged) and both able to put some money in savings at the end of each…
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Small Business, Big Debts
Hello all Debt free wannabes! :) I posted on these Forums over 10 years ago, and it made such a huge impact on my (successful!) attempt to get debt free, but a LOT has changed in the last 10 years, so I’m back again! The accountability and kindness I received back then was invaluable to me, so I hope to bring some of that…
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Sashybo - Back Again
Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE. Current debt now under 10K. :j This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago. I must admit we have slipped…
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Looking To The Future With Hope
After reading @Onebrokelady thread I feel so inspired and in awe of how someone can be so positive when they’ve faced such adversity that I’ve decided to start a diary. Now, I can’t promise that I’ll keep this up, as I do have a tendency to start things full of enthusiasm and then I stumble and give up, but we shall see.…
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Keeping afloat till I can get round to the debts!
So here goes with a brand new diary. With the financial situation across the country as it is I'm going paycheck to paycheck and debts seem to be going up not down. It's time to take stock. Focus on the money actually lasting the month and forming a new plan. I've never been one for following the American debt fella but I…
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Next steps; grip-relaxing bimbling, and avoiding the temptations
Time, I think, to start a new diary. My first was about removing our debts, paying off our mortgage and working towards, and through, the first few years of not working. I don't call it retirement at that point, because a wealth of volunteer activities were taken on or continued, and a number of hobbies aspired to or taken…
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Attention Deficit Debt Free Wannabe
I've decided to start a diary after reading through other peoples and being inspired and receiving some great advice 😀 I won't rehash what's already been posted. My original SOA and questions: Today is mothers day, so plan today is visit mother with DS and drop off cards and present, a box of Ferrero Rocher, paid for out…
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Reset 2026
So 2026 is going to be my reset year. Started September 2024 with 32000 in debt, cards & loans. By the end of December I will be down to 8995 - gotta add the extra just to get to a figure starting with 8! Hoping to clear the lot by the end of September 2026. I have a tax bill to pay by the end of Jan and the car MOT at the…
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Moved
Moved to retirement planning.. .
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It's me, hi, I'm the problem, it's me
I am my own biggest problem and obstacle in life. It's time to change for the better. I'm doing a lot of thinking about changes I need to make in my life to better prepare myself for my future.
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The Three C's - Coffee, Clothes & Credit Cards
I'm back again and I thought I would start a new fresh diary. Life has been hectic for me in the last 6 months with some unexpected expenses that have sadly led to me getting into some more debt. Fortunately it is all on 0% credit cards and I plan to tackle it £1 at a time. Technically I do have enough in savings to cover…
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Buffy and the Mortgage adventure
Good morning, I don't know if anyone will remember me here as I have been away for a while. I am about to get a mortgage finally and money is going to be very tight. Squeaky tight! I am buying my sisters out of Mum's house, I lost Mum in 2024, it was a very bad time, the worst time. Aside from the grief, the money side has…
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£2,576.79 to clear by March
£956.15 on one credit card, interest free period ends 16th March £1620.64 on the other, interest free until the 1st March It's entirely possible that I can't quite manage and end up doing a balance transfer, but this diary is to give me the accountability to try my best. We've had a tricky year financially after my husband…
