Debt free diaries

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…

Hello all Here again for round 2… my first diary https://forums.moneysavingexpert.com/discussion/4529627/can-i-do-it/p1 I’ve just looked back at this and as much as I really thought I knew what I was doing, it’s crazy to now see 10years later here I am. I was in my 20’s and ambitious and honestly looking back on it now how…

New year, new car and new loan, equals new diary. My previous dairy; Why am I doing this s**t agin? Right…because last year I had a midlife crisis and succumbed to the ‘shiny new car’ syndrome. Buggers. I very much enjoyed the challenge of debt busting last year so lets gooooooo round two! My finances so far: Sinking Fund:…

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…

Newly divorced but with big debts to clear here - moving and divorce legal fees, furnishing and essential repairs on the new place for me and my 2 teenmonsters who live with me 50/50. I managed to secure a 0% 15 month purchases card a few months ago when I moved to pay for furniture and have just secured a 0% balance…

After some pondering, I've decided to start a new diary to reflect a new focus chez la maison Blackcats. My previous diary (giving every £ a job) was pivotal to moving from early retirement wannabe to achieving early retirement and it has kept me on the straight and narrow through my first years of leisure time. Being on…

I've been a lurker on here for a while now and kept meaning to start my own diary but for some reason or not I haven't, I now know it's probably because of the shame I'm feeling. I've had some kind of debt for as long as I can remember but never to this extent. 8 years ago I had just paid off £3000 on my credit card and…

I'm thinking posting here will give me the push I need and hold me to account a bit. For context, when at university, I got myself into debt in order to survive. I was stupid and moved to London for university from Newcastle. I'm now 35 and haven't been debt free since I was 18. It's not impacted me too much - I've always…

Last year I started a debt-free diary that really helped keep me on track, unfortunately I then realised that my username was one I had used elsewhere and with a bit of Googling, someone might be able to identify me and use my personal details. I have now got rid of that profile and started afresh- and not a moment too…

Hello - I had previously had a debt free diary about 4 years ago, I think I was in about 40k debt but then cleared it down by about 10/15k but never addressed the underlying issues and of course the debt just ramped up again. A big promotion and then another secondary promotion really gave me a false sense of being…

H everyone, It's been ages I know and the forum has changed, but my posts were getting really boring as nothing really changed very much and to be honest I was getting bored writing the same old things. Anyway I thought I'd start another thread as its coming up to winter and like most basic OAP's I'm expecting this winter…

As my old lecturer at university said to me once when we were discussing the topic of my second year dissertation. Anyway I’m sitting here at the start of a long weekend, I owe about £2000 and I’m going to need to put food on my credit card to get to the end of the month. I think I will still end up forward at the end of…

Hi everyone 👋 Recent Dad to twins (can I still say that 15 months down the line?), and if there’s ever a motivator to sort your finances out, it’s that! Since becoming married, me and my wife prior to the babies have managed to accumulate some debt and it’s time to make a change! 😤 I’m working hard to change my…

So, I haven't been great with money lately and my spending has got the better of me, coupled with the fact I took my eye off the ball and didn't budget for my tax payment this month 😬. I have managed to get it covered, but I need to pay attention to sort out my debt. In about 5 and a half years, my mortgages will be paid…

Currently on a debt management plan and have sold our house to release equity to pay off our debts. We have a couple of issues with this we owe 56k and have 50k available but I am currently 8 months pregnant and our car is broken - cracked windscreen, doesn’t lock, front door doesn’t close properly and we cannot fit all 3…

Hi, I'm a semi-regular who has created a new account as the thread I started this morning on my old account got locked and I didn't appreciate that. So here's take two on my new account. Hi everyone I'm back again, still trying to clear the debts. I won't go into a long explanation as to where I've been (no excuses - I've…

Right, I am going to finally start a diary on here. I am being supported financially by my OH to allow me to help my sister care for my 90 year old father. I have an expensive event in Feb that I need to save for. I have been using YNAB since Feb so I have an accurate record of my spending for 6 months. It's not pretty. I…

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…

I'm starting a diary here as I have decided that I want to start focusing properly on becoming debt neutral. I have been thinking about it for a while now and started the process a couple of months ago but feel that it's the right time to start a diary to help keep me on track as I have a horrible habit of spending…

Harry Potter fan here - how could you tell 😉 I've been here before under another username but needed a fresh start so here we are! I'm in debt at the moment but it's on a 0% credit card and I've got a good plan to pay that off within the 21 months. I've also got my mortgage for my wee flat which I'm planning to pay off in…