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Dolly's Diary
So this diary will help me with the following; - Becoming debt free for the last time! - Become mortgage free for the first and last time! - Stop relying on credit to get me through life - Have an emergency fund - Cancel all of my credit cards - Save for my OAP days I'm just sorting through the CC's and other debts that I…
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£29,303...Enough is enough!
So, I’ve had “lightbulb moments” before, but today I’ve reached breaking point. The realisation that we could lose everything, including a roof over the children’s heads, has slapped me in the face. From £4844 of debt 18 months ago, we are now at an all time high of £29,303. Yes, we have things to show for it. We’ve bought…
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A basic cordless phone..
My elderly mother struggles with technology - as do I! She needs a basic cordless phone so she can make and receive calls. If it could also store her ten most used numbers, that would be great (and a speaker phone feature would be a bonus. But that's all. Why is it so hard to find such a phone out there? Surely there must…
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Debt...
I owe sister - £3,323. Credit card - £3,553.36. PayPal credit - £647.27. I will be debt free after 2-3 years.
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Fit and debt free by 40ish
Hi everyone, I've been using the MSE site for years but only just discovered the forum a few months ago and have been very inspired reading some of the debt diaries here, so I thought I'd start my own. I've got a few debts that have built up over the years, due to a combination of taking out a few loans to fund the cost of…
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Three(ish!) years until I ditch the rat race?
I previously had a diary whilst getting out of debt but unfortunately I can't find it and I got locked out of my account when the forum changed over. I found the encouragement and accountability invaluable so I'm back again! In the next 3 to 5 years I want to move back up north and drop my hours (I'm currently working a 50…
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Everything's An Opportunity
Hello everyone :) I'm new to posting, but I have read the forums and the posts from you wonderful people for many years. I've recently had a bit of a wakeup call and thought a diary might do me some good, and maybe anyone else in a similar situation (that'd be great!). In September, my fiancé decided to leave after 10…
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Every debt this debt will go down
Hello all. Ive had a diary before and I think Ive done well so far but Im starting afresh. In my last diary I was all in a tizz about how to afford a particular thing. Ive done really well in a self managed dmp but recently have been dabbling in credit and it doesnt suit me. I survived a good couple of years without access…
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My brutally honest diary to myself
Hello my names oceans7 and I'm in debt :( As the title of my diary suggests for some reason that I cant fathom this Christmas has hit home to the level of my debt. I feel like I'm drowning in debt and am unsure of how to overcome it. The debts have been built up over the years by my irresponsible shopping habits and…
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I’m just a dreamer.
‘After all, there's only just the two of us And here we are, still fighting for our lives Watching all of history repeat itself Time after time’ Well, here we are folks, the road to financial recovery. I am a 25 year old male, and have had bad spending habits since I started working at 16. I have never budgeted properly,…
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My Diary v3.0
Hi All!! Well, here it is... "My Diary v3.0" My previous diaries (don't panic, there are only 2!) can be found here.... https://forums.moneysavingexpert.com/discussion/1303349= https://forums.moneysavingexpert.com/discussion/2961314 Today, my signature looks like this... LBM :idea:,- Wed 19th Nov 2008 ;)£19,225:mad: JAN…
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PinkNeon's debt free thread
I've been fighting for years. Divorce, extra spending to give my kids what they need, frivolous spending, compulsive bidding. Beyond my means. This year I am ready to fight the good fight. Been trying to get better employment and tight budget I only started overpaying in October after doing a lot of research - a small…
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Now or never
There comes a time when you need to change. For me that time is now. For years i've read this forum, left for a few months and then begun reading again, repeat, repeat, this time I have to stay. I have given myself a 2 year timescale to pay off the debt and save £10,000 so we have some back up for once. Debt currently…
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This could take a long time
Well, I have no idea if I am doing this right but here goes. Basically, I have read a number of diaries on here intermittently over the past few years to try and inspire and motivate me to change my habits. I have never taken the time to post but this year, I have decided to take the step of registering and posting on…
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Debit Free Diary Starting August 2021 - Target Christmas 2022! DEBT FREE Jan 2023!!
Good Morning All, I am planning to get debt free by May 2022 (excluding mortgage). This has been driven by getting refused for finance for a car based on the level of borrowing I already have. I have previously (in my younger days) got in some bother with payday loans and credit cards, I was borrowing one to pay the other…
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I’m 34 and have been in debt since I was 18. It ends now!
Hi all I’ve had a massive lightbulb moment recently and I’ve decided I’ve had enough of being constantly in debt. I’ve never struggled with monthly payments thankfully but I’m really fed up of paying out some sort of debt every month. I used to own a house with my ex and would overspend as we had a good household income. I…
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Clearing the credit card to enjoy living abroad - the final step on the debt free journey
After a few hard years of clearing debt I stupidly allowed an ex-partner to build up, I am now on the final steps to freedom. I've been lucky with support from my Mum and worked very hard, and now - I have been given a 12 month assignment overseas in Asia. I am SO excited!! I have one remaining debt - a credit card with…
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Here goes…
I’ve have been a lurker for the longest ever time, and now, I find myself with a ‘manageable’Amount of debt. My goal is 100 days, which brings me to April 10th 2023 £50 a day is where I need to be and so far this year I’m on track, payday is tomorrow so I should be able to pay the lot off the debt, 🤞🏻 the dog has stuck a…
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Tackling my debt
So decided to live the debt free life, and tackle it, as DH is about to become medically retired in a few months, so I would struggle to get everything repaid quickly. It doesn't help that I have ADHD so am an impulse spender. I have the following Paypal £1953 Monzo Loan £4200 Virgin CC £2137 0% until Dec23 HSBC £5427 0%…
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Crunchy pays off the loan early, and other stories
I used to be called crunch_time - but then the forum changed, and I had to face up to my disorganised email address administration. But its me. Same crunchy, slightly different username. Same goal - smash the debt whilst living life to the full. Crunchy x
