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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
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Drawing a line under the debt. Take two.
So, I can't believe that I haven't updated my diary since the end of march. So much has happened in that time I feel a fresh new one is better. Here is the link to my previous one. https://forums.moneysavingexpert.com/discussion/5585379 So what has happened. Well my husband FINALLY got a job! He was made redundant in April…
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Digging My Way Out Of This Mess
Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1[b] Monthly Income Details[/b] Monthly income after tax................ 1950 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
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Things can only get better
Unbelievably my very long running diary of 5 years seems to have been deleted :( Not happy about this to say the least:( Not sure what to do about it. Need my diary to keep me sane and on track. Had to swiftly come up with a new title, had been meaning to start a new diary but not this way. Anyway, in brief for those who…
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2022 - Moving forward
I've decided it's time for a new diary for the New Year. Lots has changed over the last few years, and I'm finally at a stage where I'm on a bit more of an even keel with my finances. This means it's time to build up the savings, get the work on the house done, tackle the mortgage and clear the last couple of debts.…
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Spending £10 per Week on Groceries
Although I am a newbie, I hope no one will mind me starting my own extreme frugal diary. I have been inspired by others and by posts on the Old Style board. My financial troubles are due to a combination of bad luck and stupidity/naivety. I don't want to give too many details because I am deeply ashamed; I ignored all the…
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Time to start a Fresh part 2, 2022!
Hey all, I thought as it's a new year it's time for a new part to my Diary. Part one is here if you'd like to have a read along - https://forums.moneysavingexpert.com/discussion/6231115/time-to-start-a-fresh#latest At the beginning of January last year I decided I would start my own diary as I've seen so many people be…
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Giving Up/Cutting Down Alcohol Thread Part 17
Welcome!! Here we are again, time for a new thread, new starts and new challenges. Let's take a trip down memory lane and remind ourselves of In Search Of Me's original post on February 24th 2008 in Part 1: And here's what she started!!! Part 16 is HERE Part 14 and 15 is HERE Part 13 is HERE Part 12 is HERE Part 11 is HERE…
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Put away your purse & become debt-averse
I've decided to start a diary to show that it's possible to change from a terrible money waster into a a bit of a budgeting ninja. OK, I'm not perfect....we all have slip-ups now & again....but I am proud that by my budget efforts & our surprising willingness to change from big silly spenders (we really were a pair of…
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Second the best!
Okay, so here I am back again.I could quote a whole list of things that took me a step closer to being here - taking a second basic account, agreeing to convert it to a current account, applying for an overdraft, using CC for day to day needs but essentially just taking my eye off the ball. I had a DMP about ten years ago,…
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5 months to emerge as a butterfly
“When you find yourself cocooned in isolation and you cannot find your way out of darkness… Remember, this is similar to the place where caterpillars go to grow their wings.” <3 Welcome to my new shiny diary :) I have been around this board for donkeys years now, I'm fairly good with my money but financially things have…
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Changing my life, goals and finances!
Just under a year ago I started a diary on this forum: https://forums.moneysavingexpert.com/discussion/6296292/time-to-clear-the-remnants-of-my-old-life/p1 The intention was to become debt neutral on my substantial interest free historical debts before I put in offers for F&F settlements. However, my priorities have…
