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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…
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A return to MSE with a DMP so I can be debt free
Hi everyone, my name is Pencakes and I joined MSE around 8 years ago. I'm single, 33 and live in the big old smoke. Living on your own in London isn't cheap, but I love my job and my little flat. I'm a huge motorsport fan (it's also my job, lucky me :D ), slightly obsessed with dogs and I'm doing the London Marathon in…
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Dancing my way through the daily grind
Hi, long time lurker first time writer. I am self employed and my income fluctuates depending on demand for classes, my husband is fulltime employed and it's just the two of us and our two dogs. A bit of background, just under a year and a half ago my husband and I decided on a whim to start taking paying off our credit…
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SOA budget advice
So I posted earlier about having 10.5k to pay off debts. I feel an SOA may help better understand our situation. Me and my husband are going through everything later this week to plan on reducing our budget and basically get things into the black. So I thought I’d post this on here so we can look at the advice when we go…
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This debt has got to go before I turn 40!
I have started diaries before and let them lapse. This time
I am determined. I really want to make some inroads into the debts that I have
accumulated and start to build some savings. I’m a single, divorced mum to two lovely primary school aged
children. I work in a reasonable job earning £35k. I own my (mortgaged) home,…
