-
Further financial faux pas and even more disasterous decisions
Dearly beloved it has been 14 months since I first bared my soul to the people of t'internet in a quest to salvage some of my wage packet for something fun as opposed to the nescessary daily expenses incurred by merely surviving. Over that period our overall debt has halved and I have learnt lots. Mostly that the harder…
-
Debt free after 20 years
Good morning all I have been a member of this forum for quite a while but am using a new name as scared my family may discover my old one!!!! I am a stay at home mam who shopped when she didn't have the money to do so. Suffered from post natal illness and completely lost control of my life. We live in a lovely home and I…
-
Control freaks - control free area. My diary to change things around
After lurking for a while and reading everything I can I have decided what I need to do is my own diary. I have implemented a lot of changes but confess I am a bit of an ostrich when it comes to my finances. I really struggle to open bank statements etc, whether I am in credit or debit. My debt story started when I was 18…
-
My money saving ways
Well hello there Diaryland :santa2: Welcome to my literary corner of the DFW world :) My first diary - Money Saving Musings - saw me through the first stage of my journey towards a debt-free lifestyle. Towards the end, my diary got full of wedding prep so I thought I should start a new diary, especially now I'm all newly…
-
£30,140.00 - My Journey back to ZERO || DFW Diary
Hi y'all. This morning I did something properly that I have never did before in my 8 years of being in Debt. I wrote down exactly what I owe. Now when I say exactly I had to 'guestimate' some of the balances but its as close as I can possibly get it. The total was: -£30,140.00. :eek: :mad: :( Seeing those numbers on the…
-
KoalaBear's Epic Tree Climbing Journey
I'm starting off today with my new head on. Lose pounds off the debts and off my body. I have a back to work interview today and hope to start work again next week and I'm going to tackle my finances today, get in touch with CCCS etc. I know you're a friendly bunch on here, so please don't mind my ramblings :o
-
From a Couple to a Family: A Few Obstacles First!
My hubby and I have made a decision. We will give in to our broody feelings and start a family in 2011. We still have a few wrinkles to iron out yet, including the following: 1. Clearing my debt (OH has some too but we're going to stick to just mine so that we can cope when I've got a reduced income). This is now at…
-
-ignore-
wrong places >.<
-
No pay rise, so we are moving out!!!!!!
First time posting in this section, but hope to keep a diary of my journey, and hopefully working towards being debt free. OH and I have been working with a good salary for past 5 years, but with no real prospects, we have decided to gamble all on a move for him to the middle east, with a tax free wage. We will need to…
-
Loan advice for a 23 year old graduate
Hi I still have mu overdraft 2 years after graduation of £2000 and I have about £1600 on a credit card as me and my OH decided to take a holiday to Japan this September and that went on my card. I have a okay wage approximately £18000 odd and should be able to pay my overdraft off but I just never do it. I had a good…
-
So where do I begin
Im struggling to get rid of 40k of unsecured credit card debt I'm keeping up with the minimum monthly repayments around £1300 but feel I could get it all re financed and pay far less. Allowing me to reduce the debt. I only reduce my debt by a few pounds each month cause of all the interest. I would remortgage but am…
-
Matt's Attempt To Get Debt-Free
I'm a long time lurker on this site and have used it to get a lot of good advice over the years, but now it's time for me to actually zap my debts for good and become debt-free for the first time since I turned 18. A bit about me: I'm in my early 30s and have a full-time office job that pays well and have recently taken on…
-
Gona start pulling my finger out!
Well, ive been reading a few debt free diaries and i think i should start one just so i pull my finger out really and knuckle down. I wanna be debt free before im 25 (10/08/2012, my birthdays 11th ). I am going to try and clear as much of my debt as possible because its getting me down. Ill start with a little bit about…
-
Keeping things on track
..........................
-
Walby1993's determined diary to become debt-free!
Hi all, I am fairly new to the MSE forums but am very addicted! The reason - I had my LB moment just before Christmas and am absolutely determined to actively try and become debt-free instead of drifting along thinking I will get there one day! So a little but about me - I am 24, engaged, own a one bed flat with my fiance.…
-
Operation Sort Stuff Out - Take 2
Hello lovely MSE-ers. I'm starting a diary again after failing miserably to keep it updated before and going a wee bit off-the-rails. :eek: The background to this is here. So I'm going to start keeping on top of things - I have a wedding to save for, I plan to get my wonky teeth fixed prior to the wedding, and I need to…
-
Memorygirls - The Matrix Re-inspired
So here we are again – setting off on a new thread as we have exhausted the post count on our previous thread “The Memorygirl’s The Matrix Re-loaded” – but as you can see we are still keeping up with our Matrix inspired theme. Quick catch up to help you get up to speed with some of the chat occurring: When we get stuck –…
-
The journey starts here - don't stop believing
Hi, I am 25, married with a 2 1/2 year old son. I will attach a SOA when I find out what our exact balances are for our debt - it's a lot (including mortgage which is loads). I want to be debt free by 40. That, I know, is a much longer time than most of you but by debt free I also mean mortgage free - our unsecured debts I…
-
Surfbabe Wipeout
Hi folks I thought I'd start my own thread to try and keep myself on board and to stop falling off all the time!!!! Writing things down is a nearly (?) surefire way of making sure I do things. The only debt DH & I have is a mortgage (£51k) and facility to draw on part of the equity of our house - which is the problem. I…
-
I am not an Emu
so this month I have taken my head out of the sand, lifted my blinkers and ear defenders and have dared to take control of my life and be a proper grown up!!:eek: This is always the most painful part of any journey but with the support of the blog I am confident that it is now only about looking to the future and not…