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14 months to go!
As moneysavers go, I've never been in the depths of being in debt. I'm more of a 'there's always something' at some point in the month that happens, that messes my beloved budget up and I predictably feel down on myself for either not being prepared or not foreseeing something that I should! I live on my own (apart from my…
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There is always tomorrow
We live on a smallholding in rural Wales. We don't keep any other animals than horses that are oldies now and it is only me and DH at home. Compared with a few years ago there is a lot less to be paying for although the costs of previous years have caught up with us and we are paying loans and credit cards. The purpose of…
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Three Years of Tears to Yippee I'm Debt Free!
Hello All... This week I have finally faced my debt demons and I know I have to do something about it. I am 59 years old, married and financially, to the outer world I look like I am doing well, I have a good income, I go on nice holidays, drive a nice car and live in a nice house but I have been for the last few years…
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Retirement wannabe
Hi everyone Not sure this is the right place to be posting my diary but can’t see anywhere dedicated to retirement diaries, I do have some debt too so hopefully you won’t mind me posting here 😀 Been thinking about retirement for quite a while now. I am only 50 but definitely don’t think I could do another 17/18 years so…
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Daisy's Debt Free Diary [30F/Autistic]
Hi everyone! After spending some time lurking and reading other DFD's I've decided to start my own to track my journey to becoming debt-free. Right now, my total debt sits at £3,124.06, spread across two CCs: * Card 1: £826.70 (0% interest until 8th September 2025) * Card 2: £2,297.36 (0% interest until 17th January 2026)…
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Taking control of the emotional spending. On my way to being debt free
Morning, I've been on here a long time and followed a lot of inspiration al journeys. It's time I now ensured I was following the same strategies to pay off my final three debts. The first is my mortgage. I owe around 167k and it is due up in October 2025 with a huge increase expected from my fix. The house is worth around…
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Hopefully debt free before Mortgage renewal in June 2026
Hi, So, My mortgage is due for renewal in June 2026. I bought a house for £190,000 with around a £48,000 deposit on a 5 year fixed rate of 1.63% interest which comes to an end on 30th June 2026. I currently owe £129,363 and pay £517.72 and i have 25 years and 6 months left to pay (i will be 68 when this ends). I know…
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Chasing that pot of gold at the end of the rainbow
Welcome to my brand new shiny diary. I contemplated writing in my old diary again but that is just a reminder of how I start things and don't see them through. I started my last diary in November 2023 when I had £66k of debt, my total debt now stands at £39,575.66. My debt isn't going to disappear in 2025, I'll be lucky if…
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Debt-free by November 2025
Hello, I have got lots of excellent advice from people on this forum over the past couple of months and I now feel ready to start a diary. My budget might not be quite right yet and might need some ongoing tweaking, I am hoping this diary will allow me to hold myself accountable and reflect on actual spending each month so…
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Scam email? Or legit?
Hi all! Does this look legit or a scam email? Thank you Good Afternoon, I trust this message finds you in good health. My name is John Maxwell, representing Money Wellness Group. I am writing to formally notify you of a matter of utmost importance. We have received a legal complaint on behalf of the following institutions:…
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Building a Better Future
Hello everyone I'm posting this new thread to track my journey to being debt free by the end of 2026 and living with a more content attitude. My main goals: Chip away at my debts without adding to them Control my impulsive spending Cut down on costs Be happy with what I have I struggle with my moods a bit and probably have…
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Mentally exhausting
Hi all, this is my first post but a long term reader of this forum. I have been in debt my whole adult life and now in my early 40s. It all started when I started work at 18 in a high street bank and had access to easily accessible credit which I kept consolidating and taking out more. I was on top of my debts but my OH…
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When it's good, it's fun. When it's bad, it's funny.
Aaaand herein begins my new diary, where I hope to capture the ups and downs of the journey. In other areas, it's been fun to read things back several years later and experience those "oh, yeah!" moments, so hopefully that will be the case here. As of 01/11/24 I have cleared a 0% balance transfer card within the 3 month…
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I just need to be better and develop some good habits
Hi everyone! This isn’t my first money diary, but a lot has changed since my last entry. My income has increased substantially, and I now have a partner. Together, we’ve been fortunate enough to buy a lovely home, valued at £700k. That said, my lifestyle has evolved—so much so that my past self might hardly recognize me!…
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Feeling Motivated
Howdy and welcome to my DebtFree diary. (which I hope very soon will be a savings diary) I have been a long-time lurker on this forum and have learnt SO much, i just wish I had known about this site when I was £17k in debt in 2019 following a mixture of bad choice, bad habits and doing what I could to survive. But here we…
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The 6 year plan!
I've had diaries before that have for various reasons lost their purpose. Last few years have had big changes in my life, I now have 2 children, I've completed my academic studies and now have a more driven passion for career progression. With this it feels like we have come to the top of our debts and now want to bring…
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0% Virgin Card accidental purchase
We have a 0% transfer Virgin Credit Card but I accidentally used it for a purchase will i now be charged interest on the entire amount on my card or just that over the transfer amount?
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Broke and lonely with it
Hi, i just need some help to keep myself accountable for getting my bills brought up to date after a spell of no income and no savings. Basically i left a well paid career due to stress and now earn a lot less than i used to. I do have cc debt from when i could afford to borrow it but have decided theres no way i can pay…
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Trying to get out of the money mess
So I have got myself in to debt. I'm in a fortunate position in a way, my husband earns a decent wage and pays the mortgage and all that main bills. We have a joint account which I pay £150 into, the family allowance goes in and he pays the rest, everything comes out of there bill wise including mobile phones. Our wages go…
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Accountable
September! It always feels like the start of a new year to me, I'm not sure why, perhaps its the new school year that's embedded in me (even though that was a long time ago!), Or perhaps it's because my daughter starts secondary school tomorrow! Eeeeek! I've decided to keep my own debt free diary, to hold myself…
