-
Time to quit stealing from my future self!
Hi all, First time here. I have read some diaries & posts over the years but never signed up until today. My reason for signing up. Well, I have had what you all call 'my lightbulb moment'. I've finally realised that with all the debt I'm repaying, I am stealing from my future self because I am going to be paying interest…
-
Deleted
Deleted Deleted
-
IVA Paid to Date
Evening all, I took out an IVA 2 years ago, I now don't believe it was the right solution for me as il explain below. I have no assets, rented house, company car and debts of around 17k total. I now believe that a DRO would have been more suitable but we are where we are. I was recently sent a letter from a company named…
-
Half a world away
This is my second attempt at keeping a DFW diary. The first fell by the wayside quickly. I've had several LBMs over the years and recently had another. Not illuminating the state of my finances as I've been keeping a relatively steady watch on them. However, when I checked back on this forum at my first diary attempt I saw…
-
The 'tail between my legs' diary
Having paid off over £17000 of debt in 2013, I'm on here again with more debt. I got into this situation mainly due to my sausage dog rupturing a disc in her spine back in April. Although she had insurance, it was only for 2K for each new condition in any year. The operation and recovery set me back over 6K so I had to…
-
Win Some, Lose Some (Debt Free At Last!)
I started a diary back in 2017 when I was nearly £50,000 in debt, but didn’t keep it up. I have been beavering away at getting the debt down and now I have just £11,955.71 to go. I want this gone by the end of 2022 as I want the freedom of choice to drop down to either part time hours or to go self employed. I have a well…
-
Getting started getting sorted
Hi, I wanted to pop on here so that I can record my journey for my own personal reflection mainly but also for anybody in a similar situation so that hopefully this can help. A little background, a couple weeks ago now, my debts and excessive spending finally caught up to me and I realised the trouble I was in with around…
-
Debt is destroying my life - please guide me.
Hi everyone, It’s taken me a incredible amount of courage to post this. Ever since covid made me lose my business I have been spiralling into debt and my mental health is worrying, I cannot see the light at the end of the tunnel for the first time in my life…. Before I go into this, please understand I KNOW the debt is not…
-
How quick can I clear my debt
Hi all long time lurker first time poster on this forum. Hoping it helps me keep focused and looking forward to any advice that helps me on the way. Currently on a DMP with PayPlan but really want to take the steps now to get it cleared as soon as possible. I was paying 125 a month but have lowered this to just over 20…
-
Negotiating Settlement Figures and Keeping on The Straight And Narrow!!!
UPDATE! I have paid my Barclaycard and most of Tesco CCs off. This leaves me with about £5000 to manage. I must not f%*£ this up! I have been given a lifeline and I'm gripping on with both hands. *** Hi Fellow DFWs and Other Very Helpful People.... I have been in some sort of debt since before I turned 18. This amounts…
-
Saving Christmas, literally
Hello, I have been a Forumite for over a decade to varying success but especially over lockdown etc things got out of hand again, husband got hit with a massive tax bill (which I still don't quite understand, but I think he hadn't been saving for tax from the earnings the year before covid and then obviously didn't have…
-
Back again
I was very active on the forums quite a few years ago. Our debits on credit cards have been at 104k at the highest but now with a lot of hard work they are down to 26k. The trouble is I've just had enough now. I can't find the motivation to keep clearing it. I'm feeling the urge to spend on the house and get new stuff all…
-
Let the Journey Begin…..
So here we go, first step in the right direction - I’m determined to get my finances sorted once and for all. A little bit about me: I’m a mid 40’s mum of one, living with my OH and son. I’ve been in debt on and off since I decided the student overdraft being offered to my naive 18 year old self was a good idea. It really…
-
The Best View Comes After the Hardest Climb.
Hello, Welcome to my new diary. I have one big goal to own my own place, preferably a house but more likely a two bedroom flat. With this in mind I have so far saved 12,000 pounds. In case you didn't already know I am pretty old ;) and live with my mum - she used to go abroad a lot but no longer does, initially due to…
-
The Ultimate Incentive muddles along
Part 12. I have now been limping around these forums for the best part of a decade. I cleared it all, it all came back. It was nearly gone again, and it's grown almost to the max again. Somehow nearing that £16k debt figure always signals a change in the winds, something happens to make our finances go in a better…
-
Biting the bullet
Like many others have been a lurker here for a while. A great place for support! Want to finally clear what has been hanging over me for some time. I feel like I'm finally beginning on the right track, but need to see it through. A few diaries have made me understand how I got into a mess - mainly living the life I want…
-
Expensive times
Single mum with young family trying to avoid the dreaded debt. Starting a diary to hold myself accountable for my financial decisions. Hope this is the right place. Am currently out of my overdraft and hoping that posting here will help keep things that way.
-
Becoming debt free is HARD WORK
And soo boring! I'm hoping a diary will help me to keep motivated. I'm a nurse and my husband is a post and we have two children aged 4 &5- they keep growing and I've just had to buy them new clothes! I'd like to clear my debt by December but I'm not sure if I can do it so I need support to stop buying things! I'll do my…
-
Pennyapple - lone parent, 1 income, trying to get debt down ahead of price rises to come next year!
Hi Everyone I've been using Moneysavingexpert for years and years but this i the first time I've joined the forum. It's me and my two kids, older one just turned 18, the younger is a teenager. I Mortgage own my home and have a relatively small mortgage (£33K). I have 19.5 years left on the mortgage and the current fixed…
-
Virgo In Pursuit
This is my first DFW diary on my journey to become debt-free. For those who don’t really follow the zodiac, Virgos are known for being perfectionists and control-freaks, I tend to tick the boxes except when it comes to my finances. A little bit about myself, I am over 30. I think I enjoyed the freedom of my twenties too…
