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Doing up the House (and me) while doing away with the Debt
So my first thread was all about finding myself in a really depressing state and the mammoth journey to get out of it. It worked but after an absence I came back with a thread to wake myself up, stop being pushed about and start thinking about making the most of my life. I feel in a really good position now and haven't…
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Carrot cake in the oven
I've just made my first ever carrot cakes and they are baking in the oven. It was actually quite soothing, I'm glad I made the effort to get the ingredients yesterday, it might be my new Sunday morning alternative to mooching about worrying. We've quite a few debts - yet again! I guess I'm not the only one on here to be a…
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Debt stopping us from starting a family
I have so much guilt and regret for the decisions that I made around money throughout my 20’s. I am now 29 and I have £13,791.14 of my own personal debt to my name. I lived very ‘for the moment’ thinking I had all the time in the world and I never really felt maternal so starting a family didn’t seem like a priority. I…
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Home Goals
Good Evening Ladies, Gentlemen and Others, This is my first time to the forum, so please do bare with me. I have done a lot of thinking and I have decided it is time to open up about my debt issues. At 23 years old, I have probably been in debt since as soon as I could obtain credit at 18. Starting off with a small credit…
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EH - Essex > Hebrides...the next step of the adventure?
Well well - here we are again then, new diary as [STRIKE]threatened [/STRIKE]promised - the previous one can be found HERE - there are others too - if I can be bothered to go find them I'll add in some links, otherwise feel free to go stalking if you should wish to! Previous diary to the previous one mentioned above...…
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Staying debt-free? Being sensible and not letting it build up again?
Hi All, I'm looking for advice on staying debt free, as well as sharing my story of the situation and where I want to be I've shared a fair bit lately that I'm currently in the process of selling my flat after moving in with my grandma to help her more around the house due to her ill health, and decided that the equity…
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Drowning in puddles!
Hello, my name is Rainy. I have reached the bottom of a big puddle. Everything has fallen apart. My finances are a complete and utter mess. My relationship has ended. My health is potentially in trouble, as waiting on biopsy results. This is the first step in taking control again. I need to find out exactly how much debt…
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Rambling on...
Where do I begin? This is hard... OK, I'll begin with my SOA: Household Info Number of adults - 1 Number of children - 0 (they are with their Mum) Number of cars - 0 Monthly Income After tax - 2104 Benefits - 0 Other Income - 0 Total Monthly Income - 2104 Monthly Expenses Rent - 295 Council Tax - 80 Elec - 30 Gas - 30 Home…
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Debt Free Journey Starts Today!
27 year old man here, making good money as a construction project manager. Always relied too heavily on credit and it’s crept up on me and I’ve realised I need to get a grip now before it gets any worse. Personal Loan - £7151 - 11.1% CC1 - £3200 - 39% CC2 - £1097 - 0% Monzo Flex (BNPL) - £550 Very - £398 - Next - £450…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
