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T minus 220 days to go...
Well, this is my shiny new diary to go with my shiny new user name. I used to be a pretty regular poster on here but I realised that my user name and diary probably gave a bit too much personal info away about me. I have been lurking on the forums a lot though and I miss the accountability that posting gives me, especially…
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New directions
Hello! Just to introduce myself, I'm 30 years old and a long term lurker on the site having had my LBM quite a few years ago. At the time of the LBM, I was working full-time and like a good girl I started to pay off my debts and managed to clear a personal loan and my overdraft. Then everything changed. I'd started to feel…
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Gotta get Debt Free
I hope people don't mind me posting my first thread in here. I've been lurking for a very long time and thought it might be an incentive to stay on track to start a diary. I have done a SOA at home (and although not ready to post it on here yet) it shows I should have money left at the end of the month to put towards my…
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It's hard to walk in a single woman's shoes - that's why you need really fab shoes!
New diary for 2011 - and following Souk's SATC theme the title is a paraphrased (cos it was too long!) Carrie quote :D Back soon with plans :)
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Full and final settlement
Hello all, I have been on self managed DMP since Feb. We have some money from compensation claim for £34k worth of debt. I have offered 40% to all creditors so will see what comes back We owe Barclayscard, Santander, Nationwide, Halifax, NRAM, Shop Direct, Sainburys, COOP Bank, AA Loans, Lloyds TSB, Egg Will keep updated…
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New headcase
I've been in a very bad place over the last year. Everything has falling apart. I'm self employed and biz has been bad. Now, I have to make a choice. Sell the house, or get sorted out and pay off the debts and get on a straighted road - or else. I can not pay the bills, lots of medium and small amounts I owe. But together,…
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A plan so cunning you could brush your teeth with it :)
Well here we go again:D Bob's plan springs into action once more, after various cunning attempts by certain folk ( who shan't be mentioned :P ) to persuade me to keep on with another installment. So for those who don't know me- well you really don't want to;) My diary is usually a place where i enjoy a laugh or two- am…
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The Debt Monster Must Die!
My debt monster, an insidious little beastie, has been walking by my side for many years now, but the time has come for us to part. A cheerful and friendly sole he whispers constant inducements to ‘buy, buy, buy!’ The more I buy the bigger he grows, the bigger he grows the more voracious his appetite. An expert in cajolery…
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Marching On
Hello, I've decided to take the plunge and join the wonderful world of the DFW diaries. I've been lurking for them on for a while now, so think I know how it all works! My situation as it currently stands is that I am 26 (but days off being a very adult sounding 27), renting with my boyfriend, and am in full time work. My…
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Losing 25lbs and Gaining £25k all by Aug 2013......EVIL DEBT
Hi nice new sparkling diary, Okay so here it is. I am only planning on doing this once and once only!! and by the time I am finished I will have shifted over £25k of debt and over 25lbs of weight. Heres my story. I have lived well beyond my means since I was 18. I am just about to turn 30 in April and feel well weighed…
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Time to shift the debt (that thankfully brought us our beautiful family!)
Welcome to my debt free diary. The time has come to really start to focus on shifting our debt... Four years ago we found out that DH had an issue that meant we needed IVF treatment. At the time we were in a decent position financially - we bought our first home at 21, both had good jobs but we always liked nice holidays…
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The Nine Month Overhaul
Hi, I'm a long term lurker/occasional poster. I had a real LBM about a year ago when I came clean to my husband and parents about my debt. My Dad helped me out with an £8000 loan to cover the expensive debt and the rest I'm dealing with myself. I got rid of all of my credit cards bar one which I was using for nursery fees…
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Am i heading in the right direction
Hi, I have been on a DMP for the last two years and have just increased my payments to reduce the time till im Debt free. I was covering all of my min payments before the programme and was never in arrears or in any trouble with creditors but did owe in total about £30K. With all the interest i wasnt getting anywhere fast…
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What do I do first?
Hi, I am very glad that I have found this site. I am a 44 years old desperate woman and there is my situation: I have some credit cards debts , they add about £10000 and a business loan £12000, I have my own little business and it is going ok, the problem is I have to paid a month between loan and credit cards about £500,…
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My 100 day challenge!
I am starting my own 100 day challenge and going to use this thread to keep track of how I'm getting on. Starting today and ending on the 9th October 2011 I aim to: * Pay off my Topshop Store Card * Pay off my New Look Store Card * Have £100 in my savings account * Put all £2 coins I get into a jar during these 100 days I…
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Lightbulb Moment # 4
Hi All I've done this 3 times (at least) before, and last night I had lightbulb moment number 4, which has scared me more than 1, 2 and 3 put together. I've made efforts to clear debts before but to no avail, but as with most things in life, I think I could be a lot better at it if I could be bothered, so as of today I am…
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Marathon not a sprint
Im a newbie here, so don't be too harsh on me.:D
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Micholly's Debt Diary
Hello. I've decided to make this the place to keep notes on how i'm doing with clearing my overdraft and what challenges i'm taking part in, etc. Although i'm keeping it for myself, please feel free to post. DEBT: BOS Overdraft: 2350, interest at £1 a day. SANTANDER Overdraft: 242, interest free LOAN: 4 repayments left,…
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Sort my life out......
Hello, So i've been reading some of the debt free diaries today and have been motivated to start my own. After years of being wreckless with money, my finances are a mess :( and I have been trying to do something about it for a while now but feel like I am getting nowhere, it is starting to drag me down and keep me awake…
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One day at a time
Although I was using my SOA as a diary, I am fed up of seeing the sad face on the thread title and given the changes that have been made I'm starting a new happy thread. So after getting no responses to job application I have now been asked to attend 2 interviews and they are both for jobs I want to do and know I am…