-
Lets all be positive
Ok today is the start of a new start for me. I am starting a new positive diary and ditching my old one (albeit a fairly new one) and looking to the future. OK my aims firstly to do a SOA and snowball and get back on track and sort out my debts I am sitting with £4721.14 in debt owed to various places and am determined to…
-
The Final Push - Getting Rid of the Last Loan and CC
Right, I've decided after being on the forum for a good few years to attempt to create and maintain a diary to help keep me on the straight and narrow. I have cleared quite a lot of debt over the past few years and now only have a loan of about £2000 (must check exactly how much) and a credit card with a balance of £5000…
-
Need advice for my payday loans, credit card debts
Hi All, first time here, nervous, terrified, scared etc... as I start on a debt management plan. Briefly, I have gotten into a lot of debt that has spiralled out of control and I just want to get the monkey off my back now. I have been in contact with national debt line who sent me an information pack. After seeing other…
-
Highs, Lows and all the bits in between.....
So I have been lurking around since 2006! Our debt has always been managable car loans, bike loans bit on the credit card etc, but recently we have remortgaged (In a good way! not to consolidate) but it has made me realise that it would be nice to clear everything in preperation for slowing the pace of life a little. I've…
-
Trying to get debt free...
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household...................... 1 Number of children in household.................... 1 Number of cars owned................................ 1 Monthly Income Details.. Monthly income after tax........................ 572 Partners…
-
trying to find some motivation
hi, ive decided im going to try and start a diary to try and find some motivation and meet my goals and pay off some debts and get the budget back on track. i am currently on maternity leave and not planning on going back to work (not going to work to pay nursery fees and come out with nothing myself and i had children to…
-
Someone please kick me up the backside so that I stop spending and clear my debt's!!!
Well this is my new diary, I thought I had my light bulb moment last year but I think the bulb has totally smashed now. I am 28 and in a lot of debt with nothing to show for it, no car, no masses of clothes etc. But I do have a lot of fab memories of the last 10 years and holidays etc but as it was all on credit it kind of…
-
Time to make some changes . . . lots of changes!
So, I declared myself as DFW a few months ago (Will go find my SOA I did a while back . . . probably about time I did another one). I got involved in a number of challenges (see signature) but I was mostly playing games, not truly taking it seriously. And then the summer came and I allowed myself to rack up a whole lot of…
-
Time To Sort My Life Out
Hiya, just wanted to pop on and say "hello and thankyou for sharing" :beer: I am 53yr old female, who's attitude to money as far back as I can remember is "easy come easy go" :eek:. Needless to say that attitude has got me in to big trouble over the years. So here I am to sort my life out. I have been logging on to this…
-
Eltee comes in from the cold......
I've had to delete some of my posts because I think I may have been sussed by people who know me.
-
Debt-Free Domestic Goddess Wannabee!
Hello, I've been reading quite a few of your diaries lately and it has inspired me to join in. I doubt anyone will be interested in my ramblings, but at least if its written down then I have something to work towards and hopefully get me organised! I work part time, hubby is self employed (as the wage is never guaranteed,…
-
5 year plan for debt and mortgage freedom
Jan 26“Blessed are the young, for they shall inherit the national debt.” -Herbert Hoover Bit of a late start for a new years diary, but never mind, it's nice to finally have this little speck of the internet for my own ramblings. I don't regret getting into debt. Oh dear, I'm not sure Martin or a lot of other people on…
-
Fresian's Free Of Debt (Woo!) Now, to stay that way...!
Hello ;) I'm flying_fresian and I'm a long-time member of the DFW community. I was lucky enough to be able to pay off the £9,112.63 (:eek:) that I initially owed two years ago and became debt free on 2nd December 2010, mere days before my 30th birthday! If you want to read about my previous attempts to get debt-free, links…
-
Entrepreneurs plan to vanquish the Vanquis!
Afternoon all! :j I hope you'll all join me for what should be a positive debt-smashing experience over the coming months. S'bin a while since I've had a thread on here.:D I visit often and comment on the main board a fair bit. Taking a look at my little tally sig today, I can see I've free-wheeled for longer than I…
-
'Get a grip!'
So as per the title, I'm trying to get a grip on my spending :D I know, I know, I know! It's a problem, one I've inherited from the mother (who fortunately has my dad's salary and pension to spend!) This is definitely more about my spending habits that my debt, though I do need to stop considering that overdraft to be my…
-
A New Start - A better Life
Over the years money has been wasted in our household, I can see that now, but it has been a long time coming. We have just started the journey to become debt free and have opted for a Debt Management Plan. Our new bank account has been set up and we should see letters going out to our creditors pretty soon. This is a new…
-
** Hoopylass's Debt Diary! **
Hello there everyone, Ive been really inspired by all the stories that I have read on here and therefore have decided to get myself in order and start a debt diary to keep me on track and motivated! At the moment i have 2 credit cards as you can see from my signature. I also have a student overdraft (interest free) which…
-
Without a paddle... support for anyone starting a DMP in 2010 (part2)
HELLOOOOOOO :j Welcome to the new and improved home for the DMPers of 2010. Our first thread can be found here We moonlighted here for a while :shhh:, but now we're back (hopefully) :dance: Anyone starting a DMP in 2010 is more than welcome to join us for advice, support and many laughs n dodgy :grouphug:. We're all at…
-
Diary of a 38 3/4 year old Debt Free Wanna Be
Hi to anyone reading this I am starting this diary as I feel I need to keep a record of how my debts came about and how I feel and the effect it has had on my life whilst paying them off. Also as a reminder not to EVER get into this mess again!! I will start to the beginning, back in the 90's I had a house with my then BF…
-
First ever post - desperately seeking debt free status.....
Hi everyone, Well I've never posted on here before, and not sure how much chance I will get to as I'm seriously looking for a part time job to go alongside my full time one, but after my light bulb moment today I thought I should go public & commit myself..... Have just added up my debts, I owe £12.5K on credit cards and…