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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…
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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…
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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…
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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…
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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…
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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…
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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.
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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…
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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…
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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…
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It's not my first rodeo
Hello everyone, Welcome to my diary. I ve titled it "it's not my first rodeo" because, well... it's not. I have been here before. About ten years ago. I managed to pay off that debt and live relatively debt free for a few years with the help of these forums and diaries keeping me focused and on track. However, I started…
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Little by little, and with love
The title is both a reminder and pretty much what I've learned from *ahem* years on here! There's been a lot going on recently and I think it's finally time for a fresh start diary-wise as well as with some other parts of my life.
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Parking fine Bailiffs and breathing space
Hi all. I'm back on a debt free journey after being ridiculously bad with finances for most of my adult life. my current situation though is worse than any I've found myself in and i wondered if any of you wise lot can help me make sense of what to do. or if there is anything I can do even. I have just applied for…
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job offer
I have been trying to get a job with a certain company for over two years....Its hard to get into this company. In the mean time, my uncle had a friend who is a supervisor of another good company and it is my second choice. Well, I got an offer at the job my uncle's friend works at.....The job description says temporary,…
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Statement of Affairs - help me not let 2k grow back to 15k debt!
Hello I'm 40, single. Net income after tax, minimum pension etc is £2200/month My mortgage is £50k on a 200k place. 6 years to run. Fixed for the next year at 1%. I own an old-ish car outright. 8 years ago I was in 15k credit card debt following living in an expensive area then a rship breakdown and job loss. Plus general…
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Confessions of this Shopaholic
Hi guys, I’ve been lurking on these boards for a while now building
up the courage to start my own diary. Unfortunately, I am a self-confessed shopaholic. It is getting out of hand now, which is saying
something when you actually recognise it yourself! I’ve always been a spender, but I am now spending
beyond my means. My…
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dfw diary
Let this slide so bad so will be back in the New Year
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Sparkling my way to being debt free
Hi all An incredibly long time lurker. I am starting a diary to make myself accountable. I am an emotional spender and have a tendency of burying my head in the sand. I built up debt and then pay it down but have had what I hope to be my last light bulb moment when I actually opened my credit card statement in August and…
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Our journey from debtdom to freedom…take 4,5,6? I’ve lost count!!
CCs (0%) £22,147.26 Mortgage £224,346.23 Buy to Let Mortgage £146,574.32 Total £393,068 Restarted Jan 2019 1.87% paid off This was the last time I posted, in Jan 2019. The world has changed significantly for everyone since then and for us it’s been beyond challenging on a personal level. That said, we made some radical…
