-
desperate to sort my life for last time
Hello Bit of background, been a serial debtor all my life....into debt £10k....clear it all ....into debt £110k....IVA and clear it all after 3 years then remortage ( paid back 80p in the £ ....into debt and now DMP me £36k OH £19K...please no judgement as to where all the money went as could not actually tell you although…
-
Help advice needed
Hello I'm looking for some advice with no judgement :( I've always been bad with money grew up in a single parent household whenever we got money it was spent on good things because we could never afford them but I seem to have developed this into adult hood. I've been in debt in the past and got out of it any many ways...…
-
Debt and Caring
Finances are a bit off the beaten track at the moment. Currently I live in the Republic of Ireland (some figures will be in EUR). I am living in the family home where I support my father full time. He has dementia. Living here means the majority of typical bills are covered by my parents' income. I don't pay for groceries,…
-
Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…
-
Not far off.....
xxxxxxxxxxxxxx
-
Debt free by 40? I hope so.
Well, this is a big step. I’m honestly not sure how I have ended up with so much debt,
it is scary, and I have racked my brains and the only thing I can think is that
I have been living beyond my means and have absolutely nothing to show for it.
No fancy car, no nice holidays, a house in desperate need of updates…
-
Balancing the Books and My Life….
With the increase in the cost of living, I really need to take my head out of the sand and start focussing on driving my debts and living costs down. Up to now I’ve been ambling along living payday to payday but I really need to start taking action and paying off my debts once and for all. For background, we’re a family of…
-
How to stop notifications
Can anyone help me stop receiving notifications on posts I’ve made? At the notifications settings I can’t see one to stop them. Google junk and spam settings doesn’t work either. 😖
-
And so it begins for Lemonade
I was on here a long long time ago, and stupidly thought I knew everything so I stopped logging in and in turn stopped being accountable and so I've found myself in a little bit of a pickle - at £50k debt kind of pickle. Things like a huuuge reduction in salary, writing off my car and me not checking on my accountant…
-
Hoist finance accounts removed from my clearscore, is that it?
Good afternoon all sorry if this isn’t the right area but I’ve read and read but can’t find a clear answer so I’m asking for a little help if possible. I had 2x Hoist (ex barclaycard) both debts around £10k mark. I won’t bore you with all the usual stuff but I’ve been through it all addiction etc etc I’m proud to say I’ve…
-
New job, new start!
Hi all, thanks for reading! I had a diary on here for a short period of time last year, but a lot has changed since then, so I’ve decided to start again! I recently moved jobs after a big promotion - still waiting for my first payday later this month as I moved organisations to get it. My wage has gone from 32k to just shy…
-
Frittering funk to Frugal fantastic - well that’s the plan…
Morning Diaryland So I’ve been on these boards a long time and just recently started a new diary which I’ve abandoned for this shiny new one. So this morning was scary money wise… I opened my NatWest account and was minus £500 and I don’t have an agreed overdraft!!! Totally freaking I transferred savings to the debt and…
-
This time I will do well
I had a debt free diary here in 2019... It did not last for long... I started a DMP in late 2019 due to me having accumulated debts up to 38K. My debts are 100% due to my poor mental health. I cannot make any excuses really. It is my fault and only my fault that I got myself in this situation so I am not going to try and…
-
In for a penny out for a pound
So a lot has happened since I was last a regular in here. I got married, and I am now separated. I work at my local hospital 30 hours a week over 3x10 shifts and I have also started my own business. My debts have fallen, risen, fallen, risen etc etc. My kids have moved out and moved back. So at present, both my sons are…
-
Will I ever get to the end?!
Hi all, a long winded post ahead! First time for me coming face to face with my debt, enough is enough and I'm just hoping there will be an end to it all whether it takes years and years! I don't even know where to start, I've always enjoyed spending but I was actually a good saver at one point and very careful. I won a…
-
Semi Retirement and Beyond.
As I said in my previous diary I would start a new one as in six weeks I cut my working hours in half to 18 hours , working two days a week. I have chosen to start this part time working on half my salary before one of my pensions kicks in , in December . Therefore I am going to have to be very frugal for six months , I…
-
Keeping myself accountable
Hi all, I’ve spent the last few years with my financial head buried in the sand, fortunately it hasn’t led to serious problems as I’ve got an ok job … But I haven’t managed to save anything and that has been stressing me out more and more since getting married last year. My wife doesn’t earn much and thinking about…
-
Debt Free Diary
Hello All, I’m some years into my debt free journey however I thought I’d start to share the process in aims to help others or highlight the processes to becoming debt free and reducing high levels of debt. I racked up all of my debt at a young age of 18 through gambling addiction and compulsive purchasing. I believe this…
-
The English Rose goes frugal
Well it's time to de-lurk and start my very own debt free diary. Somehow I've managed to get myself in Aproximately £17k worth of debt plus another £5300 to relatives. It's definitely time to face the music and make a plan to get this paid off and gone. My debts are: £1500 credit card (Maxed out) £2500 catalogue 1 (Maxed…
-
Currently clueless...aiming for awareness
Hello! This is my introduction post, I guess. I've been a member of MSE since 2014 but very much a lurker. I've always been useless with self-control. I eat too much, I stay awake too much, I spend too much, I worry too much, I'm messy, I'm distractible. It's all becoming a bit overwhelming at the moment, I thought at 37 I…
