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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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I'm new and on the road
Starting this thread as a way to encourage myself to keep on going, if it's out there for people to read then surely I have to stick to it. Me and my husband have been together 18 years this year, we have 3 children, we've had many financial problems over the years, mostly due to being irresponsible and I'll health, last…
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Debt Free by December 2021
Hi, Long time lurker and long time debt buster. Husband and I have been paying down our debt for almost 3 years now. Started following Dave Ramsey about a year ago and we're currently just over half way through BS2. Debt at it's highest was over £13,000. We have 2 children (dinosaur 1 and 2) who are our 'why'. Husband…
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Determined and a little ashamed
So i have taken the plunge and decided to start a diary on here in the hope that it will keep me on tract and have the support of others doing the same thing. My story is probably familiar me and my husband managed to get debt free years ago after getting into serious debt and having to consolidate everything and get it…
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Finding a future after debt
I'm self-employed and have been having a tough time after a series of health scares and other issues. I'm finally in a good position to start paying off my debts. Debt Jun 2020 Current CT 5144 4959 (that includes this year's) Rent 240 164 (arrears) CCJ 445 445 (has arrangement) CCJ 543 500 (being paid back but no…
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Nearly 30 and my life is a mess...
After burying my head in the sand for far too long now, I finally did the right thing and faced my debts that I've stupidly let spiral out of control 😔 I finally plucked up the courage to total them up on Tuesday and worked out I was £22,898.20 in debt 😩 I'm annoyed at myself for letting things get this bad and a tad…
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Keeping on track after Covid
I'm starting this diary as a way to stay focused on clearing our debts after the current situation is over. A quick introduction, I'm 35, my husband is 36 and we have two school age children. We have been trying to get out of debt for years, but it was slow going due to our expenses and relatively low wages. We earn just…
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Back again
Hi guys, Well where to start! I have had a diary before but have decided that I need to start a fresh. First a bit about me. I’m married and we have 2 girls. We both work full time and our wages are ok. We bring home approx £2,800 a month. DH sometimes gets a monthly bonus but we don’t rely on that. I get enhancements in…
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Debbie's Debt Free Diary
I am 30 years old, over the years I have racked up a lot of debt - just through being careless and I am entirely to blame - but it started out small just overdrafts and I kept getting offered more and more credit and it just snowballed really. Mainly shopping, going out - really stupid material things. As it racked up and…
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Time to get cracking
Hi All, The time has come for me to be accountable and take action. I have been a lurker for a while and I am really inspired by the diaries on here. In fact it was reading these that finally gave me the push to write my own diary. We are in approximately £48k of debt😳 The debt has been bubbling away the last few years,…
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Destination, debt free.
28....05.....2020 The date has been stamped. Today is the day that I embark on this long and winding journey of becoming debt-free (with the exception of the mortgage).Rollback 4 years ago and I wouldn't have imagined being in such a position, roll back 8 years ago and I said that I would never get a credit card. 8 years…
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Keeping a diary to remain on track!
Spending time in lockdown has allowed me time to reflect on our finances and current priorities. So, I have decided to start a diary! I have started with a SOA on what would be a typical month, providing we weren't in lockdown. Whilst I am not concerned about our level of debt, it has always been a personal desire to have…
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Turning Debt Darkness Into Power
Good morning all, happy Tuesday! Long time lurker, first time poster here. I've had a DMP for about a year and a half and tend to be terrible at saving, but that is going to change! I'm currently paying token payments of about £12 per month with the aim to create an emergency fund, I'm up to about £200 saved now thanks to…
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Social Isolation Sucks...
I have hardly seen a soul since this all began. I have started smoking the last two days as I have nothing else to do, spending £36 on cigarettes in the last two days. Smoking is no longer in my monthly budget, since I stopped smoking in August 2019. My plans to follow Jacques Cousteau with my scuba dives is on hold as I…
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Not sure where to start...
I've gotten myself in a bit of financial trouble I guess. I had cleared about £10k of debt over 2 years, using tips etc from this forum. My credit rating was higher than it had ever been and I started working as a childminder. I had some extra income, and then my car broke down, I'd paid £1800 which was all of my savings…
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Matt's Debt Free Journey
Hi all, I moved to a new house earlier this year, and immediately afterwards needed to spend quite a bit on house bits, which I would normally have saved for, but as all savings were used in the house move, have had to put on credit. So my challenge is to pay these back as soon as possible so that I can then get on with…
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"Lightbulb moment - 67k down. Need to execute a recovery plan"
Hi Guys Gonna post my SOA in a sec.... Need some advice on what can be done, to trim some of the fat we have as we are up to our neck in debt. This has been mainly due to my reckless spending and gambling. I am now doing my best to stop....used Gamcare, etc. But the lightbulb moment with all this has to be the whole…
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Dear debt, it’s not you, it’s me...
I’ve finally had my LBM & I’m simply sick of playing the debt game, so this is my ‘Dear John’ letter to debt as the time has come for me to make more appropriate choices & stop wasting money on interest rates & spending more than I earn. My debt levels have swung from very high to very low over the past 20 years & now…
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Time to Knuckle Down
I had an account on here before the Great Forum Change, but resolutely ignored all reminders to make sure I had access to my email so that I could reset my password. So, this is a fresh start. I was getting nervous about anonymity anyway. A little about me. I live in London with my boyfriend and we have just exchanged on…
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New goals, new diary
Hello! Thought I'd start a new thread, though I do feel attached to the journey my old diary saw me through! Really can't imagine having saved for our house the way I did without the help and accountability of this forum, and that diary. So last time I was keeping a diary here I was saving to get a mortgage for my first…
