-
I'd be 'indebted' to you.
Hello all, I am a theatre director and I am the artistic director of Small Fry Community Theatre in Knowsley, Merseyside. We are currently in production of our community play which deals with the issue of debt within our society and it's effects on our lives, relationships, wellbeing and (feel free to insert here).... I am…
-
Getting organised for once
OK. I'm a disorganised disaster, which has left me with a tax bill of over £2,450 -including a ridiculous number of £100 penalties. I felt sick totting them up. Anyway, I also have a £2,000 loan of which £895 is left and a credit card bill of about £2,000. I managed to pay £720 off the tax bill today which leaves me with a…
-
Zig's 'Save for a House and Stay out of Debt' Diary!
Part 2 of the journey begins! :D Recap: I am a 20 year old Primary Education student who has just become debt-free and is now on a mission to save money for a house deposit! Part 1 is where I started, with £2000 of debt, having already paid off £2500. It sounds stupid, but I just want to say thank you to all the girls (and…
-
Soph's rocky road to debt freedom
I thought it was about time I started my debt free diary. I have struggled with spending in the past (and still do!) and had a real bad start to lessons in financial management from my ex-husband, but I have completely turned over a new leaf this year with regards to my spending habits. Over the past 4 months I have, for…
-
Clear Debt/Get Married/Get House
Hi All, My name is John (Poostix) I'm a normal 30 year old bloke, GF, Kids (11yo, 9yo and 9 month old) and a gaming addiction, Luckily this don't cost much as I still play the same games I got with my system 3 years ago and only get new ones for birthdays and Christmas. :-) I'm currently in quite a bit of debt but have…
-
My latest sacrifice
Hi Folks! Today is the day! I've been a fake blonde for the last 20yrs and have always had it done at the salon. I have to get the roots done ever 6wks. I wonder how many of you are in the same boat! Anyway, I have calculated how much this costs me over the course of a year and its over £400! :eek: Think of what I could be…
-
.... And we're off!! (Albeit a bit nervous)
Hi everyone I'm about to default on my loans in the morning. The many loans I have are as follows: NatWest: £4400 Welcome Finance £600 Capital One (card) £520 Wage Day Advance £375 PayDay Loans £500 PayDay Express £500 Quick Quid £750 Cash Choice £500 £8145 :eek: I have been in contact with Payplan and worked out that if I…
-
The futures bright.....the futures debt free
Lurked for weeks and decide to take the plunge so here goes..... A little background about me :j: Very happily married to DH for last 22 years with two beautiful, intelligent daughters aged 19 and 15 ( nearly 16 which apparently is really important!), the eldest at uni and younger in GCSE year. I acknowledge that for some…
-
We cant make our mind up
if we should stay put or follow our dreams of living abroad, so I have decided to keep a diary for me to put down my thoughts as I think I am driving my family and friends insane. So some background. OH and I have 2 kids DD 9 and DS 6. We sold our house last year and moved to a new area. We had planned to buy another house…
-
THE FUTURE IS ONE BIG CHALLENGE AFTER ANOTHER for 3Dogs ....... and friends
This is in effect Part 3 of my diary journey, Part 1 is here and Part 2 is here. Those diaries dealt with how we got into the problem we were in, and how we came to get help from MSE/CCCS to deal with the debt we were, and still are, in, and I thank my friends on here for their fantastic support during that time, which…
-
Lbs and £££- you gain some lose some
Hello I will start at the beginning of this sorry tale.... My wife had been working really hard to pay of a lump of debt some of which i racked up myself through poor money management, I didn't really engage with this process. Subsequently I had been secretly cacking up approx £4k of debt and had been bare face lying about…
-
Arthurs Onwards and Upwards Diary
After much lurking i have decided to start my own diary. Have included all my debts (bar the mortgage and car loans) which i hope to clear. The main reason i can look at clearing some of the debt is i am now working after being a sahm for the last 2.6 years with my 3rd little un. Most of the debt was accrued when my other…
-
Skinto's 2011 road to being debt free
Hi guys Well, I've read lots of threads since my LBM last March and received help and support which I have appreciated sooo much. The diaries seem to help people so I thought I would give one a try. My story so far...hubby and I are in it together. We started a DMP in May 2010. It isn't an easy ride but we are hoping we're…
-
My fight for freedom
Hello and welcome to a nice, sparkly new diary. :j I'll explain where I am and what's been going on as my introduction - hope it's not too boring! Basically, I've been stupid with money. Ever since I was allowed a credit card, I've never seen it as someone else's money - I've been allowed to have the money... but then came…
-
2011 Bring it on!
With only 27 days left of 2010 I thought I'd better start organizing myself ready for the New Year. This year has been one disaster after another so I am now determined to make 2011 my year! My main concern is that I am so unorganized, I work between 16 and 25 hours a week but around my home I do !!!!!! all except mong in…
-
Personal quest for financial freedom and wisdom
Hi Havent get a regular diary on mse for last couple of years but think I need to as have so many thourghts/ideas and plans and will help keep me motivated and on track. A bit about me. Im currently 30 expecting 3rd child have 2lovley girls and boy on way in april. Im currently stay at home mum did work fulltime with 1st…
-
Decisions Decisions
Hello all I have been a lurker on the site for a long time and have been writing this post for weeks in my head!! :o Well tonight I decided no more faffing about!! So here goes.......... First back ground, I am a mummy to a DS who’s 3 and a DD who’s 20 weeks, I am currently on maternity leave (supposedly but that’s a story…
-
New house....new me.....new start.....
I've decided to start a new diary (again :o ) to mark the start of a new chapeter in my life and [STRIKE]hopefully [/STRIKE] the beginning of my journey to ending my debts once and for all! So, what's new.....well OH and I moved into our very first 'own' home early August :D We're very much happy and enjoying making it…
-
I have the poweeeeeeer!
Hi all, I'm feeling like an empowered moneysaver at the moment - I don't know what's come over me, but I seem to be on a mission like never before! I've never really got to grips with my bills and debts before, only making a few half-hearted attempts in the past. But in the past few weeks I've really started to feel like…
-
I want to break free!
Hello everybody! First of all Happy New Year to you all:beer:! I have decided that I'm gonig to make a huge effort to pay off as much as I can this year.Not sure how I'm going to do it, but I will - must think positive thoughts! I feel I've had a rough couple of years, and want that to stop. Got made redundant, rented flat…