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Sazzles needs some accountability
Hello 👋🏻Starting a diary to give me some kind of accountability!! Have been in debt for a while now- over spending to keep up with life, moving to London, taking a pay cut to get my dream job, and reached a high of £12k debt last year. 2019 I started budgeting and make a small dent but always seem to re-add to the debt..…
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My 5 Year Plan to a better life!
Another new diary! One I want to stick to now though as I'm about to take on almost £50k of debt that will be paid off within 5 years. I won't go all into the whole boring back story of my life, as this is all about a new start. I have a decently paid job where I work part time and although I'd like to describe myself as…
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Debt Free by '23
I have decided to commit to a diary. I didn't want to start a diary and lose the wind in my sails and not keep up with it. But since my LBM in October I have kept up with this debt free journey. And what better day than the start of a new decade to commence my diary. My debt started with student loans and small credit…
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I’ve only gone and done it! New start here we come!
Hello! Some of you may remember me from previous diaries documenting my journey to pay off all my debt, save a bit and eventually give up my teaching job and move back to Wales to be closer to ageing parents and a disabled sister. Well, the big news is that I’ve only gone and done it! I resigned last week and will finish…
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Completely lost my way…
Hi there,after a couple of years reading diaries I have finally decided it’s time to start my own! A little about me, I’m 41,married,no kids,a couple of dogs and a few cats,living in the very expensive South East of England,was born and bred here. I have got worse and worse with money decisions the last few years, and I…
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Time to get clean!
So for some background info see my debt free wanna be post. The start of a long shower to get clean! https://forums.moneysavingexpert.com/discussion/6364222/ashamed/p1 As of today 15/06/2022: Tesco CC £11,816.42 Virgin Money CC (0% ends August) £7,852.22 PayPal Credit £1,444.13 Next Credit Account £81.48 Studio Credit…
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Drowning in £16k of poor decisions
Hi All, I thought I would start this diary for some accountability and I am hoping that as things start to slowly improve I will also be able to see the progress I am making. A bit of context - I am in my 30's with two children (7 & 12) and working full-time, whilst I have a good income I have made very poor decisions when…
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Debts, financially controlling relationship & mental health
I hope this is the right place to post this. And could also be a long one but I don’t really know where else to go or who to talk to. I need to go back to the roots of the situation before I can explain my current debt issue. So please bear with me. Going back. I was in a relationship with my ex for a long time - 15+…
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It's not a lot, but it's enough
Good day to you all. Can I start by saying I feel a bit embarrassed about starting this diary. Not because of my debt, but because in comparison to other peoples situation I seem to be in a better position to clear it. However I’ve been considering starting a diary like this for a while as I feel it’s really been getting…
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Making a big decision and staying out of debt
So I’ve decided to start a new diary. I did have a diary a few years ago which I used to track my way out of debt. I managed to pay off £12k of debt in 9 months and then my car died. So I bought a car on finance but then managed to pay that loan off two and half years early. Again leaving me with no debt. So for the last…
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2022 A Year of Change
So a long-time lurker
who attempted a diary last year but didn't keep up with it but this time it is
different. I am a procrastinator and need to STOP. I had so many
plans for this year and was going to be totally in charge of my life, but the
last few years have slipped by, and I am no better off. I have dreams and
goals…
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Views on iva
Hi I'm deciding whether to go ahead with an iva, I've tried reading etc but want to know peoples views on it who are also in a iva. How much debt did you go into it with? Has it affected your credit score really badly? How much did it cost? Just need to know whether its worth it and if anyone has had a bad time with it.…
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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…
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A Significant Decision for Consumers - Intrum not Authorised to issue Claim
The Court has today handed down Judgment in a case
where Joanna Connolly Solicitors were instructed to represent an individual consumer and where the Appellant
was Intrum UK Finance Limited (“Intrum”), formerly known as 1st Credit
(Finance) Limited. Intrum issued proceedings in the County Court in May
2019 alleging to be…
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Debt Demolisher
Hi MSE ers Have plucked up the courage to admit that I cannot cope financially. :o Long story short. We are £82,590 in Credit card and Loan debt basically spent on nothing but shopping, holidays, clothes and household things. :mad: We are not in arrears or any CCJs at present but fear this will not last. I completed the…
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Hello! :)
Hey everyone, long-time lurker, first time poster here! I recently had a bit of an epiphany regarding my spending and financial situation. I've been pretty much living in my overdraft since getting a mortgage a few years ago, and I thought enough is enough. Completely out of the blue one night might I add! I have never…
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Starting to budget after years of wishful thinking
Hi so I came here for advice. Have about £29k debt over two loans and one currently interest free credit card. I kniw if I don't clear thia debt ASAP then I will fall back into bad habits and it will spiral out if control. I am currently considering selling everything I have of value which could clear at least half. This…
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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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£69k debt free wannabe
Right I'm new to this so hopefully its in the right place! We have been in debt for as long as I can remember, well I have been, my husband has just been in debt since we brought our house. I have been trying to sort money for 12 months now and have cleared a bit of debt but have deffo made some bad decisions with money in…
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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...…
