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Its Happening All Over Again
After joining the DFW forum about 8 years ago and starting a DMP with StepChange we really got ourselves to a good place. This was because we were very firm with our spending but also because our income increased making it easier to target our debt. Since December last year our income decreased back to pre 2015 levels but…
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Chase Round Up - Not getting 5% interest
I’ve searched forum and can’t see my exact issue. Apologies if I’ve missed it though of course. I have a round up account with Chase Bank which is supposed to pay 5% interest. Balance for June roundup was £15ish at the beginning of June. But I received 5p in interest from Chase for the month of June. I believe this should…
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Debt
Hi first time on here..we are £24,883 in debt cc and loan.have appt with cab in few weeks ..do i try and keep paying cc as 2 on intetest free till 2024..loan finish in 2024..2 cards paying interest only..or do i go for d.m.p..save 80 a month really scared abt no savings but need to get out of this mess.guilty of nothing to…
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Debtbegone diary
Hi All I am a few months into the process of defaults and setting up payments. Mostly I have tried to remain upbeat and not wallow in the situation as that does not help. But today I feel so lost, I had begun to build up an emergency fund, this has been wiped out in a week because of various issues car problems/vet visits,…
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DMP and paying it off -Help
Hi there I hope someone can give me advice. I currently owe 40k on my dmp which I have been paying for over 12 years. It started off at 80k I .hopefully in a position now due to a private pension, to pay it all.off shortly, but does anyone have any experience in getting the credit card companies to accept half the amount…
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Debt Clearing and Deposit Saving.......
Hi everyone Starting a new diary so I can keep track of the debts I need to clear, and my OH and I are attempting to save for a house deposit. Brief details about me, for those that don't know, I'm 39, have been with my fiance for nearly 20 years, and we're only just looking to purchase a house together!! We have lived…
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Tired Deflated Tortoise
After over a decade of reading other peoples diary I’ve decided I need one for myself. I’m 45 years old and I don’t really seem to have achieved anything with my life. This realisation is hitting me really hard at the moment. I’ve never owned any property and I would desperately love the opportunity to. I’m feeling really…
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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…
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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.…
