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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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One £ at a Time
Hi everyone, Long time lurker on the DFD Boards but first time poster. After a whirlwind 3 years of saving and buying a house and getting married, my husband and I have managed to run up some debts and with the cost of living on the rise in all areas, we're finally pulling our heads out of the sand and tackling them. We…
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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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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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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…
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Happy Sloth Clawing back
Hi there, So this is step 1 of my journey back from the disaster that's been the last 2 years. Me and my OH are both in our late 40's during our life we've had every income known to man, we are not people who where born into comfortable incomes, we spent most of our early married life earning minimum wage, we've been…
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Win Some, Lose Some (Debt Free At Last!)
I started a diary back in 2017 when I was nearly £50,000 in debt, but didn’t keep it up. I have been beavering away at getting the debt down and now I have just £11,955.71 to go. I want this gone by the end of 2022 as I want the freedom of choice to drop down to either part time hours or to go self employed. I have a well…
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12 months of hard graft to become Debt-Free.
Hi All :smile: I'm new to the MSE forum and thought I'd start my diary to track my debt-free journey. I have a total of £11,324.37 debt that I want to pay off in the next 12 months. I have written a realistic budget, but still have no clue how I'm going to pay all of this debt off in just 12 months. £2.5k of that is…
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My little lightbulb moment
Hello there!! So i've been stalking these forums for a while and after having my own light bulb moment last night I think its time that I made my own. I'd absolutely love to be posting on the mortgage free forum but for now I think I need to get everything else in orders especially now time are getting scarier. Here is a…
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Debt free
Hi I’m starting this diary to keep me on track with my goal to be debt free. I’ve reduced my outgoings as much as possible and am working extra hours to clear the debt as soon as possible. I hope to have around £1000 a month to overpay. cc1 4083.25, monthly £102, 0% cc2 3507.96, monthly £35, 0% loan 20244, monthly £253,…
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First step to no debt
I've been reading lots of threads on this forum and they have really inspired me. So, I'm taking the plunge after my debts spiralled out of control. Today, I'm taking charge. Here is my SOA [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b] Household Information[/b]Number of adults in…
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Newbie trying to clear debt
Hi! I’m new on here and thought I’d make this post to make myself accountable. I’m a single mum, 33 and feel like a failure financially. I currently have almost £17k in debt over 3 loans and my credit card balance is currently about £700. I have just switched over from tax credits to UC, and because I work I seem to be…
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Dolly's Diary - 2022 and Onwards
2022 and I've decided it's time to start from scratch on MSE. I've been a previous user for a long time but I am back at square one so closed my old account and started again (same username). Looking forward to earning my badges again! My aim for this new diary is the following; * Be debt free by March 2025 * Have an…
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Dolly's Diary 2022 and Onwards
2022 and I've decided it's time to start from scratch on MSE. I've been a previous user for a long time but I am back at square one so closed my old account and started again (same username). Looking forward to earning my badges again! My aim for this new diary is the following; * Be debt free by March 2025 * Have an…
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2022: maybe this’ll be my year
Hello everyone I have been a member here before a long time ago. I am in a place where I really want to tackle my debt and I’m going to start with some intro about my past and how I got here. I’m in my late thirties and I’ve been in debt since I was 18 and went to university (all credit cards). I paid over £15k of credit…
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Dolly's DFW and Beyond Diary
New year - new diary. Say this every year but I really am aiming to keep this one up to date with all the highs and lows, unexpected and expected expenses, needs and wants, splurges and saves and everything in between. My aim for this new diary is the following; * Be debt free by March 2025 * Have an Emergency Fund (EF) *…
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Taking back control
I'm a married mum of 3, I work full time, husband works part time with health condition and 3 children, 1 due to go to uni in september and 2 others at secondary school. I've been a lurker on MSE for years and became debt free in 2018, however when Covid hit myself and my husband were both hit hard as relatively newly self…
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Towards the light
Hello all, I have been reading the diaries here for many years. I am 35 years old but have been in some kind of debt since I went to Uni at 18 years old. I havent ever been paid and owned all of that money without it needing to be paid out in interests and overdrafts. That day is still a dream. I made the mistake of…
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Porridge for breakfast
So – back after a looong absence & need to take charge of finances again rather than just drifting along. DH’s job depresses him – really depresses him & an ideal scenario would be that he could give up that job & get a small part time one to make up the difference that we need to keep on the straight & narrow. My task –…
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Debt Free Diary- 2 year target
Hello, I am starting a diary to try and keep myself on track and focused to clear credit card debt. I currently have £13,500 over 4 credit cards- All on 0% deals until 2023. This is the most debt I have ever been in, and its from an accumulation of living beyond my means for the past few years, and a slight gambling…
