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Cleared
Cleared for new one.
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Time to clear the remnants of my old life
I've decided to start this diary as I have some very old debts that I want to rid myself of! All of them are interest free and on token payments which is great - but as a result, they've sort of slipped to the back of my mind, the money just goes out every month and I don't really think about them 🙈 A bit of background- dh…
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Chomping our way to financial freedom one meal at a time
We started 2015 with £39k of debt as the house needed some major work and spent the next 5 years hard core budgeting to clear it, booked a fantastic holiday in 2020 (saved for in advance) to celebrate and were looking forward to having more available cash to enjoy ourselves! 🤣 Mr Star WFH during COVID allowed us to finally…
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Doris's 712 Day Journey
In 712 days time I will be 55. My new plan is to be debt free, my current debt is £9194.66 spread across three credit cards. All cards are 0%, CC1's 0% ends on the 1st December so this card will be paid by then. CC1 - £982.19 CC2 - £6267.47 CC3 - £1945.00 Have finished working full-time for someone else and be working…
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Choccy's last debt diary! Tme to stop messing and focus.
....so here it is! Last debt diary and a lovely fresh start to keep me focussed and get those outstanding accounts down to ZERO! Debt on 31/12/17 was £16271.56 but currently stands at £10241.08 today after a lot of ups and downs. I'm about to return back to work after a really long 16months off after an accident. We've…
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Steph does debt
Hi all! I thought I'd get my thoughts and wins (and loses no doubt!) Down while on this crazy journey! So bit of background... I'm a mum to a toddler, a nurse, a partner and in around £17k worth of debt! I've been in debt for such a long time, over a decade but it's time to change! I buried my head in the sand in 2012 til…
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In denial no longer!
I've been reading all your inspirational posts on here for a few years now (I'm more of a lurker than a poster) and thought that it would be really helpful in the current climate to create my own, hope that's ok! A bit about me - I have been a SAHM since March 2020 (lost a part-time job due to the pandemic), luckily DH has…
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2 Humans, 2 bunny's and debt!
After lurking for a long time, being inspired by all your diaries nows the time for me to be a proper grown up and start! Quick overview while I drink my tea before work... 2 humans - me and Mr Bunny (he'll hate I call him that!) 😂 recently married but together 10+ years New build house, purchased on the help to buy scheme…
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Back to try again..
Good evening, I come on here to read the diaries pretty much every day, such inspiring people on here! I did have a very short lived diary last year but have come back now as a new member to start afresh. We are on a DMP and have been since February 2016. Our debt when we started were just under £30000 and as of this month…
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Need to get myself together: The beginning
Hi all I am back. Short story, I was in this position before though holding a baby in my arms and his dad left us with a loan I got for him (I naively believed there was people after him) and such a bad overdraft. I managed to scrape it back and pay it all off and was on a high (figuratively) of being debt free. Four years…
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Sewn's determined to do this........one final time
So......hello, I'm not new to these boards but haven't been here for about 10 years, so long that I've had to create a new profile. A bit of background, I came here about 15 years ago when we were heavily in debt, with young children, lost my mum and was in a job I hated, leaving that job meant a massive drop in income for…
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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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My Proper DFW Diary
Hi all, I've had a couple of threads in the main section before, one of which has become a bit diary-like so, I decided to put a proper one in here. Background on my debts, going back to 2009 can be found in these threads: https://forums.moneysavingexpert.com/discussion/1406057…
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Single, self-employed and debt-free by March 2024
I thought it might be good for me to start a diary of my debt repayments. I have not been in debt for many years, and manage my budget pretty closely, but this year I renovated my house (it desperately needed it) and had to borrow some money. I didn't want to spend all my savings as I am single and self-employed and need…
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Balancing the Books and My Life….
With the increase in the cost of living, I really need to take my head out of the sand and start focussing on driving my debts and living costs down. Up to now I’ve been ambling along living payday to payday but I really need to start taking action and paying off my debts once and for all. For background, we’re a family of…
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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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At the tipping point. now or crsis
I have managed to wrack up a significant amount of debt having tried to get on the property ladder and renovate my first house to make it livable. Some of the debt was home improvements, some wracked up covering costs e.g. car insurance while I did so. Some is plain, irresponsible overspending. I'm just about making the…
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Just starting out, Sept. 2019
Hi All, I just want to start recording my debt war campaign - not sure how much I'll post but also, it's a help to look back and see the progress I've made even if no one else reads it lol! Card Debt Summary as at 19-09-2019: Total Credit Card Card Debt: £30.4K (81% Utilisation) Down £1K in last 30 days 5 Cards make this…
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My 2 year battle to try to keep our home
I have had a crazy 2021. I thought it started well but it turns out I know nothing! My (soon to be ex-) husband had been having an affair with my daughter’s friends mum so I have been attempting to rock the single mum of 3 life since April. Our finances were on a knife edge together and we lived slightly beyond our means.…
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dealing, not feelings... (getting past the overwhelm)
Hello all, Writing here to keep me accountable. Not expecting anyone to read it! This is my first post and a first step to dealing with debt and money mistakes I've been trying to push away for many years. I have had many false starts at "dealing" with things, and stumbled every time. I know from reading other people's…
