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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…
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Curbing the ridiculous
So, this is my new diary. About me: 43, married with 2 very young DC. Not currently in any debt but was in debt for years and years due to various factors which are set out at the start of my other diary. Stupidly sold our family home last year with nothing to go to. Been living in abysmal rented accommodation with no…
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Give me some motivation! Feeling embarrassed and down about debt!
Posting here to finally face the music. My lightbulb moment has been having my baby girl. We borrowed money on credit cards and overdrafts to do up our home, and I’ve since had 6 months of crippling maternity pay. I’m losing sleep now over our debt. We’re able to make the payments on all our debts, and we’re going to start…
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Single mum to 5, striving for debt free life
Hello lovely people, The time has come for me to post and bare all about my life and journey to becoming debt free. I think I need this to help me heal my soul and heart as much as keeping me on track to become debt free. I think I will enjoy reading back on this journey in the months and years to come. I have been paying…
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Debt in Dizzyland
So.....this will be my diary of debt reduction, income increase and lifestyle change. I'm fighting a relentless tide of debt and money issues, despite having a good family income. I've come to the realisation that the situation will only becoming increasingly dire if we just totter on as we are currently doing, so after a…
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Diary of a not so poor person aged 48 1/2
So here we are then... my new shiny diary which will help me through the next stage of things financial and beyond. im gonna write about my relocation to france, the sale of the old house, the feelings now that the debt has gone and how we plan to move on as a debt free family at last. :)
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A diary to hold me accountable…..
I’ve been an avid reader of these diaries for years, but it’s time to create my own one in order to hold myself accountable for my debt busting. I am a self employed single mum of 3 and the pandemic had a massive knock on with my finances and I just about clung on. I had to move as well in 2020 which also created some…
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I wish my bank account filled as fast as the washing basket
I found out during my final year at uni that I was pregnant. Being students our money was stretched, by the time I graduated she was one month old. The first loan came in when we decided to move back home, and this was in the form of Amigo as no one else would touch us. Without it we couldn’t have afforded the deposit, and…
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Mumof3.12kindebt .. dfw again ! - 15 dec 2020
Hello my beautiful diary friends. Well here we are again. Df wannabes for a second time. Because its a second time I know we can do it. We just need to refocus and change our mindset. Links to previous diaries (In order)…
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The Secret of Getting Ahead is Getting Started
"The Secret of Getting Ahead is Getting Started" Mark Twain, I'm getting started right now! Been reading some diaries and feeling motivated to start one of my own and aim to pay off my debts by Dec 2021. My job is uncertain and there is a chance I will be made redundant in 2020 once Brexit is finalised so I may be able to…
