-
The not so Secret Diary of JoS1972, aged just over 37 3/4.
Well after lerking around a bit and posting a few things here and there I have decided that I need to start a diary, it'll be one of those where I rant and rave (mainly about debt but also life in general), where I'll celebrate the good times, like paying off another debt yesterday :j, only 8 more to go :( , where I'll…
-
Started out debt free journey!
Hi everyone, Following my post at the end of last month I've started putting everything into practice. Started my spending diary and been writing down religiously everything that we spend (even buying my son a 39p sweet for staying dry at night for the past week! which also means less nappies to buy each month!!). I also…
-
This diary is THE diary...get wed and debt free in 2 years???
Hi guys and welcometh to my humble abode!! :beer: As you can guess from the title, I have had a few diaries on this site, some more succesful than others and, although I have never technically left my MSE ways, I was finding it very tough when I wasnt setting myself targets, you know how it is! :o So I am 24, have a 7 year…
-
I'm riding solo
I'm sure people will not want to be bored by my life but i am finding this writing and site like therapy! So been with my now ex-fiancee for 9 years when he drops a bombshell- doesn't think he loves me, doesn't know if he wants to be with me and doesn't want to get married. Regardless to say our wedding cancelled at the…
-
Fresh starts....
I've decided to start a new(er) diary as i'm about to embark on some changes financially and personally and therefore felt a fresh start would be great to hopefully boost my debt busting once and for all! For those of you that don't know me we're (OH and I) about to move into our very first house in a few weeks time -…
-
Full and final help- partial settlement
Blair Oliver Scott and Santander have settled for 70 percent each of what I owe.both will register a partial settlement with CRA's. Two defaults were registered against me in November 2005. So they should be gone by November 2011. What I want to know if the partial settlement will continue to affect my creditworthiness…
-
getting there !!
Hi all only joined last week after realising what a silly billy Ive been.Listerned to all the advise and decided to take control.After not sleeping eating to afraid to go out answer the door or phone im ready to confront them all !!At last I managed to speak to the bank and looks like I have sorted one debt out (fingers…
-
W.H.W and other ramblings
Hi all ... well it seems there is some interest in this plan ...and i reckon the more the merrier .... the plan is in 2011 i and anyone else wanting to join me on the journey will be walking the West Highland Way .. Now loads of things have to be discussed and loads of things planned ...i just know it is something i have…
-
bex lose lbs save £'s diary.
Well i feel that it is time that i start a diary and become more accountable for my actions. Firsty a bit about me, i am 26 and a staff nurse. I have an unsecured loan at present which was to consolidate credit cards. this is being paid off each month and due to finish in oct 2013. I live with my grandma to look after her…
-
Roxies £3K diary - help!
Ok deep breath here goes. Hi all I'm Roxie:wave: I used to be addicted to this site but then I had a new baby, a new job and life just became too busy. Then I let things slide. We've been living the high life and as such have accumulated a £3K overdraft. OH has found out and the poo has well and truly hit the fan. He's…
-
Eyeopeners Journey from Debt Slavery
Right, this is a bit long but its been theraptic doing it and I have wanted to do my own diary for ages. So here goes. Decided its time to do my own diary. I've been on this site for what seems like years, lurking, occasionally contributing but only recently taking the bull by the horns and taking my own advice instead of…
-
Oh just shake me will you.
Well I am in debt and getting deeper each month. I have lurked around for months/years and follow loads of advice then get side-tracked and it goe out of window. Anyway Im sick of this lifestyle and want to be debt free, so today is the first day of the debt free journey. Details SOA and stuff to follow and as the title…
-
Return of the Bobbly One
Hello All :hello:, Lovely though you all are, I am disappointed (at myself) to be back here again. I did get debt free and had an amazing adventure in OZ and New Zealand all thanks to the help and advice from everyone on here. However, my circumstances have changed, for the better, but I've slipped a little into my old…
-
Baby #2 on the way - the debt must go!
Hi MSE, I'm a long time lurker and very occasional poster and after reading so many of your diaries I think it's about time I started a *proper* one of my own. A little bit about me: I once tentatively started a debt diary on here but it fell by the wayside pretty quickly - this one will survive. I am 28 years old, happily…
-
Dilemma....help needed
I posted this on my diary and I know that I should really post it on the main board but I trust you lot and would like your opinion before I post it on there. "I have had a very nice phone call from DH :D his boss has agreed to give him back pay for evening meals bought whilst away, so DH’s expenses this month will be…
-
71p and Three Nappies
Hello fellow DFW's I’ve debated long and hard about starting a DFW diary – but the reality of it is, as a single Mom I think I need someone “adult” to talk to about my long and winding journey ahead. The title refers to a previous thread on DFW - the short version of which is that my bank froze my account with them without…
-
Facing Facts (and figures!) - £500 a month challenge
Hola, I started a thread a couple of months ago but lost focus almost immediately!! This time I have a plan and the resources to be DEBT FREE! My plan is to pay £500 off my debts every month (my debts are around £8k :mad:). I was lucky enough to get a £2k payrise & I've just moved to a cheaper place where the rent includes…
-
TEK's things can only get better diary!!
Hi all!! Well decided to do another diary, I have done a couple of other diaries on here over the past 2 years under a different username. Decided to knock them on the head as I was getting paranoid about being 'outed' at work & I wanted to stay anonymous!! That said, i am ready to do another one & if I get found out then…
-
Journey to Financial Freedom
Well ... here goes. I'm in debt. Quite a bit, actually; I haven't done the figures properly yet, but it's about £7k. There are a couple of reasons for it, the main one being no change in pay for 2 years. I've just had a (pretty decent! :D ) salary increase agreed, which should come into effect in the next few weeks. I'll…
-
Two Steps Forward & One Back
I've never written a diary before or done any kind of blogging \ message boarding before so this is all new to me - so please bare with me if this is a bit garbled or doesn't make too much sense. I've lurked for a couple of months and gained lots of inspiration from everyone out there so thought it was about time that I…