-
About time I sorted myself out
Hello everyone! I have been lurking on the MSE forums for a few years now, knowing I should get stuck in but not ever getting round to doing it. I've decided that 2018 is the year I get on top of my debts - which have been spiralling out of control for the past few years. I've always been terrible with money - I took out…
-
A Year in the Life of...
Out with the old and in with the new. I'm starting this new diary to document my financial 2020, including some blethering to connect the dots along the way. This is a follow-on from my previous diary. I plan to document aims and goals for the year, with the overall year goals being: - to have reduced my loan balance to…
-
CDEr group advice
Hi all, ill try to be brief. I've got a £350 debt, its for a low emissions charge. I got the charge in November when I started a job, I was the driver, on the 1st night I text the wrong license plate number so the company didn't pay the ulez. I wasn't able to pay the fine because I had just started working and the nature…
-
Little bit of Wales; living in sunny Surrey
Hello, Thought I would start a dairy again as I have been trying to get debt free since I was 26 and I'm now 30. I am currently living in sunny Surrey but spent most of my life in Wales so the price difference is a shock even though I have lived here just over a year. Myself and my partner moved down here so I could follow…
-
In years to come I will laugh
Well here I am 49-year-old father of three great kids and married to a
wonderful wife. To everyone around me, I am
a highly successful professional who has my s**t together. I am the go to person when it comes to sensibility and decision making and I spend my life coming up with the logical and pragmatic answers and deal…
-
Mrs S…the next chapter (separation and all that comes with it)
I have been on these boards for quite a few years, and rather than continuing my last diary I have decided to start a new one for the next chapter of my life. I mentioned in a previous diary that myself and Mr S separated at the start of 2018. We got back together by the end of that year. We have now made the decision to…
-
Debt free diary starts today at £16,763.08
My diary starts today as a 28 year old female with a mortgage, stable job, husband and no children. I don’t have much to show for the debt I have built up. There have been some personal issues that I think may have contributed towards my mindset towards money - but I am fully aware that every stupid decision has been my…
-
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…
-
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…
-
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…
-
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,…
-
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…
-
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…
-
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…
-
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…
-
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..…
-
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…
-
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…
-
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…
-
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…
