-
Debt is for losers.
I started a diary only a couple of weeks ago, however a lot has happened since then, including my light bulb moment, and I felt my diary was very chaotic. It was a useful exercise but I have decide to start afresh and try and get myself more organised. Part of my problem in the past is not having a structured, realistic…
-
New beginnings
Hello I have lurked on the MSE forum for a long time, wishing my situation would magically improve, but have finally taken the decision to join in and take control! I am in my late twenties, feel like a failure compared to most people around me, who all seem settled on career paths. I have set up a number of businesses…
-
Hoping for a better 2011
Right, thought I'd start a diary to help me see I can do this, get debtfree, and also hopefully be in a much better place next year. My background is Im 25, and a SAHM. Have DS number 2 on the way in 4 weeks, DS starts school in 6 weeks, Have a idiot dog with separation anxiety who goes insane if left, (training started…
-
I didn't fall off the wagon, I jumped.
And now I'm back again :mad: Will be sorting out a SoA to put up here :eek: hopefully tomorrow. Thought it would be a good idea to buy a new car :cool: Whoops! The best thing is to decide to change my ways...even if it is the fifth time I've done so :rotfl:
-
Snowballing diary
Today we owe 39K! Which sounds horrific but we have brought it down by 4.5K since January. The amount is huge to begin with due to massive amounts of interest. We keep shifting what we can to 0% cards and paying the maximum to get rid of it. It's a horrific situation as we leave ourselves £65 a week for two of us to live…
-
RoseRed and the case of the Tapdancing Bankrobbers
Well, I think it is finally time to sort this out, I am in debt to the tune of about £12K. It really is rather a lot. It has gone down from its highest but it has taken so long that I feel it will never be paid off. I'm a mature student and am finally getting some funding now, of course the majority of funding is really…
-
One day at a time......
Hi All. I am going to start my diary again. I had lost complete track and had stopped. A little about me... I had started my debt free journey back in 2005 when it felt like my whole world was about to end. At that time I was in debt by just under £60k:o Alot of things has happened since then and now my debt 4 years later…
-
Operation Relocation
Hi all, not done a diary for a while cos I pretty much sorted myself out (thanx to lots of help from this site):T, but now im back to keep me on track with paying off my caravan loan, that’s the reason why I got rid of all my other little debts, so I could get a loan for the van:cool:. So now im paying it off with extra…
-
Making every penny count
Hi everyone, From my user name you can see that I am a 40 something mum to 3 little boys. I have been married for 12 years (well almost) and unfortunately am massively in debt!. My dream is to be debt free by the time I am 50 which I have just realised is 61 months today. :eek::eek: I kid myself that I am dealing with my…
-
Time To Start..
So.....I'm officially a newbie. I have used this site for a while but am only now starting to post. I had my lightbulb moment on 29/4/09 when our debts stood at £42048.69. The debt is a combined total of my debts and OH's debts. Its alot better than it was as I am guessing that 7 months ago it stood at about £50000. It's…
-
Bluekaw Guide to getting a life
Hi Guy's serial lucker poking his head above the sand, been on the DFW trial for a year now, thought i would start a diary as i need to keep up with where im at, i have a super duper spreadsheet that calcualte all i owe, when i owe it and to be frank its pretty spot on, We (Darling Wife, Darling Daughter's x 3) have been…
-
Little Pickle's Diary
Hi all, Haven't been here for a very long time...for lots of reasons! Am wanting to get rid of the debt I currently have and also try to make a bit of money towards the 'house deposit fund'. I currently have the following debts: Creditcard £917.00 Old bank account O/D £260.00 TOTAL £1177.00 Here's to becoming debt…
-
Jo's 'Save £6000 in 2010' diary
Hi all! Having been debt free since 2nd October 09 :j:j:j I now have a budget in place, many many accounts and I'm sticking to my debt free life. I'm 27, have a fairly well paid job. I share a house with two others and I'm looking to buy a house in the future. I'd like this to be sometime in 2011, before I'm 30. I…
-
So here we go....
I have been spending the last few days reading everything I can on here in preparation for entering our DMP. I can't believe we have got ourselves in this situation. General overspending, keeping up with the Jones and two lots of maternity leave in 19 months has really put us in a bad situation. I am utterly sick of the…
-
request for money
I have received a letter from a company who say that I owe a debt to BN Finance who previously serviced Booker Mnagement Services Ltd about an outstanding loan. I know nothing about this loan and I am at a loss to find out the basis of where it came from. BN Finance Ltd is an overseas company or so i am aware. would this…
-
4 year plan
----Deleted
-
There's a Moose Loose About This Hoose - anonymoose's DFW diary
Hi, This is my 1st post here but I’ve been reading for ages. In the last week or so I had my LBM, I have got 3 CCs with a combined balance of about £5k – 1 has almost £4k this is a Barclaycard and stupidly it’s got a mix of 0% BT and a bit of spending on it, about 1 month ago I BT most of my Cap1 to it cos they sent me a…
-
Shopgirls Guide to Saving!
As I cluttered up many other diaries and threads, taking them over with my own storeis, it was about time I stepped up and began my own thread. So here goes... A bit about me. Im a 23 year old, who has a 'slight' shopping addiction, 1x bf and 1x puppy named Archie- and I forgot to mention that I have a VERY large shopping…
-
cozza123 debt diary any help?????
Hiya everyone i'm 24 year old and had my lightbulb moment ive been reading the posts before but have decided to start my own for any help you can give me would help greatly im in debt by £9742.59 the quicker I can get rid of it the better as I'm wanting to move into a place with my bf as I'm at parents home at the moment…
-
Linkypie2009's Journey to a debt-free life!
Hi all, Well having lurked for a long time, I am finally taking the plunge..... My current debt position is just under £10,000.:eek: This does not include my mortgage, secured loan, personal loan or the HP on the two cars in my household, or my overdraft. (These are all under control, on low interest rates and to be…