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Debt and Budget (Reset) plan
Hey, Ive lurked around the debt Free wannabe diaries for a while, looking for inspiration to clear my own Credit Card debts. I have always been in debt for as long as I can remember! At my highest in 2017 it was £25766! A bit like a roller coaster, balance goes down and then up and its just never ending! I want to be held…
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To close accounts not being used or keep them open?
Hi All, Thanks for reading in advance... I have recently taken out a loan and paid off a few credit cards. I had some already open (with 0 balance) and others i have just paid. I now have 4 accounts all with 0 balance. Im not sure whether i should close them and just leave accounts with balances on or keep them open with…
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Confessions of this Shopaholic
Hi guys, I’ve been lurking on these boards for a while now building
up the courage to start my own diary. Unfortunately, I am a self-confessed shopaholic. It is getting out of hand now, which is saying
something when you actually recognise it yourself! I’ve always been a spender, but I am now spending
beyond my means. My…
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Best way to do things
Hi Guys, I'm after a little advice if possible, I have some outgoings and I want to save a deposit for a mortgage - and I don't know which way around to do it. So my financial situation currently reads as below Council tax debt £2431 (paying off at £304/month) no interest Car Finance £13,171, £399 per month @25% apr…
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Crazy Cat Lady Chapter 5 - Trying to recover from the pandemic
Hello all - visitors and readers old and new! :smiley: I thought that it was time for me to start a new diary. I've spent the past six months or so getting into some really bad and spendy habits, and my last diary is just reminding me how far off track I've wandered and how low I have put myself down the priority list.…
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Be badass or go home (Jen Sincero)
DFD Credit cards £12750 Overdraft £2500 Mortgages £200,000 Personal loan £90000 Total £305250 Income £52500 before tax 2 Properties value £700,000 My debt is really affecting my daily life. I grind my teeth in my sleep and can’t tell my family how bad it is. £190,000 of this debt is owed to family, 15 years to repay.…
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“Debt is normal. Be weird.”
The last time I ventured onto this forum was nearly 17 months ago. I started a diary in 2019 of the same name (now defunct somewhere and gathering dust) which really helped me focus on reducing our debt, whilst simultaneously being held accountable for even the smallest financial decision - there was nowhere to hide!…
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Almost at the finish line (original post closed)
Hello, it's been so long since I was here last that my original diary has been closed, oh dear! Well, that's how long it blimmin well takes to clear debts 😁 I wanted to update here that I've nearly done it. 2 more payments to go and I will be debt-free. I'm weirdly nervous! It's still hard! This community & keeping my…
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Payplan- a success story.
Long story short and one that I guess is very familiar, I got into trouble when I was younger, hard. I guess I was never really taught about money and hit credit like it was going out of fashion during the payday lending boom a few years back now. I had been in denial for years, a familiar story of borrowing from one…
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First day of the rest of my life
It's taken me a while to realise that I need help/support/kick up the butt with my debts. I thought I could keep everything on track, and that I had a plan... a good plan! Well sadly that wasn't to be, as mental health took a turn for the worse at the beginning of the year, and instead of my total going down, it was going…
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Caravan on my Driveway.
I have just returned home and there is a caravan parked on my driveway. I have been away for 5 days staying with my son. There is a registration number on the caravan. Can anyone please advise me the best way to get this van removed.
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The Best View Comes After the Hardest Climb.
Hello, Welcome to my new diary. I have one big goal to own my own place, preferably a house but more likely a two bedroom flat. With this in mind I have so far saved 12,000 pounds. In case you didn't already know I am pretty old ;) and live with my mum - she used to go abroad a lot but no longer does, initially due to…
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I’m 34 and have been in debt since I was 18. It ends now!
Hi all I’ve had a massive lightbulb moment recently and I’ve decided I’ve had enough of being constantly in debt. I’ve never struggled with monthly payments thankfully but I’m really fed up of paying out some sort of debt every month. I used to own a house with my ex and would overspend as we had a good household income. I…
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DST Debt diary
Just a note to myself and any friendly ear that’s listening on my debt repayment story. I grew up in a poor family, managed to get away to the bright lights of London. Got a good job, some savings but then went off the rails after a bad relationship break up in 2013. In a new relationship now, still in a good job but…
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Repayment plans & future dreams
Hi all myself & hubby have been on debt repayment plans for a few years now but we really want to properly start chipping away at these & concentrate on getting back financially healthy in order to move. Hubby lost a job a few years back and it's been a long slow climb back up to secure full time wages again. I was part…
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If we can get through the next 10 months….
hi everyone. we had our Lbm this week. It's a shame it didn't come sooner but at least it's shining now. Hubby and me have both got horrific credit ratings (we're in the really poor bracket). Bad habits and no self control, coupled with living in a money pit of a house, a car that almost permanently needs fixing and some…
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30s_Suffolk_Lass DFD
Hi All I've decided to start a DFD and am also after some opinions on how I should proceed with my financial situation. My heart says one thing but my sensible head says another! The story so far: - I currently have a bank loan which stands at £24,700.24, including front loaded interest. The original loan was £25k with the…
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The start of a long journey…
So over the last week I had bitten the bullet and started on my journey to hopefully clearing some debt through a DMP. I am based in Scotland and have approx £26k on 3 credit cards and next directory. My budget only allows £98 for SC to share amongst my creditors I am nervous that this is too low to be accepted but I…
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So here we go ... debt free to be able to remorgage
Ok so I thought I'd start my own diary...I'm overwhelmed after reading the diaries on here and thought what a fantastic way to be accountable for my mistakes and try and get out of this hole I'm in. So here goes... I own my own home. In December 2020 I was fortunate enough to move to a new place (I needed to move for…
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Debt Free Diaries or Anything Else!
Apart from the initial mention of debt, some debt free diarists make no mention of it again, with many many pages devoted to everything else in their life.Is this proper use of that forum and will it continue under the new rules?
