-
Maternity and Mortgage
Hi everyone, I've been reading some debt free diaries and it's inspired me to have a go at my own! Abit about me... I'm married with 2 daughters and I'm currently pregnant with our third! We are trying to save as much as we can for the dreaded maternity pay which sees me going from £2000 per month to £580 per month next…
-
Debt free by 40
So I've finally decided to start a debt free diary and am hoping this will help me to find others on a similar mission so we can all keep one another motivated! Through a mixture of a failed business venture, consumer debt and house renovations we are in a position where we owe more than we would like. Fortunately our…
-
Nearly at journeys end has felt like a long drag
Started off on April 1st 2020 owing £35048, seemed like a overwhelming task. However through dogged determination and a lot of "going without" and selling unwanted or unused items as of the end of this week it will be down to £12300, used the waterfall method, paying off expensive debts first. However bad it seems it can…
-
Stop the Splurge
I'm starting this diary because I need to get on top on my spending and some small debts. Background: DH was in charge of finances for the first few years, only he was dreadful but I wasn't much better and together we built up debts over 50k. In 2007 he had 6 CCJs and we were on the brink of losing our home. So I joined…
-
Monthly Commitments below £1000 diary 2021
Afternoon All I've been on here a long time, got out of debt and back in again, this time, since following Dave Ramsey, will be my last. I have a stressful job and not sure how long I can live with the anxiety on a daily basis, its making me ill. So I decided to do something about it. My task is to pay off my debt and…
-
LIGHTBULB!
Does anyone else think of the minions/despicable me when they hear lightbulb? Today i’m starting my diary. I’ve previously been on the forum, many years ago and whilst my debt is better “controlled” it’s probably the same amount. It’s time to really knuckle down and get rid of it. So here we go. I’m 34, married, two…
-
The way forward....
Hi, So I have been reading through these diaries for the past couple of years whilst managing my own debts along the way. Then middle of last year with more time to think due to lockdown I finally had my light bulb moment. So how do things stand. Well I am married with a young daughter at school, both of us are in full…
-
5 Years Free
Im a bit of a fraud, I have debt in the form of a 127K mortgage but none other. My marriage is over, and I have nothing but I have a plan. Background for context We did everything the wrong way round like many couples nowadays moved in together, children, marriage then purchased a house. Its not been a been a bad life we…
-
Bec’s head out of the sand diary
I’ve been in denial about my debts for years ever since retraining as a teacher years ago. Instead of asking my husband for help I’d carried on ‘managing things’ by myself in that time when I had no income (but still travelling to full time placements and college that was an hours drive) I used to pop things on my credit…
-
One year on from lighbulb moment
I've not posted in such a long time but I am still on track and the debts are going down :smile:
-
Keeping focussed
Hi all, very long time lurker here (maybe 7 years!). This board has been an absolute inspiration over the years and debt had risen and fallen - but I’m nearly there. So thought I would do a SOA and see what you amazing people can spot for me on my final push to be Debt Free. I have no Mortgage and own my house. To avoid…
-
Paddington's Debt Free Journey
Hi All I'm new here and thought I would start a debt free diary to try and keep myself motivated. I currently have the following debts:- £750.00 Tesco CC, £2,570.00 Virgin Money and £3,360.00 to MBNA making a total of £6,680.00. I'm fortunate that all of this is on 0% and I have worked out my monthly payments so that all…
-
Still trying to stay in the black
Starting a new thread for 2021. Long time reader and single mum to two little puddings. I started a diary towards the end of last year as I was constantly finding myself in my overdraft. Posting on here definitely makes me more accountable and I also like reading back to see what progress has been made. Have been missing…
-
what a year!
Hello, I haven't posted in a while! But I thought I would update everyone on my situation since my last post! (It's not good!) Furloughed for 3 weeks Grandad passed away Sister currently has Coronavirus! Cat cost me £1400 in vet bills! :o Long story short, I'm worse off than I was last year! BUT I'm determined to get my…
-
New Me 2020
Good Afternoon all. Thought with the end of this horrible 2020 being upon us there is not better time to focus on the New Year and push towards getting my debt cleared my way. So a little about me first. I was very silly with money when I was younger which has resulted in me getting into a bit of a mess with my finances.…
-
Pay off now or wait?
Evening all, I have spent many years in debt, sadly! I now have £1,055 left on a credit card at 0%. I do have £2,000 to my name, but can't decide if I should just keep paying it off or pay it off all in one go now. The £2,000 is all I have to my name, so I'm panicking that if I pay it off all in one now, I won't have that…
-
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..…
-
Credit cards and how worthy are we
I have around £6.5k of credit card debt left to pay off. I've not used any credit cards for almost a year. I have been in significant debt over the last decade, however finally in a better place, both financially and credit worthiness. The 3 credit cards I have left with debt on are all 0% interest. Well they were until…
-
Starting to budget after years of wishful thinking
Hi so I came here for advice. Have about £29k debt over two loans and one currently interest free credit card. I kniw if I don't clear thia debt ASAP then I will fall back into bad habits and it will spiral out if control. I am currently considering selling everything I have of value which could clear at least half. This…
-
Slow progress but the journey continues...........
So here I am back again after 2 years away from MSE - lost access to old user name so a new shiny username deserves a new shiny diary. I first started coming on MSE about 10 years ago would make some progress stop posting for a while and come back with the debt even bigger than before. At the last light bulb moment…
