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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…
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Turning Debt Darkness Into Power
Good morning all, happy Tuesday! Long time lurker, first time poster here. I've had a DMP for about a year and a half and tend to be terrible at saving, but that is going to change! I'm currently paying token payments of about £12 per month with the aim to create an emergency fund, I'm up to about £200 saved now thanks to…
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£69k debt free wannabe
Right I'm new to this so hopefully its in the right place! We have been in debt for as long as I can remember, well I have been, my husband has just been in debt since we brought our house. I have been trying to sort money for 12 months now and have cleared a bit of debt but have deffo made some bad decisions with money in…
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Help advice needed
Hello I'm looking for some advice with no judgement :( I've always been bad with money grew up in a single parent household whenever we got money it was spent on good things because we could never afford them but I seem to have developed this into adult hood. I've been in debt in the past and got out of it any many ways...…
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Feeling positive about banishing a decade of debt
Hello there - first post! I’ve (we’ve) been on this debt free mission for the last
year now and I’ve only just found this forum. I wish I’d found it earlier but
it’s reassuring me that I’m on the right track at least and I’m finding
everyone’s journeys to being debt free very inspiring! I’m hoping a debt diary
will really…
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Debt and Caring
Finances are a bit off the beaten track at the moment. Currently I live in the Republic of Ireland (some figures will be in EUR). I am living in the family home where I support my father full time. He has dementia. Living here means the majority of typical bills are covered by my parents' income. I don't pay for groceries,…
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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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Debt free by 40? I hope so.
Well, this is a big step. I’m honestly not sure how I have ended up with so much debt,
it is scary, and I have racked my brains and the only thing I can think is that
I have been living beyond my means and have absolutely nothing to show for it.
No fancy car, no nice holidays, a house in desperate need of updates…
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“Rock bottom became the solid foundation on which I rebuilt my life.”
Back in May this year I decided things had to change. I turned to here and received an amazing amount of help and advice. Here I am making a fresh start. Debt 09/05/2017 Council Tax £2092.71 Court Fine £1250 Court Fine £200 Person 1 £1000 Person 2 £1000 Person 3 £1379 Person 4 £427 Debt Total £7348.71 Rent Arrears £3381.28…
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How to stop notifications
Can anyone help me stop receiving notifications on posts I’ve made? At the notifications settings I can’t see one to stop them. Google junk and spam settings doesn’t work either. 😖
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New job, new start!
Hi all, thanks for reading! I had a diary on here for a short period of time last year, but a lot has changed since then, so I’ve decided to start again! I recently moved jobs after a big promotion - still waiting for my first payday later this month as I moved organisations to get it. My wage has gone from 32k to just shy…
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First Steps to Solvency
Updated this with Feb-21 balances - new start lol. Personal only, no business/ property held in spvs. Feb-21 Balance Value LTV Jul 21 0% - C1 £6,320.00 £- Jul 21 0% - C2 £1,185.00 £- Jan 22 0% - C3 £6,450.00 £- Oct 22 0% - C4 £11,080.00 £- Overdraft £2,345.00 £- Range Rover £90,400.00 £85,000.00 BMW £34,950.00 £27,500.00…
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I don't need another skinny Latte
According to the demotivator tool in the last 5 years I've spent £1750 on skinny lattes, isn't that ridiculous? Thats doesn't include the odd muffin, panini and rocky road slice either. I had my LBM on 2nd June 2013, thinking that I probably owed the best part of £12000, when I totalled it up I actually owed £21595 :eek:…
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Hoist finance accounts removed from my clearscore, is that it?
Good afternoon all sorry if this isn’t the right area but I’ve read and read but can’t find a clear answer so I’m asking for a little help if possible. I had 2x Hoist (ex barclaycard) both debts around £10k mark. I won’t bore you with all the usual stuff but I’ve been through it all addiction etc etc I’m proud to say I’ve…
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Happy Sloth Clawing back
Hi there, So this is step 1 of my journey back from the disaster that's been the last 2 years. Me and my OH are both in our late 40's during our life we've had every income known to man, we are not people who where born into comfortable incomes, we spent most of our early married life earning minimum wage, we've been…
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Will I ever get to the end?!
Hi all, a long winded post ahead! First time for me coming face to face with my debt, enough is enough and I'm just hoping there will be an end to it all whether it takes years and years! I don't even know where to start, I've always enjoyed spending but I was actually a good saver at one point and very careful. I won a…
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Going broke thinking i'm rich!!!
Hi All, Some of you may have come across me in my previous diary, I hope you will follow along here too as I have decided January is a good time to start afresh! o:) Talk about lightbulb moment, despite all good intentions with Christmas and last year, I am sat here trying to juggle money to cover for a DD in two days with…
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The English Rose goes frugal
Well it's time to de-lurk and start my very own debt free diary. Somehow I've managed to get myself in Aproximately £17k worth of debt plus another £5300 to relatives. It's definitely time to face the music and make a plan to get this paid off and gone. My debts are: £1500 credit card (Maxed out) £2500 catalogue 1 (Maxed…
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Keeping myself accountable
Hi all, I’ve spent the last few years with my financial head buried in the sand, fortunately it hasn’t led to serious problems as I’ve got an ok job … But I haven’t managed to save anything and that has been stressing me out more and more since getting married last year. My wife doesn’t earn much and thinking about…
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In for a penny out for a pound
So a lot has happened since I was last a regular in here. I got married, and I am now separated. I work at my local hospital 30 hours a week over 3x10 shifts and I have also started my own business. My debts have fallen, risen, fallen, risen etc etc. My kids have moved out and moved back. So at present, both my sons are…
