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Giving every £ a job
I've decided to be brave and continue my journey from lurking on these boards, through posting on these boards and I now feel ready to start my own diary. I don't actually have any debt anymore but I am very bad at saving so I've decided to set myself savings goals and treat them as debts to my future self. I was…
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From broke to better ..a journey
Hi everyone. Well today is, as they say, the first day of the rest of my life. The first real day of my journey to get rid of debt. I am alone in this. No partner and no family for support so I am finding myself tearful and scared. I know noone here can hold my hand, but I've seen so much support on other people's diaries…
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Walking into another chapter ...
Welcome one and all ... to those of you who have managed to avoid my diaries until now as well as those loyal ones of you who have stuck around over the years, thank you :) So another year is about to begin and now seems as good a time as any to start a new diary. This will be my 11th (I think?), I've been around here…
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The Mental Debt Struggle...
I've known that this diary needed to be started... But I've run away from the idea as the accountability made me nervous and I didn't think anyone would want to read it. But then I realised it would be financially and mentally therapeutic for me, and that's the whole point after all. I've read other diaries and gained so…
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Stopping the backsliding… a family of four no longer living beyond their means
Some of you may know me from my last diary, which was on Mortgage Free Wannabe. The truth is, I’ve not paid anything extra off my mortgage for years, I’ve not saved like I meant to, and I currently have £1,000 on my credit card 🤦♀️ 🤦♀️ 🤦♀️ I plan to have this paid off in under 3 months, so I could have stayed on my old…
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Time to banish the debt.
I've been a lurker on here for a while now and kept meaning to start my own diary but for some reason or not I haven't, I now know it's probably because of the shame I'm feeling. I've had some kind of debt for as long as I can remember but never to this extent. 8 years ago I had just paid off £3000 on my credit card and…
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One eye on the future ..one eye on the past
New Diary think I got lost in space. Debts are slowly reducing,I sort of have a three year plan ongoing which should mean we are very comfortable in the middle of the year 2023. I'm resigned to this being my abode ...hate my house ..hate my neighbours For that time I want to be in a good place financially to move at that…
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Credit Score effects by moving money from a main account to a saving account with the same bank prov
Hello folks, I hope you all good. i would like to ask simple question which I can’t find a answer for it. I’m debt free since 2023 June. I managed to save up a couple of thousand £ on my main account. The same time I opened a new debit card for £500 limit to improve my credit score. Before when I opened debit card £500 my…
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The 6 year plan!
I've had diaries before that have for various reasons lost their purpose. Last few years have had big changes in my life, I now have 2 children, I've completed my academic studies and now have a more driven passion for career progression. With this it feels like we have come to the top of our debts and now want to bring…
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Moriarty Law and JC international
I have received an email from moriarty law acting on behalf of JC international acquisition LLC for a scottish power debt at my previous property from nearly 6 years ago (august 2020) stating that l owe JC international money and they are acting on their behalf and offering me a 40% discount if l pay within 28 days. What…
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Road to Financial Peace
Hello, Happy New Year. I have attempted keeping a diary a few times on here but never kept it up for one reason or another. So here I am again but more determined than ever to shift this debt (I am not getting any younger lol) So I am late 40's married with 2 adult children still at home. DH is the main wage earner and…
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Three years to get debt free
Morning, I have had a diary on here before but had to close it down. I am a single mum with an 8 year old DD. I have found myself in debt since the age of 18 when I went to university and have been in it ever since. I decided to change this in 2017 and then found myself a single parent in 2018 and having to attain more…
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Another debt from 20+ years ago paid off! Harooo
😁 So, after taking out a credit card in my mid 20s, landing myself in an awful relationship where he stopped working, I was earning around £4 an hour, and everything then went on the credit card …. Age just shy of 51, I have just settled the balance of £1958 for £580 with Capquest. Despite my long-term mental health…
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Find the SecondStar and soar, and then straight on till the morning…
This feels like an appropriate time for a finance thread. Story time: My ex partner and I broke up 2 weeks ago. We had been together for 4.5 years, we bought a house together as joint tenants 2 years ago, and had been combining incomes and savings for 2 years. We have separated our savings, and he is exploring options to…
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Time for Change…..
I’m heading rapidly towards my half century and still don’t feel like a proper grown up in charge of my own destiny. It’s time that I pulled on my big girl pants and start facing facts and taking responsibility for my life. After all, I am the only one that can do it! I’m going to use this diary to keep up momentum and…
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Stronger, Smarter and Saving
Time to face my debt head on and I thought this would be a nice little corner of the internet to document it. I have about £10k on a 0% card and just under £5k at 5.9%, so I'll start with that smaller card. OH has about £10k across 2 cards too - they're both on 0% deals so we've set them up to pay min payments only at the…
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Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
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£2,576.79 to clear by March
£956.15 on one credit card, interest free period ends 16th March £1620.64 on the other, interest free until the 1st March It's entirely possible that I can't quite manage and end up doing a balance transfer, but this diary is to give me the accountability to try my best. We've had a tricky year financially after my husband…
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Paying off £37065 unsecured debt by July 2027 while continuing to travel this amazing world
£37065, it’s a challenge, but I’m up for it. The debt is made up of three credit cards, Very, a car loan, and a boob job loan 😆 I’m planning on combining the avalanche and snowball methods. I know it makes sense to overpay the higher interest Very debt first, but I need the quick win of waving goodbye to my smallest credit…
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I'm back, still struggling along, still frugal
H everyone, It's been ages I know and the forum has changed, but my posts were getting really boring as nothing really changed very much and to be honest I was getting bored writing the same old things. Anyway I thought I'd start another thread as its coming up to winter and like most basic OAP's I'm expecting this winter…
