Debt free diaries

Third time lucky? Third diary for me - definitely sticking to this one!! The fact that I've not stuck with the previous ones pretty much sums up why I am in such a mess - so unorganised and easily side tracked. When it gets hard I stick my head in the sand and do my very best impression of an ostrich, this has probably…

Hello, Long-time lurker, first-time poster. I've had CC debt ever since moving to London after university around 9 years ago. Coming here for work on a very low wage, I quickly ate through my savings and started racking up debt on credit cards, without any real means to pay it off. Came to a bit of a head when I ended up…

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…

So..ladies and gents...it may be time for a new diary. The recent changes to the site seem to have booted me out...and as this place is essential (nay, critical) to my ongoing attempt to be a true frugalista I need to keep the diary posting going....plus of course I'd miss everyone on here. You are all fab and the support…

hello and welcome to my new diary. I’ve been kicking around here for a fair few years and dealt with debt for a lot longer. I am however happy to declare that I am debt free and mortgage free. This is despite my last mortgage starting at £160k on the same house where my original mortgage was £38700. Multiple consolidations…

Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…

Hi all. Its been well over 10 years since ive been on these forums, and have been quite frivolous with my cash by my standards over those years. Im probably far from the most in debt here but ive recently got the bug again and want to make massive inroads. So im a dad of two, and married. We have 87,000 left of the…

Hello, I'm new here! I'm so glad I found this space. I'm going to use it to help keep myself accountable as I work towards paying off my debt. Quarter: October–December 2026 Date: 28 September 2026 💸 Debt: -£14,489.19 💷 Current Account: £177.09 💷 Savings Account: £645 📊 Net worth: −£13,667.10 Non-monthly bills coming up 6…

Hello all, long-time lurker/reader of advice and thought a good time to put a pen to paper and have a chat about my debt journey. I’m 34, in 2010 at 18, I walked into a Lloyds TSB branch and a member of staff helped me pay some money in and then wanted to discuss a Credit Card. I was daft and signed up to it, I worked in…

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…

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…

As 2024 is almost here I think a new diary is in order. I will be spending New Year’s Eve alone, not for the first time, the difference being this time I don’t have a significant other who would call me, and make sure they were the first to wish me a happy new year. I will not dwell on what has been lost, but focus on what…

I'm chuckling as I write this as it's nearly 10 years since I last logged in here. My last diary was titled 'One Final Push' but needless to say it wasn't. I have been in debt continuously since I was at University. Since the fateful day I turned up at Barclays and asked them for an overdraft which was never fully repaid…

We live on a smallholding in rural Wales. We don't keep any other animals than horses that are oldies now and it is only me and DH at home. Compared with a few years ago there is a lot less to be paying for although the costs of previous years have caught up with us and we are paying loans and credit cards. The purpose of…

My debt has always been there, nothing major - the odd holiday on 0% which is dutifully paid off then rinse and repeat. Then things changed, 5 years ago I lost my mum to Cancer - she loved life and was taken too young. From this my attitude changed, holidays booked, things bought, paying for friends - I wanted to live in…

(shiny new diary and the title makes me feel like I am in an Enid Blyton book) For those of you who are new, and those who are not, quick life re-cap: Household consists of me, Mr Fox, and Mini Fox. Regular visitors are the 4 stepkids, 2 of which are now adults. I work full time and Mr Fox is currently SAHD'ing to Mini…

No clue where to start but hoping, like others, that tracking my situation will not only hold me more accountable but help me see some progress in my thinking, spending, saving and what not! Total Debt to date 9th July 2025 Student overdraft from 2015: £1550 now at £330 Credit card from 1999:£5615 now £2068 (0% Interest on…

We have decided as a couple that it is time to face the music and start paying down some of our debts. We are lucky that we are both in jobs that pay ok but we have at times been living beyond our means and now it is time to start reining in the spending and making a concerted effort to cut the debt. Moving house last year…

Morning everyone, I closed my DF diary a few months ago for various reasons at the time. However on reflection I think I haven't been myself for months , but I feel myself coming out of the place I've been and wanted to be back here. The last two years have been very testing with RL things going on in the back ground but…

I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…