-
About lab diamond ring
How do you feel about lab diamonds?I want to buy a lab diamond ring. It's a very common theme right now. What do you think?
-
Debt free by 40
I have been binging on diaries in the last few weeks, I didn't read any books since and watched very little TV. I love all the life stories and I feel so inspired and impressed, seriously amazing people around here! A few I have been reading recently are @CRANKY40 @girlatplay @WinterWarrior @Debt_Me_Out_Of_Here @Naomim and…
-
Trying to get the balance right
Hi all, Long time lurker over here 👋 and thought I'd finally bite the bullet and create my own diary. Mostly for my own self motivation and to keep tabs on myself as I am my own worst enemy at talking myself around or out of situations. I have stalked these forums for a number of years as I find reading other people's…
-
Moving on with things
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…
-
Finally making a dent in the debt
April 2022 was my LBM when I calculated that my debt had grown to a whopping £50k. Fifty thousand pounds. Even saying it out loud now makes me feel sick. But I spoke to Stepchange who set up a DMP and since May 2022 I've paid off over £9k. It's not been without its issues - I'd forgotten how rough it is when the calls and…
-
Frugal, thrifty, make do, mend! Let this debt come to an end!
Hello all, So by my reckoning, that magic spell in the title should take about 4 years and 4 months to take effect at current debt repayment and spending rates. :rotfl:. However, there is no harm in trying to help things along a little, is there? I am recently divorced and live on my own in a rented house with my 2 cats.…
-
Feels like im going under!
Hi Guys, i posted in July but cant find the topic. I could give you the reasons but it'd be a long write, and the content of the issue would be the same. Bottom line started a new job and by the time I did everything had changed (had to give 4 months notice in old one): NI increase Energy bill doubled fuel (petrol)…
-
Missy’s Surviving the storm so we can dance in the rain.
Hi! I thought it was time to start a new diary. Quick update, there’s me, OH and my 2 children, May who’s 8 and Roo who’s 10 in a week. I’m 40, run my own business and a shared one with OH. Both of which we’re trying desperately to rebuild after Covid. We bought our first house this year which is great but we have a…
-
Asset Rich, Cash Poor - Me vs £130k debt mountain
Hi, Thought I'll
share my story. It is not a typical story here in this forum. I used to be quite
well-off. As the things stand on 25/03/2023, I own a house now worth £360-380k (had inheritance,
and the mortgage associated with it is just £72k now), a fully paid off Mercedes E-class with advanced engine (still worth about…
-
Sixty Thousand to clear in 4 years!
I had a previous diary that worked well but drifted away from and didn't keep up with the changes in my life. At that point I had a similar debt but in a sense less to show for it and less able to pay it off. Now with a 2nd baby on the way our little family will be complete and I want our finances and other aspects of our…
-
30 in age, 30 in debt
I’m creating a diary in the hopes I will realise my goal of being debt free and undo the mess made in my 20’s. I’m hoping to use this to keep me accountable and on track. I feel I’ve addressed most of the issues which led me to this point and now have a decent paying job (£35k ish) I’m determined to clear the majority of…
-
New Year, New me
Over the last couple of years, I have got myself into a mess, but that is all about to change. I'm putting a plan in place to get me debt free - not sure how long it will take yet, have about £16k of debt to pay off.... even writing down the number makes me want to cry. But this is the year I get on top of it. I'm trying…
-
Keeping the wolf from the door.
Well i've been missing for a few months so i've decided a new shinyndiary is needed, also the title of my last diary couldn't have been further from the truth (2020 a year to be mindful :D ). Life has been hectic the last few months, more hours at work, new puppy, DD starting uni but still living at home. DS past his…
-
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…
-
Ding! Ding! All change, please... (now replaced with new diary on MFW)
Right – so it
feels like new diary time all over again. Many of you will recall I’ve been
here a while – initially legitimately as we were clearing debt (a loan, and
getting shot of a nasty habit of ending up in overdraft most months) then I
veered to MFW for a bit as we were clearing the mortgage, but I never quite
felt I…
-
It's the final countdown...£10k to go
It's too long a background to go through, but I have kept a handy, if not 100% accurate, log of what debt I've paid off over the last 4 years, which gives some context: 2017 I paid off £6,164.44 2018 I paid off £2,184.60 2019 I paid off £8,928.25 2020 so far I have paid off £10,297.08 That's a lot of money. It includes 2…
-
A Better Life.
I want a better life. I know with the crisis in the cost of living, the war in Ukraine, my mum's illness, the state of the government and the fact that it is winter it is probably the wrong time to start trying! but I am so tired of my life, I feel put upon and trapped but if we are being totally honest I do this to…
-
Struggling along as best I can
Hi everyone, I have just been catching up on my banking and budgets and I am really fed up of getting to the same point of having very little for the last 6-10 days before I get my pension. Don't get me wrong my bills are all paid and I have no debt and I only need to buy just a couple of bits of food (coffee!) But I'm…
-
It's time to begin.....
So I'm 15 months in to my journey to becoming debt free and after reading loads of the diaries for inspiration across the last year and a bit, I've decided to start my own. I hugely messed up a few years ago by not saving up anything (putting no thought into anything) for my wedding or maternity leave and went into it with…
-
Just another unsuccessful trader
I've avoided posting for a long time, but have known for a while that I'm terrible at keeping myself accountable and need some support from elsewhere. At the moment, I don't feel able to tell anyone about my financial position, which has been getting worse over the past few years. I'm here now to be completely honest…
