-
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…
-
Creating the life I want - and tackling my debt!
Hello all, Years ago I had a journal, but back then, I was at home with my parents, trying to keep a business afloat that paid me a pittance. Moving out felt like a pipe dream. But I did. After closing my business down in 2017, I took on an entry level government job and worked my way up a couple of grades [so far] and…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
-
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…
-
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…
-
£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…
-
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…
-
Here's to the Fools Who Dream
I will be 60 on March 2nd 2026 and I am an old fool who is dreaming that the best is yet to come! I loved the film La La Land, always felt this song was about me ....... The Fools Who Dream (Abridged Version) "She captured a feeling A sky with no ceiling, the sunset inside a frame .... A bit of madness is key To give us…
-
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…
-
Approaching 60 Riddled with Debt SWF
Hi Ive been here before but I will start with my new story I am Fay 59 approaching 60 in April, around 38k in debt, paying Peter to pay Paul, Live single but have sponsor a Ukraine. I became single last Feb but he didnt pay his way most of the time so I ended up using cards then consolidating with two loans and spending…
-
Sashybo - Back Again
Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE. Current debt now under 10K. :j This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago. I must admit we have slipped…
