-
£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…
-
Daisy's Debt Free Diary [31F/Autistic]
Hi everyone! After spending some time lurking and reading other DFD's I've decided to start my own to track my journey to becoming debt-free. Right now, my total debt sits at £3,124.06, spread across two CCs: * Card 1: £826.70 (0% interest until 8th September 2025) * Card 2: £2,297.36 (0% interest until 17th January 2026)…
-
A healthier way to chase dopamine
Hi everyone, I’m newly registered to the forum but have been reading these diaries for a few weeks and it’s inspired me to start my own one to keep me accountable and hopefully get the debts down! My problem is that I currently have a large amount of credit card debt through what I now realise is chasing dopamine. I get a…
-
Small Business, Big Debts
Hello all Debt free wannabes! :) I posted on these Forums over 10 years ago, and it made such a huge impact on my (successful!) attempt to get debt free, but a LOT has changed in the last 10 years, so I’m back again! The accountability and kindness I received back then was invaluable to me, so I hope to bring some of that…
-
F&F settlement letter offer or CCA . Not sure where to start. Thanks
Hi everyone, Thanks for reading my post. I have been reading through the forums and not 100% sure where to start. I am looking for some advice as I don't know whether I should try and negotiate F& F settlements or first to ask for my CCA, all taken out around 2011-2014. I have been paying £5 a month to each creditor for…
-
Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
-
Debt Free In Two Years - It's Now or Never
Hi everyone I’ve been around these forums for a long time, but have been very sporadic for a while lately. The debt is still there and hasn’t been dealt with - but I honestly feel that 2025 is the year I get debt free. My OH and I have just finished paying a large loan that we’ve been paying for AGES. Before this we had no…
-
Genuinely how do you start?
Hi all, It’s been a very long time since my last post, so apologies if it’s not done right. I’m 46 with two teenagers from my previous and a 5 year old with my current partner (this will become relevant). When I was with my ex wife, life and finances was slightly different in that cash was readily accepted everywhere, so I…
-
Hustling My Way To Debt Freedom
Hi everyone I'm back again, still trying to clear the debts. I won't go into a long explanation as to where I've been (no excuses - I've just been rubbish at coming on here), but I'm just so sick of being in debt, I have to get a grip on it. Got to hustle my way out of it, any way I can (legally of course!!). The plan?…
-
Should intake out a loan to reduce my debt anxiety, despite paying more interest?
Hi, ive accumulated 10,700 in debt (maternity leave and my husband lost his job) - its across 4 credit cards, and a small amount of PayPal and Next. Ive been spending the last few years moving the debt between the 4 cards, to make use of 0% offers, so I've kept the interest mlvery minimal. Ive recently moved some debt to…
-
Redemption - The journey of a recovering gambling addict.
Ok. Here goes. This is my journal on my journey to redemption. First post is to outline my current situation. Salary- £75k + Married Two Children Personal Debts Bank Loan 1 CAR - £20433 - £352 4.3% Debt Consolidation Loan £10,344 £153 5.2% MBMA - £4300 - 0% 14 months NatWest £3000 - 0% 12 months I have told my wife…
-
I can do this...step by step
Hi all, I've been lurking on the forums on and off (mostly off) for sometime now and had "that moment" when I have come to realise I'm really over my head and hiding behind yet more loans and further debt won't help. I feel I have got to this stage by each time taking a new loan to consolidate the last while spending more…
-
Back again
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…
-
Time to Face The Music
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…
-
The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
-
A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
-
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…
-
After 20+ years here I'm not sure where I belong anymore ...
So it's time for a brand new diary, welcome to anyone new, welcome back to anyone who has followed my journey along the way. I've been on here since I became a single parent in 2005, recording the highs, the lows, and mainly the hum drum of everyday life, all while trying to save my pennies. I've always loved this board…
-
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…
-
*sigh* this is still taking a while, but moving forward (slowly!)
Hope everyone is enjoying their Christmas so far :) After 4 years writing (sporadically) on my previous diary, I thought it was time for a sparkly new one. A lot of things have changed over the 4 years - I just have 1 job these days, my children are all that bit older, our house renovations are complete and our debt is…
