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From debt to freedom...
For a couple of months I have been lurking and reading diaries which have been helpful and inspiring. I thought that I would start a diary to keep myself focussed on getting rid of the debts. I am a working mum, recently separated from my husband. I have a large family which makes for an interesting and busy life! I have…
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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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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…
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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…
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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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£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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Here I am ...
Hi everyone, back again to start keeping track. I started to do my SoA but got so overwhelmed that I haven't finished it off. Husband has been made redundant so we need to really tighten our belts, and just as we started to do that our dog was very poorly. Luckily she's fine now, but even with insurance it's going to cost…
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Spendy Wendy to Saver Savvy
After lurking for what seems an age, I have finally created an account and started to interact this forum :) For years I feel that we have been flying by the seat of our pants, not planning in advance, using savings and investments to pay for holidays and other luxuries and just not really having control on our finances.…
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Flying solo
I previously had a diary (well actually I've a few) but in June I had a big life shift which meant I disappeared for a while! I've had a few attempts at trying to pay off debt, made great progress and then progress stopped and the debt increased again. But this time I seriously mean business and I am determined to get this…
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Mentally exhausting
Hi all, this is my first post but a long term reader of this forum. I have been in debt my whole adult life and now in my early 40s. It all started when I started work at 18 in a high street bank and had access to easily accessible credit which I kept consolidating and taking out more. I was on top of my debts but my OH…
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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…
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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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Back in debt after clearing it in 2013
Here I am again, back in debt 😩 I cleared 17.5K back in 2013 using the suggestions on this forum, but life (and a complete inability to manage money) has led me back to being in debt. Granted it's not as bad as before, at least the LBM was quicker this time around 😆 but it needs sorting. I did start doing a payment a day,…
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Daisy's Debt Free Diary [30F/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)…
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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
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The Little Cottage by the Sea
Hello my loves, I've wandered these threads for a few years and old versions of myself have had different user names and different diaries. I feel like this is a new chapter. One where I'm content and capable and I hope to bring you along for the story. The diary title is me manifesting the dream. I have come a long way,…
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The Debt-Free Journey Begins....
Good morning all, I've looked through these forums for some years and taken lots of good ideas and inspiration from other users. So thank you. But now it's time I actually hold myself accountable for my own messy finances and lock in to becoming debt free and on the right track to live a much easier life financially. I'm…
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One day at a time
Im starting this dairy to keep track and hold myself accountable. unsecured debts of £54k. Have clearly been living off CC more than i ever realised. All been low apr or 0% BT, now coming to an end this year, interest is killing me, monthly payments circa £1200. My OH knew nothing of any of it, they knew we had a loan and…
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Sorting my life out (again)
Blimey, it's been about 5 years since I've used this forum and my life has completely changed. 2020 = married, 1 DS, full-time job, debt-free, £9k savings 2025 = divorced, 1 DS, 1 DD, full-time carer for my DD who is disabled, £7k debt, £0 savings Luckily my debts are relatively small and 0% interest... apart from the car…
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Reining it in for retirement and sanity
Hi all No idea why I got booted out last time - don't think anything in my thread was inappropriate - but then lost my email password and couldn't get back in so back again(!). Background - Female, mid 40's with 2 young DC (6&4). One has additional needs. Live with them and DH. Work full time as does DH. Previously lots…
