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We will get this debt down & the savings up
Several years ago I joined MSE with a different user name, but then it all went a bit wrong with losing job and other things, so I sort of fell by the wayside. Now I have created a new profile and am starting again with more determination. I have read so many people's diaries and can see that it helps you focus and it is…
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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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A Ditherer's Diary (again)
I'm baaaack. When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7. Having had a quick read through, a lot of it was me coming and going with a few months/years in between. I…
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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…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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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…
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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…
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Stopping the backsliding… a family of four no longer living beyond their means
Some of you may know me from my last diary, which was on Mortgage Free Wannabe. The truth is, I’ve not paid anything extra off my mortgage for years, I’ve not saved like I meant to, and I currently have £1,000 on my credit card 🤦♀️ 🤦♀️ 🤦♀️ I plan to have this paid off in under 3 months, so I could have stayed on my old…
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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…
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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
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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…
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Cards Be Gone !
joining to get rid of my credit cards no other debts apart from mortgage which doesn’t have long left will list my cards, balance. Interest rates etc shortly
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After Advice Please
Hi, Me and my wife have been stupid with money over the last few years. we earn decent money but have big outgoings. looking for advice & ways around it please. nursery fees will be stopped in January which will help Income a month (after tax) Me - £2190 - Wife - £2500 = £4690 Outgoings personal spending - Me - £300 - Wife…
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The Sea is Calling
Hello there fellow wannabes! Starting a brand new diary for my lofty ambitions. It's me, my husband, our cat (plus an extra one who eats his food and sneaks in to sleep in our house but won't let us go near her) and we live in a Victorian terrace of an East Mids town. We are bookish and musical, and very social peeps, and…
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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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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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Need to stop spending and chasing dopamine!
Hello! I’m creating this diary to hold me accountable, as I’ve been trying to pay this debt off for 3 years now and I just keep kicking the can down the road so to speak. The good news is it’s all on 0% interest. The bad news is I need to have the most boring year next year (aside from a holiday) to be able to pay it all…
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Spinning a New Story
I’ve been lurking for a little while, reading and learning. After far too long of burying my hand in the sand and telling myself that I’m just not very good with money, I’ve decided that I need a new story. I can learn to do things differently. I don’t have to hide away from my bank balance. I can save for the future (one…
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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…
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Reset 2026
So 2026 is going to be my reset year. Started September 2024 with 32000 in debt, cards & loans. By the end of December I will be down to 8995 - gotta add the extra just to get to a figure starting with 8! Hoping to clear the lot by the end of September 2026. I have a tax bill to pay by the end of Jan and the car MOT at the…
