-
Fat, forty and financially f**ked
Decades of overspending and overeating have left me in a bit of a state. I sporadically try to fix both things but I never truly admit the real situation. So in black and white, for all to see: We have lived beyond our means for our entire adult lives. We have been bailed out by lucky windfalls, the bank of mum and dad,…
-
Overpayments on loan
Hello, Got a loan out from a high interest provider in Jan 21 for £5,000 for 3 yrs. Obviously they add the interest on at the beginning of the loan so I currently owe £6,087 and I have a settlement figure of £4893. I could probably pay it off in 5 months because there is a lot overtime at the moment and I could save £900 a…
-
The Next Phase
I became debt free a week ago , so have decided to start a new diary to cover my journey to working part time when I am 60 in 19 months . Retirement completely will depend on certain factors , so for now I am aiming to be doing 2 days a week starting jan 2023. I want to try and save as much as I can in the next 19 months…
-
My little lightbulb moment
Hello there!! So i've been stalking these forums for a while and after having my own light bulb moment last night I think its time that I made my own. I'd absolutely love to be posting on the mortgage free forum but for now I think I need to get everything else in orders especially now time are getting scarier. Here is a…
-
My diary for self-accountability
I am starting this diary to keep myself accountable in paying down my accrued debt from the past 2 years. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income…
-
Daily steps towards my marathon goal!
Over the last few months I’ve finally come to the realisation there are no quick fixes to any of the ‘problems’ in my life. They didn’t occur overnight so I’ve been naive in thinking I can get myself out of them quickly. I’ve been in debt on and off (admittedly more on than off!) since I was 18. I’ve used overdrafts and…
-
This time, I'm doing it!
Time for a diary because I am more determined than ever to get rid of my debt and I want to look back over this one day knowing I am debt free. I have struggled with my finances for years, borrowing, paying it back, borrowing more, struggling to pay it back, not paying it back, debt management, reducing debt, then…
-
Finding a balance
I want to do it all, and in doing so I always end up with nothing. I want be frugal and get some savings behind us. I want to be as eco friendly as I possibly can. I want my home to look nice and be a nice place to be. I want to be as healthy as can be. And lastly, I want ds to have a fulfilled childhood with lots of days…
-
Financially Astute Like Dwight Schrute!
Hi everyone! Years ago I had a debt free diary here - which is now long gone. I have been in and out of debt for years but my life really changed in 2019-2021 and now I'm working really hard towards my financial freedom. I have 2 credit card debts I am currently tackling, with one cleared. The debt was surgery for my…
-
Debt free
Hi I’m starting this diary to keep me on track with my goal to be debt free. I’ve reduced my outgoings as much as possible and am working extra hours to clear the debt as soon as possible. I hope to have around £1000 a month to overpay. cc1 4083.25, monthly £102, 0% cc2 3507.96, monthly £35, 0% loan 20244, monthly £253,…
-
So close to debt freedom... preparing for what's next
I've been reading these boards for several years, and finally have taken the plunge to write. I've so appreciated reading people's stories, and seeing the mutual support, especially when I've felt most lonely and down. So thank you; I'm sorry that I'm only now speaking up. I've struggled with debt since I was eighteen and…
-
No excuses
Hi, long term lurker, ocassional poster, First time Diary. About me I and 47 with a 8 y/o DD. I have a long term partner (20 +years) both work good jobs with reasonable income. My partner is excellent with saving me however, i'm a bit of a hit or a miss. I can save but i am fritter and a bit of a shopaholic. My goal is to…
-
First step to no debt
I've been reading lots of threads on this forum and they have really inspired me. So, I'm taking the plunge after my debts spiralled out of control. Today, I'm taking charge. Here is my SOA [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b] Household Information[/b] Number of adults in…
-
Getting things sorted before I'm a gran!
Well when I started my first diary I was determined to be debt free by the time I was 40. A month to go and that isn't anywhere near happening. So maybe 40 can be the start of something good. I ladt posted on my diary back in May and although the minimum payments have been paid I haven't kept track and I know the CC's are…
-
Diary of a reformed shopaholic (I hope)
Recently had my light bulb moment and still have to get dh onboard as he is living in cloud cuckoo land! So a brief introduction! I say brief but I tend to ramble :) We are a family of 3. His lordship who doesn’t like change, me who likes to shop (make up and toiletries so now on a self imposed ban) and monkey boy who is 8…
-
Towards the light
Hello all, I have been reading the diaries here for many years. I am 35 years old but have been in some kind of debt since I went to Uni at 18 years old. I havent ever been paid and owned all of that money without it needing to be paid out in interests and overdrafts. That day is still a dream. I made the mistake of…
-
Gambling Addict Debt Diary
Yesterday I have accepted I am a gambling addict. In my dire situation, I still managed to somehow find it in me to gamble another £500 on roulette. In light of the Russian invasion, my crypto portfolio also declined by 20%. Long story short, I had an existing £8000 loan that covered all debt from gambling. I then decided…
-
On a Mission
So this is me holding myself accountable, publicly, albeit anonymously, for my spending. To be fair I'm not so bad, sort of, ish. DH on the other hand has issues!! Why am I doing a Diary? Well it all came to a head when DH spent his entire wage (£1500) within a week of being paid. Of course a portion of this went to bills…
-
In the Lowest Hour
In the Lowest Hour..I wonder if I can get any lower. Money ... I'm so reliant I'm so dependant I'm such a fool Sam Smith could have written that for me .. Where do I start?? ..yes that's right by making a coffee ...and having a long hard look at everything .... I know where I am but the denial and longing not to be in my…
-
Any advice? Got myself into debt and I have stopped increasing my balance as of October 2021
I have stopped using credit, cut up my cards, cancelled one of my overdrafts, I would just like to see if any one has any advice about my situation. [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b] Household Information[/b] Number of adults in household........... 2 Number of children in…
