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Will I ever get to the end?!
Hi all, a long winded post ahead! First time for me coming face to face with my debt, enough is enough and I'm just hoping there will be an end to it all whether it takes years and years! I don't even know where to start, I've always enjoyed spending but I was actually a good saver at one point and very careful. I won a…
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Going broke thinking i'm rich!!!
Hi All, Some of you may have come across me in my previous diary, I hope you will follow along here too as I have decided January is a good time to start afresh! o:) Talk about lightbulb moment, despite all good intentions with Christmas and last year, I am sat here trying to juggle money to cover for a DD in two days with…
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The English Rose goes frugal
Well it's time to de-lurk and start my very own debt free diary. Somehow I've managed to get myself in Aproximately £17k worth of debt plus another £5300 to relatives. It's definitely time to face the music and make a plan to get this paid off and gone. My debts are: £1500 credit card (Maxed out) £2500 catalogue 1 (Maxed…
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Keeping myself accountable
Hi all, I’ve spent the last few years with my financial head buried in the sand, fortunately it hasn’t led to serious problems as I’ve got an ok job … But I haven’t managed to save anything and that has been stressing me out more and more since getting married last year. My wife doesn’t earn much and thinking about…
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In for a penny out for a pound
So a lot has happened since I was last a regular in here. I got married, and I am now separated. I work at my local hospital 30 hours a week over 3x10 shifts and I have also started my own business. My debts have fallen, risen, fallen, risen etc etc. My kids have moved out and moved back. So at present, both my sons are…
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Munchin’s intentionally living with less diary (Part 2 as part 1 crashed and burned)
Hi Diaryland, I disappeared for a bit because life got in the
way and in my previous diary (which I only began at the beginning of the year)
I had said that my main aim in 2022 was to stop my wasteful spending/frittering
and to have both an emergency fund and about £4,000 in a rewire my house fund. Well I set fire to those…
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I am being upgraded from Mum to Nan - I need a plan!
I had a flicker of a LBM back at the end of December 2017 when I realised my debts had peaked at a whopping £28,929.14. Since then I have been trying to live within my means and get the debt down which today stands at £22,263.84. With the exception of the loan for which I am making small overpayments and is ticking over…
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Debt Free Diary
Hello All, I’m some years into my debt free journey however I thought I’d start to share the process in aims to help others or highlight the processes to becoming debt free and reducing high levels of debt. I racked up all of my debt at a young age of 18 through gambling addiction and compulsive purchasing. I believe this…
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F.I.R.E. Starter, the journey begins
Hi, I am new to this but in the last year have been seeing increasing articles in the news about people who have found Financial independence Retire Early (F.I.R.E.) and it’s piqued my interest. I’ve had low mood regarding our finances since returning from Mat. Leave so when my Dad sent me an email with one of these…
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Time to wake up and smell the coffee!
Hi there, After skimming through some of your debt diaries here, I thought I would write my own, if that's ok. Me and DH have had years of debt on and off from 2 Credit cards, an overdraft swallowing up our wages, plus a very account and other bits and pieces. On the advice of our bank that has these 2 credit cards and…
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What are rules regarding referral to a debt collection agency?
Hello, hope someone can help here. I had to move house towards the end of last year last year and, as a result, had to cancel a Virgin broadband contract as they do not supply in the area I moved to. They have since charged me £188 for cancelling the contract which I have not yet paid. They keep sending me reminder bills…
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Spiralling debt
1st marriage broke due to domestic violence and the debt building started from there. It spiralled now and it's come to £35k. Being on maternity leave doesn't help nor my current husband who hates debt. So can't share my problem with husband. He pays the mortgage but I pay all other bills, grocery, child maintenance,…
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The Rural Road to a DF Life
It's gonna be a long and winding one. No point trying to deny it, I am a lot of the time very RUBBISH with money. I spend way too much each month, if I don't have the money I use one of my CCs which I have been doing on and off since I was 18. I'll be 40 in March and I just don't want to continue down this road for the…
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Learning to live within my means
So I’m a long term lurker who used to read the site regularly but dropped off in recent years ...which was incidentally also when my debt spiralled out of control. Funny that! I had LBM and started seriously looking at this last month, when I had £23,167 in total debt over 4 credit cards, built up in only 6 years (which is…
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Cost of Living Crisis
I’ve subscribed to your weekly newsletter for many years now.
I’ve been struggling financially ever since the financial crash in 2008, when I
lost all my work and had just taken on a very high mortgage with Northern Rock! Unfortunately, having been poor for so long, I’ve already cut
back to the bare essentials for most of…
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This time I'm sticking to it!
My OH and I have just under £15,000 worth of debt on credit cards. Luckily the three of them are at 0%. We have very good jobs and bring in just over £4,000 a month but can't seem to kick our spending habit - and this spending is mainly on holidays. Now we're in lock down we keep saying "So glad we got to experience so…
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The Last Furlong
Been round these parts before , just want a home now for the final push to be debt free . Not putting a definite date on it , but roughly around Summer 2020 would be good. I have around £2900 left to go ,not a lot in the scheme of things but enough to keep me on with the budgeting and being careful with the spends . Have…
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Getting myself out of this mess!
I tried to start a diary last year, but never fully committed to it and continued to spend on credit cards. My debt hasn't gone up, but also isn't going down, so I'm stuck owing 31k unsecured and despite paying a large chunk of my wage each month towards debt repayments my situation isn't improving. I've never been great…
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2022 is a new start
Hi all, I’m 32 and live with my partner, no children yet. I have decided I need to start sorting out my finances so that I can get some savings together ready to have a baby hopefully in the next couple of years. Our mortgage fixed term also expires in May 2024 and as we have a HTB loan, we are hoping to remortgage to put…
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Learning to budget and taking control of my life.
So, after faffing around for far too long I've decided I need to make a concerted effort to get rid of the debt I have had, for far too long. My current debt which has been accumulated as a result of me allowing my ex to use my cards which he promised to pay back and never did. As I was on maternity leave at the time I…
