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My journey is over after 20+ years
2 years ago, I decided that it was time we made a concerted effort to pay off our debts. CC. and bank loan. So everything was cut to the bone, monthly menu made up from what was in the freezer and cupboard. Every little bit of extra money went in overpayments to the loan and the card. It took me over 12 months, but managed…
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Starting to see progress ...
Well, I thought I would post our progress , hopefully to look back in a year or two and be an accomplished debt free family :wink: So after adding everything up around the time of our wedding last year , I was shocked to realise between us we had £28972.22 in debt , not just wedding stuff , the odd credit card and…
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The start of (hopefully) a debt free life
Hi all, I am new here. I wanted to start a diary after lurking here for a while. I've been in debt a few years now (since uni) and I'm finally ready to tackle it head on, and I need to, badly. I am currently £3,866 in debt. It all began at uni when I took out an overdraft because I'd spent all my student loan within weeks.…
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Onwards and Upwards - Next Steps!
Hi all, I’ve been a member since 2018 and these diaries used to be an incredible
amount of motivation and support for me. When I first joined around October
2018 and started my diary (if anyone is interested https://forums.moneysavingexpert.com/discussion/5907732/curbing-my-impulse-spending/p1), my debt was at £6967.79…
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A fresh start on the long and bumpy road.
I've had a couple of diaries but I haven't updated properly for a while. After some big changes I have decided to make a fresh start. I struggle with mental health issues, anxiety, depression, agoraphobia... and I am again off work sick, been off just over a week. I was off for 9 months last year, I went back on very…
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*Elby's Debt Diary
Hello everyone, Well I though the hardest part would be building the courage to post on here - turns out it's thinking of a name for my diary. I've failed with anything unique, so let's hope the debt plans work out better :smiley: I have been actively working on reducing debt (paying more than minimum) since about February…
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Down with debt
Well after a lot of changes and things happening I fell off the debt busting wagon for quite a while, my old diary was long forgotten but now things are as good as things can be during this time and I’m back on it. I have got rid of a bit of debt during this time but not huge amounts and at least it’s not increased so…
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Looking for my willpower...
Hey all, After getting some advise on here a couple of months ago, I seem to have spiralled backwards in a bad way. I finally thought I was getting somewhere but I obviously haven't. I have been reading a lot of these diaries over the past few weeks as sleep has been very little as I have been worried. I have bad mental…
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Hiding my debt from my wife
Hi, I really dont know what to do, im in debt and my wife doesnt know. I have a loan with tesco totaling around £12000, a loan with nationwide of about £8000, a credit card with £1200 and another HSBC which i did as a balance transfer which is about £1000. Its all consuming at the minute and I am at my lowest point and…
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Getting out of the vicious circle
I was here a few years back. I can’t for the life of me remember my old password and no access to the email account linked so here I am again as the title suggests with a brand new diary. 5 years ago I cleared all my debt, however I’m finding myself falling into the same bad habits and need to curb it now before I’m back…
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Finally i’m debt free!
This feels like a slightly odd post to be putting as my first ever post on this forum, however it also feels the perfect place to share my story. I’m Dave, i’m 27, and for the past 7 years I had been in debt, it all started in 2013 with a credit card which I got solely as “protection” for going to Las Vegas in case of…
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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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Just turned 30 and decided I need to sort my life out
Hiiiiiiiii Please be gentle, this is my first post :) Below is my SOA to give a little background Household Information Number of adults in household3 but i am in house share so 1Number of children in household0Number of cars owned 0 Income, Expense, Debt & Asset Details IncomeAmount(£)Monthly income after tax1600Partners…
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Sept 2021 - The debt free longstop
Hi all - a few of you might have seen my original post on DFW, that can be found here: https://forums.moneysavingexpert.com/discussion/6108143/help-with-cc-debt-please-general-advice/p1. I thought this would be a good idea to keep track of things and to stop annoying everyone by bumping up my original post :) Also, I can…
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181k in Debt - Need Help
So, I guess this is the start of my debt free diary..... Oh boy, I just worked out my debts and I cannot believe how much I owe. I bought a house within the last 6 months, I've done the house up and it's now worth £65,000 more than we paid for it. The plan is (and always has been) to do the house up and remortgage in 12…
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Millionaire in training has a new name
Hi folks. I haven't been on here in a long time. I can't even get in to the account I was using most recently. So I am going to look at this as a fresh start and get my life in order once and for all. I'm a single 54 yr old female. I have two grown up children who still live at home but both wanting to get their own…
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A little scared but ready to make a change
Hi all, So I guess I'm not too sure where to start. I'm 26 years old and I am about to start a Debt Management Plan. My finances have gotten so out of control that, for the last 3 weeks I've felt very much like I am spinning out. I am just finishing up a Master's programme at university and, when my student loan stops, I'm…
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Freedom 2030
Hi all. Thought I would start a diary now I'm starting my DMP journey. I've done a lot of reading on this forum and have decided to self manage the process. My spiraling debts (almost £40k in total) span across several credit cards, the earliest being in 2006. I am a self employed sub contractor and have a steady reliable…
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2020 - New Job, New House & Debt Busting
Hello, I've created a new diary since a lot has happened in the 8+ months since I last posted on my old diary! A quick summary: I've got a new partner, I've moved house (and county!) and I'm starting a new job as a receptionist on the 16th March. The new job is only part-time of 22 hours per week but with an adequate…
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The Globe’s reducing the debt 2020
Hi all, I’ve been a long-time lurker and used to post on the boards very seldom years and years ago but always pop in and have a nosey. I’ve had a small moment of courage and I’m making this diary to try and track us as a family getting on a better financial footing after a good couple of years of overspending (some…
