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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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Moved: Feeling a bit judged by Step Change but don't know if it is just my imagination!
This discussion has been moved.
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100k - is not ok!
I have had it with spending and having no emergency fund and the debts are just hanging in there. I need to get an emergency fund sorted of 5k.
I need to get rid of debt. (currently at £94 831 - including mortgages) So lets call this 100k. My 100k challenge - should be fun. Hoping for support and encouragement and dragging…
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Dolly's Diary - 2022 and Onwards
2022 and I've decided it's time to start from scratch on MSE. I've been a previous user for a long time but I am back at square one so closed my old account and started again (same username). Looking forward to earning my badges again! My aim for this new diary is the following; * Be debt free by March 2025 * Have an…
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Embarrassed, ashamed, terrible husband? But trying to do better...
Hello everyone, This is going to be a long post, I apologise in advance, the more i typed the better it felt to get all this out in the open and to write it down getting it off my chest. Thank you in advance for those that stick it out and read all of this and take their time to reply if they do. I'm new here, I have been…
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Debt-busting newbie
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Accountant for personal finance
I've always struggled with money. So I left my finance, with my now ex and he got me in so much trouble that I went bankrupt and he cleared all his debt thanks to me. I can now look back with less anger. Still brings me to the point I am not great with money. I now know its part of my disability. I was doing so well at one…
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Newbie trying to clear debt
Hi! I’m new on here and thought I’d make this post to make myself accountable. I’m a single mum, 33 and feel like a failure financially. I currently have almost £17k in debt over 3 loans and my credit card balance is currently about £700. I have just switched over from tax credits to UC, and because I work I seem to be…
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Keeping Going For My Furbabies
Hi everyone! I had a diary before while I was saving for a new place with my partner, and 15 months ago we completed on the flat, and moved in together. ....just under a month ago my partner walked out, leaving me with two cats, and is now forcing me to sell-up. So, not only do I have the emotional fall out of a long-term…
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Keeping up appearances.......
Welcome to my debt-free diary. I am going to use it to monitor my progress as I start my (very) long journey towards debt freedom. I hope it will inspire me to stay motivated when the going gets tough. Because the going WILL get tough from time to time - I have an absolute marathan ahead of me. Today I have totalled up all…
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No longer in use
Hello all, I've snuck back over from the MFW board as I still don't really feel 'at home' over there, so I hope no-one minds me creeping back in over here. :o I don't really have any debt other than my mortgage, however, I am a single mum to one, now working part time, so have to budget really hard to pay the bills, save…
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Wanna break free from this hand to mouth life !!
Bit about me - 58 year old working full time. Engaged but no wedding plans at moment . My Fiance is younger than me (4 yrs) but is registered disabled,(multitude of medical issues including Chronic Arthritis) and also high functioning aspergers. I have cleared all my debts from previous marriages following tips from…
