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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…
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The Final Furlong...
Hi everyone, I just wanted to share my debt story so far. I moved abroad around 8 years ago for a year and decided to stick around. Unfortunately, I moved with debt which steadily went up as I had and still have a variable income. I used debt to cover the lean months. This peaked in September 2018 at around £11k across…
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New life - debt free
So it appears I am separating from my partner of almost 14 years. Things are very amicable and I hope they will continue to be as it's going to be some time before we can go our separate ways. We have a house with a mortgage - the current thinking is he will buy me out as I can't afford to buy him out. Then I will buy…
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Taking back control
I'm a married mum of 3, I work full time, husband works part time with health condition and 3 children, 1 due to go to uni in september and 2 others at secondary school. I've been a lurker on MSE for years and became debt free in 2018, however when Covid hit myself and my husband were both hit hard as relatively newly self…
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Admitting my mistakes
Hi I went on maternity leave and was lucky enough to have a Sabbatical year after. However I missed money I’ve never been good with money always spent more than I had. This started when I went to university. My husband has no idea I’m in debt, I got a 2,500 loanto pay off our joint credit card and then still have managed…
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Don’t know where to begin.
So I’m in approx £30k of debt. Credit cards. The husband and I have both spent on them over the years though not just me. I cut corners every month, try to avoid spending luxuries. I’ve not bought any clothes since before Covid. My only luxury is getting my hair done every 8 weeks. I’ve tried paying more off the cards but…
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Budget 2022 junk free diet
Hello, I'm going to try and stick to a budget this year. A bit about me: Moved into first owned flat 2.5 years ago. It was a complete dump with no kitchen so I've nearly finished off paying £7k for a new kitchen. I was renting for about 12 years before then and spent 60% of salary on rent 😱 I've not had any spare cash to…
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My journey to a better debt free life
So, Christmas is by with, Time to focus on me and the debt. I don't get paid for another 2 weeks and am kind of low on funds. I have £1600 of debt that I want at LEAST half-cleared by December this year. It would be too ambitious of me to say all of it cleared as I don't earn enough to pay out more than £100 per month. The…
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Decrease debt or make savings
Hello, everyone! I'm not very good at managing money. I have around £4000 in credit card debt and £1000 in savings My tax return is expected to be around £2500. Should I use all of it to pay off my debt or shall I pay the debt from half of it, and save the other half?…
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Life is not a rehearsal- time to take back control........
The title of my diary pretty much sums things up for me at the moment. I recently turned 40 and with it came the realisation that this is it! There’s no dress rehearsal - I need to stop putting life on hold until debts are paid off, until my son is older, until I have more time etc. I need to start trying to live my best…
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2022: maybe this’ll be my year
Hello everyone I have been a member here before a long time ago. I am in a place where I really want to tackle my debt and I’m going to start with some intro about my past and how I got here. I’m in my late thirties and I’ve been in debt since I was 18 and went to university (all credit cards). I paid over £15k of credit…
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Missy’s family of 4, paying off debts, saving for a house and just trying to survive!
Hey everyone! I thought I’d start a new diary as my focus has changed slightly, link to old diary is here: https://forums.moneysavingexpert.com/discussion/6078055/family-of-4-paying-back-50k-in-4-years-whilst-trying-to-live-eco-friendly#latest So a quick background. I’m 38 mum of 2 (May who is just 7, and Roo who is 8) and…
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Munchin’s intentionally living with less diary
Hi diaryland, I’m back again and hoping this diary will keep me on the right track to cut down on my frittering which is still an issue. So I’m a bit early for 2022 but I’m easing myself into it gently because I want to by the end of 2022 have my wasteful spending/frittering under control and to have both an emergency fund…
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Two years to debt free! Let’s do it
I’m very new to the site and want to start a diary to get my targets down and keep the focus going: A single mum with two grown up children you would think I’d have it sorted but noooooooo. I’ve borrowed to support education and quite frankly I spend to cheer myself up so it’s time to get this thing under control. Debts…
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Lifestarts has a 5 Year Plan!
Hello Everyone! I'm a long time lurker on these boards - I've probably been hanging around here for about 15 years & had a couple of different usernames over the years. OH and I have a fair amount of debt between us however it is debt that has been taken on knowingly (if that makes any sense) with a plan to pay it off. We…
