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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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Porridge for breakfast
So – back after a looong absence & need to take charge of finances again rather than just drifting along. DH’s job depresses him – really depresses him & an ideal scenario would be that he could give up that job & get a small part time one to make up the difference that we need to keep on the straight & narrow. My task –…
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Debt Free Diary- 2 year target
Hello, I am starting a diary to try and keep myself on track and focused to clear credit card debt. I currently have £13,500 over 4 credit cards- All on 0% deals until 2023. This is the most debt I have ever been in, and its from an accumulation of living beyond my means for the past few years, and a slight gambling…
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Damsel in Debt
Hey! I've been reading lots of people's diaries and it's such a good idea to keep track of things and keep motivated so thought I'd start mine. I've built up just over £10k of debt on credit cards over the last two years. It started from a couple of big holidays in 2019 then crazily has continued to build up over lockdown…
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On the road to becoming debt free
Afternoon All, Just thought i should create a post about my journey to becoming debt free, hopefully it will end up helping people do the exact same thing. Also some people may be able to help me get there a lot quicker. So the start of 2021 i had a £17,521.70 of debt, then an additional debt of £10,000 to parents and an…
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Time to work towards our future
The time has come to face my debts! I am lucky that I have always been able to pay my debts and never saw them as a hinderance, until I became a single parent and a University student... I don't want to finish Uni riddled with debt and want a fresh start when I start work to be able to start saving for a house deposit and…
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FTM on a mission
Hi everyone, I have been a member for quite some time and a lurker for even longer. Had a few debt free diaries previously and managed to become debt free and buy my own house back in 2017 with the help of inheritance. Spent the rest of it doing the house up. Fast forward almost five years and I’m still living in the…
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Over the Rainbow and Quest for a Unicorn
Time for a shiny new diary! It's been so long since my last post in my old diary that it appears to have been closed! Link to old diary here! https://forums.moneysavingexpert.com/discussion/4590301/over-the-rainbow-and-happy-ever-after I haven't posted in 4.5 years! It is so inspiring to come back on MSE and see that…
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Time to sort our life out
Well, I've sat on the sidelines for long enough, it's time to sort our life (and debts) once and for all. We've always had a difficult relationship with money, never earning enough to be "comfortable", and as time has gone by we've just added to the list of unpaid debts, as our circumstances (and priorities) have changed.
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Trying to get back to living my best life
After paying off my car finance in the middle of last year to become debt-free I have spent just over a year trying to save hard towards a house deposit. However, living in the south-east, in a town that is one of the best-connected to London, prices are jumping up so much that I can’t even afford a one bed flat in my…
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A Much Needed Wake Up Call...
Hello there to anyone who reads... This is my first time posting anything like this, all following a frank heart to heart with my SO earlier on this week, when at one point during the day there was a very frank possibility of us separating. As it ended up, we're both doubling down on our efforts to not neglect each other…
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Facing up and time for action
I've been following some of the stories and progress of other folks on here for a while, so thought it was time to sign up and set out my plans for getting my overspending and my debt under control. In June this year I was carrying £72.1k of unsecured debt across two consolidation loans (!), five credit cards, a store card…
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Be badass or go home (Jen Sincero)
DFD Credit cards £12750 Overdraft £2500 Mortgages £200,000 Personal loan £90000 Total £305250 Income £52500 before tax 2 Properties value £700,000 My debt is really affecting my daily life. I grind my teeth in my sleep and can’t tell my family how bad it is. £190,000 of this debt is owed to family, 15 years to repay.…
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Payplan- a success story.
Long story short and one that I guess is very familiar, I got into trouble when I was younger, hard. I guess I was never really taught about money and hit credit like it was going out of fashion during the payday lending boom a few years back now. I had been in denial for years, a familiar story of borrowing from one…
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First day of the rest of my life
It's taken me a while to realise that I need help/support/kick up the butt with my debts. I thought I could keep everything on track, and that I had a plan... a good plan! Well sadly that wasn't to be, as mental health took a turn for the worse at the beginning of the year, and instead of my total going down, it was going…
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DST Debt diary
Just a note to myself and any friendly ear that’s listening on my debt repayment story. I grew up in a poor family, managed to get away to the bright lights of London. Got a good job, some savings but then went off the rails after a bad relationship break up in 2013. In a new relationship now, still in a good job but…
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30s_Suffolk_Lass DFD
Hi All I've decided to start a DFD and am also after some opinions on how I should proceed with my financial situation. My heart says one thing but my sensible head says another! The story so far: - I currently have a bank loan which stands at £24,700.24, including front loaded interest. The original loan was £25k with the…
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Isca's ramblings on the path to being debt free
Hello money savers. I want a place to record all my thinking, ideas, actions and progress as I meander along this path to paying off my debts. They are much smaller than they used to be and the end could be in sight, but for some reason that makes it harder to focus! Current CC debt: £2915.71 Other debts: Car payment due…
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Give me some motivation! Feeling embarrassed and down about debt!
Posting here to finally face the music. My lightbulb moment has been having my baby girl. We borrowed money on credit cards and overdrafts to do up our home, and I’ve since had 6 months of crippling maternity pay. I’m losing sleep now over our debt. We’re able to make the payments on all our debts, and we’re going to start…
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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…
