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Dolly's DFW and Beyond Diary
New year - new diary. Say this every year but I really am aiming to keep this one up to date with all the highs and lows, unexpected and expected expenses, needs and wants, splurges and saves and everything in between. My aim for this new diary is the following; * Be debt free by March 2025 * Have an Emergency Fund (EF) *…
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Debt free before August 2023
As the title says really, my debt free date is August 2023, however my aim is to beat that! I've ummed and aah'd over starting this diary, I need something to give me a boost and some accountability, but I don't really think I have anything interesting to say. My debt is large (smaller than it was) and is taking a long…
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A Pretty Good Day!
Hello - I've never done a dairy before so this might be an interesting experiment ;) I'm 52, married with two DS, one still at home, the other moved in with his girlfriend about 15 months ago but we see them regularly. My husband and I both work full time, my business of 18 years failed during the pandemic leaving me with…
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My light bulb moment and the start
Hello! I'm posting on here as I've had a read through some diaries and it's so nice to see the support on these forums and the reassurance that I am not alone. To be brutally honest, this isn't really my lightbulb moment, I've known for some time that something has to be done about my debt. But I've not been in the best…
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Slipping Through My Fingers
No, I'm not talking about the ABBA song that makes me cry every time I hear it, this is about my money:( I'm the most technologically challenged person, so I'm going to post this and check it's working before I launch into a long winded waffle. :)
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£18.3k end in sight
Finally years after first reading on here in 2012,i took charge of my debts of £18.3k, I have £799.88 left,DMP finishes on the 28th May!!! I cant stop smiling,just kept plugging away on my DMP and end is in sight. Just to put it out there,that it can be done. I have been that used to paying it and living within my means,i…
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Slow and steady....
January sees my £7k kitchen loan paid off It's such a weight of my mind and now I can start saving. Although it is a bit miserable starting at the beginning as the savings are small, and it takes ages to build. But everything worth having takes time.
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Keeping motivated
I would like to keep a diary to keep myself debt free more healthy fitter and more motivated
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Doing it for my girls ……..
I am laying here in bed listening to my girls. DD are 16,13 and 6. Don’t judge me I know they should be asleep by now. BUT 16 and 13 year olds are actually being nice to each other and Playing a game together and 6 year old is tucked up in her own bed (has taken a lot to get her into her own bed!) and is reading away to…
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Home for Five
Hey all I'm shiny and new here, but need to do something to stop messing about and achieve some goals in the years ahead... so here we go with the productivity and accountability! I'm 35, married and a mama of two girls with another on the way. I am sh*te with money and always have been... we're in a rented home that we…
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The thigh’s the limit
Hi there. I’ve been reading the forums on and off for years, started and abandoned a couple of diaries, followed a few inspirational forumites and occasionally contributed. Reading the amazing support offered and the well-meaning backside kicking has made me decide I need to start a diary of my own and write entries to it…
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Time to start a fresh.
I've been on the MSE forum a while. I've always known I was in debt but pushed it to the back of my mind, convinced I don't owe a lot. Been in debt since I was 18 maybe earlier.. Roll forward to last year, paying minimums on CC and loans, still convinced in my head that I don't really owe a lot.... WRONG! I've managed to…
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Looking after the pennies
Hi All, After long time lurking under a different account (deleted previous email) I have decided to hold myself accountable by creating this DFD. In the last year I have come a long way, but still have plenty of room to go. I got in a horrible mess with payday loans whilst on maternity which is now a thing of the past and…
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First week going OK
I've had a good first week so far. I've pre made breakfast and lunch for the next day so I've not been tempted to buy anything at lunch. I've set up my six accounts (4 saving and 1 main, 1 weekly spending) and the first transfers went in them today. So that was nice to see. I saw some friends yesterday and I only spent £10…
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My debt free diary by end of 2021
Welcome to my diary. After reading loads of peoples diarys I thought I would give it a go for motivation for myself. So here it goes, my current debt stands at £14,450 on a loan (Was £15,500 in december) im paying every penny spare over to my loan and hoping to be debt free by the end of 2021. I do have £1000 in emergency…
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2022 - New Home, Same Problems
After spending ALL of our money on our deposit and removals, and solicitors fees after buying our first home (yaaas :smiley: ) We are £9k in debt. That seems fine, that seems reasonable. I thought we'd be able to turbo pay this debt off but it's just not happening. I enrolled on an OU degree which is self funded, and I…
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Time for a plan
Hey all, I do want to preface that I am not making this diary as a way to brag, I am lucky I am where I am and I know that some people are in a worst situation than me. I don't really have debts but I am having issues controlling my finances. I graduated last year and got a job that pays quite well, however, I am…
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£23,690 to clear
Welcome to my new diary, I've been around years but starting afresh. This username was an account I set up to post for support so my husband wouldn't know, I had permission in 2008 to have 2 accounts on here. I just re-read my posts from 2008 + 2009 and all the bad times came flooding back and make me feel sick. I am…
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Polly's new life!
I don't have much in the way of debt, a few items on 0% credit cards which I bought for the house. But I seem to constantly be worrying about money and paying for things. I'm doing okay at the moment and overpay the mortgage as much as I can as my fear is that I will be out of a job and once that happens, I have no clue…
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22 years old. Struggling with Debt. Need advice!
I’m 22 years old and due to a lack of intelligence and maturity from 18-22 I have fallen into £4000 worth of debt. My mental health is taking a massive beating and I just want a clean slate now. I make £1000 a month but after bills I probably have £600/700 left. Can someone please offer advice. I have nothing to my name,…
