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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,…
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System Failure !
Howdy ! A new year pending , and also a new decade. The last decade was 75% approx awful . However , in Nov 2016 I quit everything , due to a strange and annoying condition called Myasthenia Gravis . This is an auto immune and motor neurone condition . Thankfully , it is a mild version and am getting it under control .…
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Getting myself straight
I’ve decided that 2022 is the year I finally get my act together and sort out my finances. I split from my long term partner a few months ago and am now living in a private rental. We share custody of our DS, and he stays with me 3 nights a week. I don’t work due to having chronic health issues, but I’m doing my best to…
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Pickled Kate gets out of a pickle 2022
SOA and post to be updated :) Income: £958.69 Outgoings £721.55 Rent £408.55 Council Tax Gas/Electricity £170 Water £10 Rent arrears £50 Council Tax Arrears £20 Internet £29 Amazon Prime £7.99 BritBox Subscription £5.99 History Channel £3.99 Disney £7.99 Lowell £30 Overdales Debt Collection £4
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well 2021 was the year of change and getting my head out of the sand
Hope no one minds me posting this here, but wanted somewhere to write it down the progress so far and for the future. 2021 was certainly a year of change for me and huge upheaval. Two weeks before xmas 2020 my dad was taken into hospital and unknown to us all (him included) he had very advanced heart failiure, long story…
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Three choices in life; Give up, Give in or Give all you've got!!
This is my 2nd diary on MSE. My first diary, "When I asked for luck I didn't mean the bad variety!!" has to be closed as it's reached over 5000 posts!! It can be found here; https://forums.moneysavingexpert.com/discussion/3911061 In 2011 my Husband had a motorcycle accident resulting in a severe brain injury, memory…
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2020 a year to be mindful.
Happy New Year! So I decided a new shiny diary was needed for a brand new decade. As the title suggests it is about me being more mindful in life and seeing the positives. I have decided not to set any major goals but to live life in a more harmonious way, having had cancer it has taught me to relax, slow down and not…
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Getting back in the black
Hi everyone, I am normally very very careful with money, I haven't had any debt for a while (no car payments or outstanding mortgage etc), but we moved house at the start of 2021 knowing our new home needed work and took out a small mortgage. We weren't quite prepared for how much the prices for things would shoot up over…
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Time to open up...
Having received fantastic advice on my recent posts here, and reading many debt free diaries, I felt inspired to begun my own. I have recently had my light bulb moment. Following the breakdown of my marriage, I ended up ignoring the debts for five years. I have had the war in my head about knowing what I need to face I…
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Midlife Musings and Measurable Goals
I looked back at my MSE diary from 2016. I wanted a dog, a car and a trip to NY. I wanted to be DF and MF. Things change. I am DF and MF and I did get a car, although driving wasn’t all it was cracked up to be so I’m letting it go. I don’t much fancy New York anymore, I prefer rural Scotland. :) I am embarking on creating…
