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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…
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Advice to stop spending and app suggestions
Hi all please non judgements id like to cut down on my spending and tend to buy when I’m depressed Ive tried to seek help for my mental health and spending and have contacted Frontline and CAB but they never got back to me There is no counselling I am a carer for my dad and have two young children Is there any trustworthy…
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2020 - 'Nothing in your life will change until you make the decision to change'
I have decided to start a new diary for 2020. 2019 was difficult for me in many ways, particularly with regards to my mental health and so I have decided I would like to wipe the slate clean and start afresh for a new year and new decade. I have been on here for years, tackling my debts with various degrees of success. One…
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YNAB...ing my way to freedom!
Hi, So I have decided to start a diary so that I can stay accountable and log down my journey to becoming Debt free by 33! I am in a bit of a pickle at the moment financially to the tune of £26K worth of debt and I have got nobody to blame but myself! Constantly buying things whenever I wanted, Spending money that I didn't…
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Time to start again!
Good Morning All! After having probably the worst 2 years of my life I have decided to do something about my debt which has been getting on top of me for far too long. As it stands I currently owe around £29K as a result of being silly when young and Anxiety/Depression which results in me buying things to feel better and…
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magicgirls debt free new life
well, after a very long few years, i have pretty much made it but the problem is STAYING debt free. quite a few of my payments are still getting a bit 'late' which is a shame but as i am on maternity leave with no income now, i can't really do much til i am back at work. what i can do, i am doing. i use cashback sites and…
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I am the obstacle and I am the path (to debt free...again)
Hi all...new diary. Been pulled up by my bootstraps. Well, I have pulled them. Over and over again I get debt free, and then have some money and then it all goes again. Back in debt to the tune of £21,169 as of Monday night. This has bene going on for 17 years, and that is long enough, it really is. Earlier this year, with…
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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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Barely treading water
Now I've opened this post, I don't really know where to start! As it's my first post, I'll tell you why I thought I'd start this diary. For the past couple of years, I've been self-employed. Yes, in the midst of the biggest pandemic our generation has seen, and yes, without any savings whatsoever. When I started the…
