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Debt free diaries

A place for MoneySavers to share their journeys towards debt-free living.

The Diary of a reformed Ostrich! (no more head in the sand!)
I confess, I'm one. My husband too, he's always done it whereas my little habit sort of came around when experiencing (still am) deep depression. It seemed easier to just not open the letters, spend carelessly and refuse to think about the consequences. They always say it takes getting to the bottom before you realise what…
daily spending dairy
finaly done it just made a excel diary up of everything ive bought this week and bills ive paid, this is to get me started with my saving anyone else
The Secret DFW Diary of Eamd Aged 13¾
Just joined after lurking around and reading the site. By the sounds of it some people going through similar things to me. I had from what i can work out my light bulb moment a couple of months ago. I had a large credit card balance and they changed the interest rate (they told me it was fixed for the life of the card) my…
Nics DFW Dairy - I WILL be DF!!
Hi guys, I've been posting on these boards for a few days now, and as I can't sleep tonight (check out the time - silly toothache!! :mad: ) I thought this was the perfect time to be brave and start my own diary. Like most of you, this diary is mostly just to keep myself on track and focussed on clearing the debts, but if…
IA's road to happiness.
Hey guys. Yea I know what you're probably thinking.. another diary.. lol. I did have an old diary, but after Ste and I split I gave up writing in it as what I was writing ended up causing more trouble even though I didn't intend it to. So this is now my official 'new beginnings' diary. My mission, to become a happier,…
Sparkyt2 Debt Free Journey 2009!!!
Welcome to my journey through 2009!! This diary is going to help keep me on track for reducing my debt in 2009!!!! At the moment i have managed to run up a huge amount of debt which I am ashamed to say now totals £24,000 mainly on credit cards and loans. Although at the moment I am managing to meet the minimum repayments I…
GTD's DFW Diary - Getting Closer to 40...
Inspired by this fantastic site and all the wonderful people here, I thought I would 'do a diary'. Clearly I've also been inspired by the Oakdale Minx as I'm getting closer to 40 (38 early next year) - I had my LBM a month or so ago and want to just sort everything out! I'm not going to do an SOA yet as I've gone through…
The Giving Up Smoking Thread!!
:eek: This is proper going public, can't go back now :undecided So....I've decided to give up smoking tomorrow to help save money. I spend £5.60 smoking a day and I can't afford it. So if any of you smoke and feel as though you might want to try giving up then post here and join me, more the merrier!! Can't believe I'm…
The 'I want it NOW!!' debt/savings thread
This is a thread for all you impatient people out there-whether it's a debt you want to pay off quickly or something you want to save up for but can't possibly wait another minute for! Theres not a specific challenge, just pop in and have a chat about what you are doing to make that extra cash, put your target in your sig…
The giving up/cutting down alcohol support thread!
There are a few of us who want to give up/cut down & I thought it would be good to widen the net to support each other along the way! For me alch & feeling good for the time I'm drinking & then rubbish after go hand in hand. A bit like drinking & smoking & drinking & getting the munchies! Last year I gave up alch & fags…
Raphael's DFW Diary ~ The beginning of the End
A New Year, the next chapter. I felt the best way to start the coming year was to begin a new thread (New Year, New Thread!), plus I felt the title of the old thread 'Any help welcome' wasn't apt anymore, I did try to edit it but for some reason it wouldn't work.:confused: My aims for 2008 are * Pay off all my Debts * Get…
New home, New Debts, New Diary/Budget
Well I would say on the whole I am now settled into my new home. Still need to get a carpet for the lounge though I am actually thinking of having it laminated. Still need to get daughter's carpet laid, and a small table/breakfast bar for the tiny kitchen. Income £990.88 New household costs £11.65 TV Licence £35.00 Gas…
My road to being a millionaire - I wish
Have been playing at money saving for a while but got back from hols last night and am determined that I am going to do it properly from now on. I dont want to curtail my life to the stage where my kids and I are totally miserable but I dont want my debt to increase and I want to make a huge hole in it. I will not get my…
just starting out ondebt journey
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 849.25 Partners monthly income after tax....... 1240…
rags to riches (hopefully), my diary.
O.k, this is yet another diary but it is hopefully gonna motivate me to go from rags to riches ( well it works for slimming clubs...) My plan: get my debt down by the time my fixed rate mortgage runs out next november, clear all my debt and overdraft, live within my means so not in debt and can save for things i want in…
IA's Lose the belly, bum (and debt) challenge in 2008
Right this is my challenge for 2008. I'm sick of being frumpy and looking pregnant even when my youngest is nearly a year old. So as well as fighting the debt.. I'm going to be fighting the flab as well. I've bought Gabby Logan's Twin results exercise dvd online for £3.59 inc delivery (latest link is here…
My debt-free diary
Hi This is my diary of how I am going to get myself out of debt. First things first- I need to find out exactly how much I owe and who to. I think it is around £5000 but may be closer to £6000. (the £5000 may be wishful thinking!) I have 4 credit cards and i don't even know what the interest rate is on any of them (except…
In Search Of Me's brand spanking (behave SS!) new 2008 diary...
Well the time has come to put the old diary to bed and start afresh in a wipe the slate clean kind of way. Last year didnt go as well as I would have liked on the debt busting front. Partly due to £600 vet & £600 boiler bills...I am obviousy jinxed by the number £600! So I start the year theoretically just under £29,000…
My Shiny New Diary!!
:A Hi Everyone:A Thought i should redo my diary, as i fell of the DFW wagon, and now need something to keep me going! :T My debt is just under £10K now, i owe HSBC for a loan and a credit card, but mainly I owe my mum £4750. She helped me get out of debt last year, but i didnt cut up the CC and then got myself into more…
Elantan's enjoying her excellent adventure
well as i'm sure some of you will remember i am debt free now ...or should i say i was debt free.... for some reason :confused: i am back in the red only with my overdraft so far.... but is it a slippery slope? so..... i have decided to start again i am going back to keeping the spending diary and try not to waste money (i…

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