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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…
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Hazelnutty's recover and rebuild plan for a happier, simpler life!
Hi all! Just before lockdown, I moved with my OH and DD to a new city and a fresh start - partly to be close to an amazing hospital which OH needs for a lifelong condition, partly as DD's Dad lives there so it brings the family closer and partly to be a more diverse, interesting place with more going on. We've had a rough…
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Sorting finances out in 2022 for good!
Hello everyone.. I'm back again! I've previously had diaries on here but lost my mojo a bit, with covid and personal circumstances. I think when I last posted on here my debt was just under 6k, it's now at £8,506.32. This has gone up mostly due to using credit to survive whilst waiting to start my job which took much…
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Making changes 2021
It's an early payday today. As it's technically the money for next month, I feel as if today is the start of the new year, so I'm starting a new diary :smile: I know 2021 will bring some changes to my life, and I'm hoping they're for the best. In the meantime, I need to be saving as much as possible. I'm finding it a bit…
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Balancing not just the budget
Well it's been more than a few months and I seem to still have more than a few questions, so I think it's time for a new thread :) (The old one is here https://forums.moneysavingexpert.com/discussion/3629199)
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The Final Furlong
Well here we are, The 1st of August, what better time to start a new diary? I have just turned 61 and live alone with children having flown the nest years ago. I'm currently working 3 days a week teaching at a local college (just reduced from 4) and would really now like to be able to retire in the near future however am…
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Once a spender, always a spender?
So I paid off all my credit cards about 18 months ago, 12 months ago we cleared any joint debt excluding the mortgage. I went self employed and we built some savings (approx 2.5k between us). This is money we don't touch, but don't really add to anymore. Lately I've found I don't have a penny left very early in the month…
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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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DD's accountability thread
Here we go again - third time lucky. I dare say that from 2006-2014 I was almost constantly worried about money. I then changed to a better paid job (which I love) with numerous benefits and a bonus scheme, yet I've still got two credit cards and a loan - lets ignore the student loan. It's not that often these days that I…
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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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2022 will be my year to be debt free!!
I have been AWOL for so long from here but I have been working hard to pay down my debts. Down to the last two and £3226.58 left. I am going to try really hard to get this all paid off this year and finally be debt free. This years been a bit weird for me as my daughter went off to university and I'm getting used to being…
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Chubby Keto lady working towards Debt Free and Healthy Frugal Life!
Hey there! I just logged into my account and found my old debt diary from 2015. I did pretty good and my last 2 ccj's disappear before the end of the year and let's face it 2020 has been poo and I think its time to focus on my finances again. Rereading it has inspired me to start 2021 afresh and to start now to get myself…
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Debt free journey
Hello Everybody, I have been lurking on this site now for years and have read a good few diaries over the last couple of years. I have found them amazing, with some really good ideas and they are so encouraging it is unbelievable. Thank you everybody. I will tell you the background to how I have found myself in the…
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Prosperous soul in the making
So a little about me... I have been on the forums before but have had a gap for a number of years. Unfortunately I have a serial debt habit and at times have cleared debt only to restart. Debt excluding mortgage £46554. :eek: This does include two car loans which between them account for about £26835 of this. This leaves…
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Countdown from £28k...
Hi all, Have decided to start a debt free diary. Have dipped in and out of the forum in recent times and have had quite an extreme change in circumstances that enables me to make a big dent in the debts quite quickly if I'm focussed. Moving back home I have no bills or rent to pay, though my spend on travel is higher…
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Final steps to debt freedom
Hi all, As the diary suggests I am on the final phase of my debt free goals. I found out quite quickly that throwing a high amount of money at the debt and having a small sum of disposable income doesn't work personally for me. I’d often pay £600 a month (pre home ownership) but then spend some (at least £300) of it back…
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The road to victory
Hi All, After starting a thread in the main DFW forum and getting some great help some weeks ago, I've been lurking a while reading many of your inspirational threads. It's really helped, so I thought I'd start one myself. I'm over 30 now, and in the unfortunate position of around £15,000 debt. However in the fortunate…
