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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…
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Forever and a week
Hello to anyone who might be reading. Having half heartedly tried to keep a diary before I don’t think I’ve actually had a light bulb moment until now. Finances have never been worse and am chasing myself in circles trying to keep up with just about everything, not just financially. I’m going to keep this diary to sort…
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So near so far !
So it’s been a month since I told my husband about all my secret debt. I’m feeling blah today because I have a week until pay day and £6.25 left of my budget. I’ve been soooo good all month, especially when I’ve wanted to go for lunch or buy a new top I’ve resisted and stayed strong. I’ve cancelled plans with people if I…
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Money: Friend not Fear!
Hello! Well I’ve been away from this site for around 10 years! Lots of things have changed in my life and at times it’s felt as if I’ve been on the world’s scariest roller coaster!!! Financially, I am in lots of debt. I don’t know how much I owe. That’s why I’m back! Change happens from NOW! xxx
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Starting All Over Again
I have spent many years getting myself into debt, paying it off and then doing it all over again. We were okay until i stayed on maternity leave a couple of years ago and thought oh well we have credit cards we can use. Big mistake! Since then we have had the debt but it has been manageable until I realised some of my 0%…
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Debt, debt and more debt.
mmmmmmmmmmm
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Damsel in Debt
Hey! I've been reading lots of people's diaries and it's such a good idea to keep track of things and keep motivated so thought I'd start mine. I've built up just over £10k of debt on credit cards over the last two years. It started from a couple of big holidays in 2019 then crazily has continued to build up over lockdown…
