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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…
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FTM on a mission
Hi everyone, I have been a member for quite some time and a lurker for even longer. Had a few debt free diaries previously and managed to become debt free and buy my own house back in 2017 with the help of inheritance. Spent the rest of it doing the house up. Fast forward almost five years and I’m still living in the…
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Wow wee oh my - trying to hack away at my £54k debt (was even about to book a holiday)
Edited - thanks so much to enthusiasticsaver for your message. Reposting this as had to amend username and some info. Hello and thanks in advance for any help you are available to offer .... Wow where to start?! I am almost embarrassed to share my story but I am a 40 year old lawyer (so bankruptcy and other debt…
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From surviving to thriving...
Hello everyone. I'm starting this diary to try and create some accountability around paying off my debt, hopefully for good this time. A little background: I'm in my mid-/late 30s, live in Germany with my husband (both originally from the UK) and am a freelancer. We're also expecting our first child in the next few weeks.…
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Mountain to climb
Hello, I'm making this post as my other half and I have quite a lot of debt and also really struggle with managing our money and I'm hoping by sharing our situation and struggles with the community here it will help us to keep focused. It's something I feel quite a lot of shame and embarrassment about as I'm going to be 40…
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First response received - on the way!
Good morning all. I've been in a DMP with Stepchange for a number of years, I am in recovery from gambling and drug addiction (3 years and 2 months sober!) and obviously had a lot of wreckage from the past to clear up. At my current payment level I was looking at around 9 years to be debt free. I have been at my current…
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On the road to becoming debt free
Afternoon All, Just thought i should create a post about my journey to becoming debt free, hopefully it will end up helping people do the exact same thing. Also some people may be able to help me get there a lot quicker. So the start of 2021 i had a £17,521.70 of debt, then an additional debt of £10,000 to parents and an…
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DST Debt diary
Just a note to myself and any friendly ear that’s listening on my debt repayment story. I grew up in a poor family, managed to get away to the bright lights of London. Got a good job, some savings but then went off the rails after a bad relationship break up in 2013. In a new relationship now, still in a good job but…
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Time to sort our life out
Well, I've sat on the sidelines for long enough, it's time to sort our life (and debts) once and for all. We've always had a difficult relationship with money, never earning enough to be "comfortable", and as time has gone by we've just added to the list of unpaid debts, as our circumstances (and priorities) have changed.
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Virgin media broadband
I've been with said company for years and the bill is just going up and up, no loyalty deals nothing. Question if i go to a different company ie BT, do i have to change my tied email address by setting up a gmail account and go to all my different accounts setting and just change setting to new email?, or do i have to get…
