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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…
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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…
