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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…
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Time to work towards our future
The time has come to face my debts! I am lucky that I have always been able to pay my debts and never saw them as a hinderance, until I became a single parent and a University student... I don't want to finish Uni riddled with debt and want a fresh start when I start work to be able to start saving for a house deposit and…
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A Much Needed Wake Up Call...
Hello there to anyone who reads... This is my first time posting anything like this, all following a frank heart to heart with my SO earlier on this week, when at one point during the day there was a very frank possibility of us separating. As it ended up, we're both doubling down on our efforts to not neglect each other…
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Help
I have about £11000 worth of debt. This includes a Halifax loan and a few credit cards including Aqua. I paid the £3500 balance on Aqua off a year or two ago and have got it back up to where it was again. I have missed one or two payments but only by a day and have always ended up paying. I’m now finding most of my wages…
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Getting out of the vicious circle
I was here a few years back. I can’t for the life of me remember my old password and no access to the email account linked so here I am again as the title suggests with a brand new diary. 5 years ago I cleared all my debt, however I’m finding myself falling into the same bad habits and need to curb it now before I’m back…
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100 Small Steps...
I have been in debt my whole adult life. Just generally being silly in my 20s, going on holidays and over spending without a single thought of saving a penny! At it's highest point it was around 21k and this was at at time when I was barely earning anything as I was studying and only working part time. I worked hard to…
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Getting my s**t together by March 2026
Right time to get a good old grip of myself stop overspending, pay off my CC's and get some savings under my belt. I'm 38 and have good bouts of being really sensible with money but then I completely ruin it in a matter of months and it takes me years to recover from it. I wouldn't mind a whole lot if I had a lot to show…
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My struggle with debt
Hi all, I'm sorry for the long post. Any advice will be greatly appreciated. I am really struggling. I live in Scotland. Currently on Universal Credit. Single mum of a 6yo. My debt is as follows: Amex credit card - £3300 (currently making minimum payments of £120 a month) Benefit overpayment from 2015 - £1500 (currently…
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How to record Balance on Spreadsheet
Hi All - I recently took out an £18,000 loan with Tesco Bank over 7 years. I have logged on today to see that the balance I owe is circa £27k. I understand that this is because they have added all the interest on at the start - obviously if I were to (fingers crossed) win the lotto tomorrow and pay the loan back in full…
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Facing up and time for action
I've been following some of the stories and progress of other folks on here for a while, so thought it was time to sign up and set out my plans for getting my overspending and my debt under control. In June this year I was carrying £72.1k of unsecured debt across two consolidation loans (!), five credit cards, a store card…
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Oops I Did It Again
After being debt free once you'd think I would have learned...but no, I've done it again. The light bulb moment arrived in 2020 but it's taken me a little whle to get organised as I want to sort out my house as well a my finances. The lightbulb moment was early 2020 when I realised that if anything went seriously wrong…
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Here’s to the future...
Starting credit card debt (combined) was £37488. Current debt: £35285 (-£2203 6%) It was a shock when we tallied it all up. It is a mixture of our recent wedding and being completely frivolous in our 20s. It’s now time to face the music as we want to start a family and so the debt life has got to stop & be cleared. I’m…
