-
6 years...the count down is on
The 6 year time frame is for the defaults to drop of my credit file. Credit cards: 1892 Loans: 5369 Catalogue: 2507 Overdraft: 1176 TOTAL: 10944 Defaults: 9 I am going down the cca/unenforeable/sb route and have paperwork ready for a DMP once they come calling. I am 1 year into SB already and have been told one cca is…
-
Taking one step at a time-after death, before birth
This is my 3rd diary on MSE, unfortunately not the one I was hoping for. Over 2 months ago my lovely fiance passed away. He was only 35, we were together for 8.5 years. He had a routine operation back in January and gradually got worst and worst afterwards. He went back to Poland where he was originally from to seek…
-
Debt free in 18 months!
Hi all, First post here, but I know full well that I would have LOVED to read something like this when I was in the depths of my problems which I hate to say were entirely self caused through poor financial planning and over reliance on credit once my income fell below the level I was previously used to. I won't go too…
-
Daisy's debt rambles
I wasn't sure if this was the right area of the forums for me, but ultimately, I have debt I do want to pay it down and eventually be completely debt free and work towards eventual (long long loooong time eventual) mortgage freedom and maybe, if I say it quietly enough, early retirement. In terms of debt busting, I (we)…
-
My debt free diary (and first post)
Hi all, I joined this forum a couple of years ago but never posted for whatever reason. Today as I've started paying off some debts, I thought I'd use this as an opportunity to hold myself accountable to paying off some debts. I don't think I'm in the worst position, in fact I'm in a pretty good place despite having some…
-
Here we go 2021 💥
So I need to get a grip with my finances. 💰 2021 will be my year I get them organised. Thinking of using YNAB to help, along with Dave Ramsey & good old fashioned pen & paper. For now I'm just going to write down any thoughts I have here as I've paid all my bills this month, so I can start this for 2021. PW ✨
-
It's not all about the debt anymore........
This is not my first debt free diary (last diary was called new diary, new hope) but I have decided to start a new one, mainly because my outlook on life and debt has changed immensely over the past three years and I would like my new diary to reflect the person I am now. A little bit of back ground.......... My marriage…
-
Picked up the courage - DFD Sept 2025
After reading diaries for a year, I finally found the courage to start my own. Other than the mortgage £211k 🤪, we have one loan of £14k (£15,405 with interest) to clear. Don’t have lots of spare cash currently to overpay but going to build up anyway I can, then send to loan when possible. Current monthly payments are…
-
Young & Dum
I have struggled with money from the age of 18 and am
currently 25. I am trying to get my act together from now on. I make good money
but have been very bad with managing it. I think my first aim should be to
create a £1,000
emergency fund instead of paying off the debt. What do you guys think? To get to a £1,000 emergency…
-
Light at the end of the tunnel
I just worked out I have £76,486.69 so I’ve decided to start my own debt free diary and I will be doing everything I can to resolve this. Felt so damn awful about this for so long and it is time I take action. It’s like I woke up and said this isn’t God damn good enough anymore. This doesn’t work for me. This ain’t gonna…
-
A new outlook.
Hello everyone! I've decided to start a new diary for the last slog of my debt free journey. I've had diaries on here before and reading back through them I can see what a neagtive mindset I had around money and how to deal with it. When I started this journey in 2017/8 my total debt was: £15941.42 My current debt total…
-
Our £20,000 Life
Hello anyone and everyone! Well, I feel mightily ashamed. Poor choices, bad luck and general "well, we'll worry about it next payday" has left us in a mess. When we bought our home we were close to being Debt Free, and now look at us! We had to scrap my car recently, and we did purchase what I think is a sensible and…
-
Overwhelmed, lonely and constantly broke
Hi everyone Well it's exactly what it says in the title; I am all of the above. And why? I really don't know The same thing just happens over and over again ever single month. It gets down to the last week and there is nothing left. I pay my bills on time. I put aside money to pay off my credit card and then I have nothing…
-
New goals, new diary
Hello! Thought I'd start a new thread, though I do feel attached to the journey my old diary saw me through! Really can't imagine having saved for our house the way I did without the help and accountability of this forum, and that diary. So last time I was keeping a diary here I was saving to get a mortgage for my first…
-
Debt Free by 40
Good afternoon MSE, It's a new year and like so many the new year has brought with it a LBM for me. It kind of flickered on a couple of months back, and I made a start, but I had a relapse... Now I've truly seen the light and this year I'm sorting myself out and over the next few years I'm sorting out my debts. I turn 35…
-
Finally Debt Free with (small) savings
Hello I just wanted to share with you that I have now been debt free (apart from my mortgage) for two weeks, and even have some small savings. I have been in tens of thousands of pounds of credit card debt constantly for almost 30 years. So this is a big deal for me. I haven't been a regular contributor on here for a long…
-
Slow progress but the journey continues...........
So here I am back again after 2 years away from MSE - lost access to old user name so a new shiny username deserves a new shiny diary. I first started coming on MSE about 10 years ago would make some progress stop posting for a while and come back with the debt even bigger than before. At the last light bulb moment…
-
Becoming My Own Best Friend Instead Of My Own Worst Enemy
Hi there everyone! I came across this forum whilst searching for wanting to be debt-free and I have spent a few days browsing other diaries before deciding to sign up and start one myself :) My diary name came about because at the moment I feel like my own worst enemy - I set a budget, I don't stick to it. I clear a credit…
-
Bailiff Related Advice
Perhaps the wrong forum to the bringing this up on, apologies if so. June 2019 a friend of mine needed help moving house. He can't drive, I can, so we rented a van in my name. We go through Dartford Crossing, he forgets to pay the charge, logs in a few days later and pays the amount requested. He paid £6, as I understand…
-
Debt Free by 60
I guess I hit a lightbulb moment in August on my 55th birthday that I didn't want to be still in debt with my own personal debts when I reach my 60th. My total personal debt on 21st August 2019 was £11.024. On starting this diary, my Nationwide loan balance was £7,682 (3.2%) and I have a Nationwide credit card (18.9%)…