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New Habits Needed...
So having been hanging around the forums since 2015 and starting a short lived diary in 2019 and really not getting much further in my debt busting ways I thought I would start a new diary. I follow several diaries and I am so inspired in many ways and have acquired new habits just from reading these diaries that I want to…
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How I got out of crippling debt
Posting this as advice which worked for me. TL:DR - I was in so much debt every time I got paid every penny auto left my account. I opened up a new bank account, diverted my wages there and paid everyone back one by one. It took years. HOW BAD WAS IT? Payday would come and the money would be taken out immediately by my…
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Back with smaller tasks!
Well I’ve tried getting back using my old account and have failed! I can’t remember my account details, been so long since I used this forum I have ran out of guesses. SO I’ve returned and guess it’s a good start to be a newbie!! I have managed to get myself a few debts again!! After becoming debt free on here many years…
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Plan of Attack
Hi Guys, As promised here is my new diary. The plan is to become debt free (AGAIN), and then get a deposit together to buy an house, getting myself on the property ladder is my number 1 priority now, you could say I have become obsessed with it, but as Rome wasn't built in a day - or so the saying goes. Some of you may…
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Digging my head out of the Sand
Hi All, I'm new to MSE but thought I would share my story (So Far). My issues started way back in 2001, my father passed away and I took it badly, ended up out of work for a while suffering depression, this resulted in me taking multiple unsecured Loans along with credit cards etc, being out of work I couldn't make the…
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Be badass or go home (Jen Sincero)
DFD Credit cards £12750 Overdraft £2500 Mortgages £200,000 Personal loan £90000 Total £305250 Income £52500 before tax 2 Properties value £700,000 My debt is really affecting my daily life. I grind my teeth in my sleep and can’t tell my family how bad it is. £190,000 of this debt is owed to family, 15 years to repay.…
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Plan of Attack
Hi Guys, As promised here is my new diary. The plan is to become debt free (AGAIN), and then get a deposit together to buy an house, getting myself on the property ladder is my number 1 priority now, you could say I have become obsessed with it, but as Rome wasn't built in a day - or so the saying goes. Some of you may…
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Best way to do things
Hi Guys, I'm after a little advice if possible, I have some outgoings and I want to save a deposit for a mortgage - and I don't know which way around to do it. So my financial situation currently reads as below Council tax debt £2431 (paying off at £304/month) no interest Car Finance £13,171, £399 per month @25% apr…
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To close accounts not being used or keep them open?
Hi All, Thanks for reading in advance... I have recently taken out a loan and paid off a few credit cards. I had some already open (with 0 balance) and others i have just paid. I now have 4 accounts all with 0 balance. Im not sure whether i should close them and just leave accounts with balances on or keep them open with…
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Mrs S.....life after debt
I've been on here for 4 years now (I think I actually had another name before so it's actually longer). If you're super bored, here are my diaries so far! Diary 1: MrsS is getting serious https://forums.moneysavingexpert.com/discussion/5045594 Diary 2: Debt free before 35…
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Crazy Cat Lady Chapter 4 - The Aftermath
Morning readers - long time and new. I thought that with a new decade just round the corner (tomorrow) and the fact that my old diary has gotten very long now then it was time for another fresh start. I really hope that some of you have followed me over here, because I find it really supportive to know that so many of you…
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Dolly's Diary
Hey all, Been here before and managed to get debt free and mostly I've stayed that way. I've just bought my flat so I am waiting on the mortgage balance to update on my online account which will happen in a few weeks then I can start on this DFW journey again. My Debts £TBC - Mortgage £0.00 - Sainsbury's Credit Card (SBCC)…
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£67,031.92 is a frightening number indeed....
£67,031.92. Seriously. £67,031.92. That is a SCARY number. I can't believe our debt has peaked (and it is the peak, I am determined) at this level. Our light bulb moment actually happened a few months back, but it's taken since then of wrangling utilities and carefully watching out income/outgoings (using You Need a…
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6 debts down, 1 to go!
I am not quite ready to start this new and final diary (my 3rd diary) but I want to get this ready to motivate me for when the time comes (July 2020). I first came here in 2018 in a right old pickle. I had 7 debts in total: 1) OD 1 £1000 2) OD 2 £750 3) CC1 £3000 4) CC2 £2400 (Maxed out on those 4 debts). 5) LOAN £6500 6)…
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Caravan on my Driveway.
I have just returned home and there is a caravan parked on my driveway. I have been away for 5 days staying with my son. There is a registration number on the caravan. Can anyone please advise me the best way to get this van removed.
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Payplan- a success story.
Long story short and one that I guess is very familiar, I got into trouble when I was younger, hard. I guess I was never really taught about money and hit credit like it was going out of fashion during the payday lending boom a few years back now. I had been in denial for years, a familiar story of borrowing from one…
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If we can get through the next 10 months….
hi everyone. we had our Lbm this week. It's a shame it didn't come sooner but at least it's shining now. Hubby and me have both got horrific credit ratings (we're in the really poor bracket). Bad habits and no self control, coupled with living in a money pit of a house, a car that almost permanently needs fixing and some…
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First day of the rest of my life
It's taken me a while to realise that I need help/support/kick up the butt with my debts. I thought I could keep everything on track, and that I had a plan... a good plan! Well sadly that wasn't to be, as mental health took a turn for the worse at the beginning of the year, and instead of my total going down, it was going…
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Paddington's Debt Free Journey
Hi All I'm new here and thought I would start a debt free diary to try and keep myself motivated. I currently have the following debts:- £750.00 Tesco CC, £2,570.00 Virgin Money and £3,360.00 to MBNA making a total of £6,680.00. I'm fortunate that all of this is on 0% and I have worked out my monthly payments so that all…
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Facing up to the limitations of my life
I took out a loan as part of buying a house that had lots of category three repairs that needed urgent attention but the repayments meant things were tight and I let that notion slip every now and again so now two years later I am maxed out on my credit card. Nothing major but just no 'cushion' and the occasional 'sod it'…
