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Young and naive mistakes
I have about £6369.68 in debt with credit cards - luckily no defaults/CCJ's and they're both on 0% at the moment (Barclaycard ends in a few months but I'll do a balance transfer). I've got to make a change in my life. Back Story I started working just before I went to Uni - I was young, in love and didnt really understand…
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Buffy takes it 6 months at a time
Hello Everyone, I have now been out of debt for 5 months due mainly to a tax rebate and some PPI money plus me actually using a budget especially for Christmas and the summer AND sticking to it for the first time ever. Life itself is very unpredictable here so I don't want to set out a grand plan and have it fall apart due…
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Save more to work less.
Hi all i have been part of this forum for 11 years. I still have debt and it's being chipped away at. I work 36.5 hrs and i am dropping to 32. I will have few short days a week which will be nice. I don't want to work anymore hours to get more money as I feel this amount is what i am mentally capable of at the moment. I…
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Lilt, Jellytot and the Archangel
So, here I am again... Almost debt free. I’ve been paying down debt on a 0% card and it will be gone in 6 months or less without accruing interest. But in the meantime, I keep going into my overdraft, spending £125 a week on groceries that are mostly ending up unused, in the bin or the freezer. I just got through a…
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The 44 month plan!
Hi, I've been a long time lurker on here and have learnt so much about paying off debt and making smart choices. I need a little bit of accountability, so have decided to start a diary. If anyone is on a similar time scale maybe we could support each other? I have a fairly significant amount of unsecured debt, about 31K…
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Trying to get my debts off my chest.
This is probably the 4th attempt at this. At the beginning of this year I had a overdraft of £3000 that I was fully using and a credit card debt of £6000. Over the past 5 years I have been living beyond my means and also, bailing out my OH which I realise is terrible. He currently owes me over £2000. I got completely…
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The Last Leg; 6 years later, debt free in 2021
I haven't written a proper post in the DFW forums for a loooong time. I used to be on this forum all the time and it really helped me! Funnily enough I can see the points where my debt peaked were the points my posting here was at its lowest. I wanted to start a little diary because, hopefully actually for the last time, I…
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Repayment plans & future dreams
Hi all myself & hubby have been on debt repayment plans for a few years now but we really want to properly start chipping away at these & concentrate on getting back financially healthy in order to move. Hubby lost a job a few years back and it's been a long slow climb back up to secure full time wages again. I was part…
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Stop frivolous spending and save more
Hi all, after reading so many wonderful debt dairies here I have decided to start my own dairy. My aim is to stop frivolous spending of money on unnecessary things and save more. My target is to buy a 2nd property on buy to let so that it can be my retirement income or can pass on to my only child so that they don’t have…
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I believe in Miracles - so I will cast a spell
My spell is that in 6 months everything will be different - the same, but different. I drove through Cambridge today and I just thought - I would love to live there. It doesent have to be cambridge, but I love the trees and the bicycles, the parks and all of the people out. I am not unhappy, but I am not proud of my job,…
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30s_Suffolk_Lass DFD
Hi All I've decided to start a DFD and am also after some opinions on how I should proceed with my financial situation. My heart says one thing but my sensible head says another! The story so far: - I currently have a bank loan which stands at £24,700.24, including front loaded interest. The original loan was £25k with the…
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So here we go ... debt free to be able to remorgage
Ok so I thought I'd start my own diary...I'm overwhelmed after reading the diaries on here and thought what a fantastic way to be accountable for my mistakes and try and get out of this hole I'm in. So here goes... I own my own home. In December 2020 I was fortunate enough to move to a new place (I needed to move for…
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Debt Free Diaries or Anything Else!
Apart from the initial mention of debt, some debt free diarists make no mention of it again, with many many pages devoted to everything else in their life.Is this proper use of that forum and will it continue under the new rules?
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On my journey for financial freedom.
Hello! I’ve decided to start a diary after lurking for several months. I’m a single Mum with a five year old and an eight year old that live with me full time. I’ve been separated (now divorced) from my ex husband for almost four years. I left after a myriad of issues, but financial abuse was a big part of it. My youngest…
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Aligning the Stars
Hi All, I've been lurking on the forum for a couple of years and this year I am finally ready to fully address my problems. A little background... I became a parent at 21 and became a single parent at 22 with no support from my DD father. Not exactly how I expected things to turn out! Thankfully I have an amazing family…
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£22248
I’m new around here and just wanted to say hi as I’m hoping to stick around for a while! I have £22248 of debt, mostly from taking on my husbands debt with a little bit of my own added in. I think I’ve finally got my husband to see sense and he is on board for dealing with this seriously now. He does have a smaller amount…
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Time to sort this mess out
Well, hello. Things have gone tits up (excuse the language) in the finance department over the last year or two and I have, helpfully, buried my head in the sand about it all. I've been in debt most of my adult life, but a few years ago managed to clear 6k (accrued while at uni and working in a call centre) and finally…
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Isca's ramblings on the path to being debt free
Hello money savers. I want a place to record all my thinking, ideas, actions and progress as I meander along this path to paying off my debts. They are much smaller than they used to be and the end could be in sight, but for some reason that makes it harder to focus! Current CC debt: £2915.71 Other debts: Car payment due…
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The Bones - Take 2
Morning, I hope this posts ok. I had trouble logging on once the upgrade happened as it kept freezing and throwing me out :( I have a work laptop now, so I'm hoping it's sorted itself out. So I'm back with a new diary, or I will be until I get thrown out again :D Here is how things are debt wise in the Pmo2 household -…
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Starting out again
Hey folks, Have had a rough 18 months featuring a marriage break up, moving out to a death trap of a building, to move on again (breaking a tenancy to do so, so sadly on the hook for two lots of rent for now... hopefully sorted on 01 Jul), a hospital visit at the start of the year, and signed off with stress due to the…
