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Debt free diaries

A place for MoneySavers to share their journeys towards debt-free living.

LBM no 1 million and 1
https://forums.moneysavingexpert.com/discussion/4791124/here-we-go-again-lbm-number-a-million&page=117 old diaries So I'm back once again. Need to knock this debt on the head once and for all. This time I mean it though :rotfl: Hope folks are well. Well my debt is still way too much. I've worked like a dog last couple of…
Maternity and Mortgage
Hi everyone, I've been reading some debt free diaries and it's inspired me to have a go at my own! Abit about me... I'm married with 2 daughters and I'm currently pregnant with our third! We are trying to save as much as we can for the dreaded maternity pay which sees me going from £2000 per month to £580 per month next…
Fox's Debt Free Diary
Hi I'm FoxFace (Foxxie or Fox usually) and it's time I get this finance thing under control. We have had a tough few years, followed by a bountiful but frivolous few years. We have more debt than we want, but not more than we can manage (thankfully!). However I want rid, and as I always do when I need to tighten my belt, I…
HUGE DEBT AND WHERE TO BEGIN
Hi ,This is my first time on here and starting by debt Journey following my lightbulb moment with a huge unsecured debt (45k) . I am currently paying all minimum payments on my unsecured debt but I have now come out of my promotional period on my credit cards and the interest now equates to around £225 a month . I have…
"Lightbulb moment - 67k down. Need to execute a recovery plan"
Hi Guys Gonna post my SOA in a sec.... Need some advice on what can be done, to trim some of the fat we have as we are up to our neck in debt. This has been mainly due to my reckless spending and gambling. I am now doing my best to stop....used Gamcare, etc. But the lightbulb moment with all this has to be the whole…
Return to Solvency
Ok so I have finally plucked up the courage to start my diary. It's a really good way of recording the events that take place in my effort to finally become debt free after years of struggling and robbing Peter to pay Paul. I had a mini LBM in 2007 following some traumatic life events and plucked up the courage to inform…
Debt free by 40
So I've finally decided to start a debt free diary and am hoping this will help me to find others on a similar mission so we can all keep one another motivated! Through a mixture of a failed business venture, consumer debt and house renovations we are in a position where we owe more than we would like. Fortunately our…
Debt going down, happiness going up
Hi all, so this is going to try and be my debt free diary. I really should have started at the start of this year but oh well. So at the start of all this, me and my partners debt stood at approximately 15000 pounds with two loans and one parent loan. It now currently stands at £9800. The hope it to have it all paid off in…
Counting Down from £15K
Hello, I've been lurking here for most of this year but never plucked up the courage to post. I had my lightbulb moment in January this year when, saddled with £15K of debts, I got turned down by the bank for a consolidation loan which I had hoped was going to reduce my monthly repayments - which I now realise getting…
We are about to pull the purse strings soooo tight!
Hi All, Like a lot of people on here I have been lurking on this site as a watcher for a number of years and during this time I have also watched our finances spiral out of control. Today I have had my LBM and oh boy could I cry. I have just done our SOA (which I will post once I've got all the info present and correct).…
Finishing the race
So, I used to bounce around these forums quite a bit around ten years ago. Mine was a common story on here: I had a terrible credit rating, I was ducking county court judgements by the skin of my teeth and had defaults flying out of my ears. Total debt came in at around £23,000. Fast forward ten years and I’m in a much…
Mummytogirls - taking the scenic route
Evening Diary, Well there seems to be so many diaries being deleted at the moment I have decided to start a new one to try and preserve my history on here. My first diary can be found here: https://forums.moneysavingexpert.com/discussion/2311479 So I started in March 2010 and it hasn't always been an easy route but weve…
Mrs PG's Hopes & Dreams for a debt free future !
Now seems as good a time as any to begin my new diary ! Trawling back in my old diary , I had made a mention of my Hope and Dreams for our future, so decided to steal the wording for my new diary. In the absence of a lovely witty , entertaining title this one will have to do.:o So following on from Pinots Potty Debt Free…
Did full and finals, can I get them to delete info I gave them re health?
Hiya, to get companies to accept my offers, I disclosed some serious issues re health, not just of my own but more importantly family members who I have to care for. I was wondering, can I get them to delete these details now for the sake of privacy?
Building The Goode Life
I've written and rewritten this post so many times, explaining exactly how we got to this position. Our debts are relatively low now, around 3K, after years of fighting a 15K monster. I wrote how the debt isn't our fault, how other people's actions left us with no money to pay the bills and feed our children. That's mostly…
could this be withdrawn?
Hi Everyone, As part of our snowball method we are lucky to have quite a big chunk of our debt on 2 barclaycards that have an offer of 6.9% for the life of the balance. This is good as it saves us a lot of potential interest. We're doing a snowball method so at the moment we are just paying the minimum on these 2 cards and…
Today's the day
I love the idea of keeping a diary and keeping myself accountable. Today was the day that I've taken the leap. I've known for a while that I was spiralling out of control. It's a mess. I owe just under £20k and that figure is embarrassing to me. I'm embarrassed and ashamed I've managed to get myself into this mess and not…
A fresh start on the long and bumpy road.
I've had a couple of diaries but I haven't updated properly for a while. After some big changes I have decided to make a fresh start. I struggle with mental health issues, anxiety, depression, agoraphobia... and I am again off work sick, been off just over a week. I was off for 9 months last year, I went back on very…
Spend Nowt, Buy Nowt, Owe Nowt
How do I start what feels like yet another diary? After being on the MFW board I have come back to the DFW board to shift the debt we have run up in the last 12 months. A quick back story….DH and I are classic impulsive over spenders who went pop back in late 2008 and managed to climb out of the pit of debt we were in by…
Tackling This Debt One At A Time
Hi I've decided to do my own diary (again!) It's been a very, very long time! My last diary was going very well until we lost focus and now fast forward to 2021, I'm still in debt but it's going down...again! Rather than looking at my overall debt, as the title says, I'm tackling it one at a time. As much as I would like…

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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
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Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
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Debt free diaries

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