-
Champagne supernova’s debt free to savaholic diary
Hi all , Im going to start documenting my journey to financial stability and security. I have a post about my DMP here : https://forums.moneysavingexpert.com/discussion/6509459/at-the-end-of-my-2nd-dmp#latest My story is as follows: Debts at their highest - £11, 274.34 Debt-Free Date (projected) - July 2024 Debts March…
-
Stronger, Smarter and Saving
Time to face my debt head on and I thought this would be a nice little corner of the internet to document it. I have about £10k on a 0% card and just under £5k at 5.9%, so I'll start with that smaller card. OH has about £10k across 2 cards too - they're both on 0% deals so we've set them up to pay min payments only at the…
-
2026: time to face facts and plan for the hard times ahead
Hello everyone, I've been a long time lurker under a different alias but have now created a new moniker to be a bit more vague about name and area of UK as starting this journey and will be posting for my own sanity and all your support I've seen so much across the years. I'm in a deep pile of debt that I've been servicing…
-
Debt Free In Two Years - It's Now or Never
Hi everyone I’ve been around these forums for a long time, but have been very sporadic for a while lately. The debt is still there and hasn’t been dealt with - but I honestly feel that 2025 is the year I get debt free. My OH and I have just finished paying a large loan that we’ve been paying for AGES. Before this we had no…
-
I can do this...step by step
Hi all, I've been lurking on the forums on and off (mostly off) for sometime now and had "that moment" when I have come to realise I'm really over my head and hiding behind yet more loans and further debt won't help. I feel I have got to this stage by each time taking a new loan to consolidate the last while spending more…
-
Starting the journey...the road is currently bumpy.
My debt has always been there, nothing major - the odd holiday on 0% which is dutifully paid off then rinse and repeat. Then things changed, 5 years ago I lost my mum to Cancer - she loved life and was taken too young. From this my attitude changed, holidays booked, things bought, paying for friends - I wanted to live in…
-
Busting this debt before 40
Time for me to de-lurk on this thread and start my own dairy. Long story short ish. Away on work last year all my co-workers talked about pensions. Then realised that I wouldn't get my state pension till 67. Also my work pension doesn't kick in till 67 either...(There's like a mini pension for when I've done my contracted…
-
Default me
Well, where do I start? I have been in debt for my whole adult life, since I was accepted for my first store card at 18. You would have thought I would have learnt by now how to manage but again, in the same month that all of my previous defaults have dropped off my credit file, I am about to default on all of my debts…
-
15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
-
Creating the life I want - and tackling my debt!
Hello all, Years ago I had a journal, but back then, I was at home with my parents, trying to keep a business afloat that paid me a pittance. Moving out felt like a pipe dream. But I did. After closing my business down in 2017, I took on an entry level government job and worked my way up a couple of grades [so far] and…
-
The Journey to being debt free, hopefully
So I am bad at following through on things. And I have an impulsive nature. The impulsive nature is probably what has made me start this thread, and it is going to rely on me actually following through to keep it updated. I have just set a bi daily calendar reminder to update thhis post, we will see how it goes. I am…
-
£32k in 23 months!
Here I go! I have been in some form of debt my entire adult life. I’m not in dire straights each month, but I am sick of taking payment holidays when I need some more room, managing interest rates and trying to be smart while all I’m actually doing is moving debt around for what feels like forever. I recently started a new…
-
A Map for the Financially Lost
Ok. I am lost and indecisive. Ten yrs ago my plan was to be mortgage free by 50. I am 50 and lost. I need a plan. A plan to stick to! I work in a supermarket full time and have 2 teenagers Car broke and mum loaned my £10k. No pressure to pay her back, in fact sometimes she talks like she doesnt, but will not commit to…
-
Weight loss and healthy eating for a debt free life
I've been thinking about this for a while and I've seen a few other people mention weight loss so I wondered if we should have a thread. There's a giving up alcohol one but obviously we can't give up food. I also realise that not everyone with a food buying problem is overweight. I overbuy and some of the overbuying was…
-
From broke to better ..a journey
Hi everyone. Well today is, as they say, the first day of the rest of my life. The first real day of my journey to get rid of debt. I am alone in this. No partner and no family for support so I am finding myself tearful and scared. I know noone here can hold my hand, but I've seen so much support on other people's diaries…
-
Stopping the backsliding… a family of four no longer living beyond their means
Some of you may know me from my last diary, which was on Mortgage Free Wannabe. The truth is, I’ve not paid anything extra off my mortgage for years, I’ve not saved like I meant to, and I currently have £1,000 on my credit card 🤦♀️ 🤦♀️ 🤦♀️ I plan to have this paid off in under 3 months, so I could have stayed on my old…
-
Time to banish the debt.
I've been a lurker on here for a while now and kept meaning to start my own diary but for some reason or not I haven't, I now know it's probably because of the shame I'm feeling. I've had some kind of debt for as long as I can remember but never to this extent. 8 years ago I had just paid off £3000 on my credit card and…
-
Credit Score effects by moving money from a main account to a saving account with the same bank prov
Hello folks, I hope you all good. i would like to ask simple question which I can’t find a answer for it. I’m debt free since 2023 June. I managed to save up a couple of thousand £ on my main account. The same time I opened a new debit card for £500 limit to improve my credit score. Before when I opened debit card £500 my…
-
Moriarty Law and JC international
I have received an email from moriarty law acting on behalf of JC international acquisition LLC for a scottish power debt at my previous property from nearly 6 years ago (august 2020) stating that l owe JC international money and they are acting on their behalf and offering me a 40% discount if l pay within 28 days. What…
-
Road to Financial Peace
Hello, Happy New Year. I have attempted keeping a diary a few times on here but never kept it up for one reason or another. So here I am again but more determined than ever to shift this debt (I am not getting any younger lol) So I am late 40's married with 2 adult children still at home. DH is the main wage earner and…
