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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…
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Digging myself out of debt
Hi everyone, This will be a bit long, please don't feel obliged to read - SOA will be posted below when I can make the time. It just helps me to think 'out loud' in writing, and hopefully to get some moral support as I go along. Introduction Well, it's been a long time since I was in debt. Maybe 15 years. My first ex got…
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Three Steps Forward
Starting a fresh diary. I don't really have a plan - I mean I do, but every past plan has failed, so I'd like to style this one out better. That's the plan. Budget is good. Will save a bit of electricity if I turn lights off. Am considering cancelling the TV License. Is it worth getting lifetime subscription to Microsoft…
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Keeping afloat till I can get round to the debts!
So here goes with a brand new diary. With the financial situation across the country as it is I'm going paycheck to paycheck and debts seem to be going up not down. It's time to take stock. Focus on the money actually lasting the month and forming a new plan. I've never been one for following the American debt fella but I…
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Fresh Start At Fox Towers.
(shiny new diary and the title makes me feel like I am in an Enid Blyton book) For those of you who are new, and those who are not, quick life re-cap: Household consists of me, Mr Fox, and Mini Fox. Regular visitors are the 4 stepkids, 2 of which are now adults. I work full time and Mr Fox is currently SAHD'ing to Mini…
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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…
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Moving on with things
I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…
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Living Large, on a Small Income, by the Sea.
I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…
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The Frugal Hearth: Stories of Simple Living and Living Well
Hello, and welcome, one and all to my new debt free diary! My Journey I started my old diary at the beginning of 2020, a couple of months before the pandemic hit the UK and we went into lockdown. That diary can be found here…
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Here's to the Fools Who Dream
I will be 60 on March 2nd 2026 and I am an old fool who is dreaming that the best is yet to come! I loved the film La La Land, always felt this song was about me ....... The Fools Who Dream (Abridged Version) "She captured a feeling A sky with no ceiling, the sunset inside a frame .... A bit of madness is key To give us…
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Big debt, accountability, 2026 check in
Hello all, long-time lurker/reader of advice and thought a good time to put a pen to paper and have a chat about my debt journey. I’m 34, in 2010 at 18, I walked into a Lloyds TSB branch and a member of staff helped me pay some money in and then wanted to discuss a Credit Card. I was daft and signed up to it, I worked in…
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5 Year Fixed - 60 Months to Financial Stability.........Hopefully!
Good day fellow DFWer's, Serial diary starter here, I know it's annoying, but in my ADHD brain I've had some changes so I need to start from scratch. I've just started on a new 5 year fixed mortgage so I'm going to set myself some goals over this period to get myself on track with my finances, home, weight and try to get…
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Kezzy's debt journey 2024
I've been a member here for a long time, but for the first time I am going to create my own debt free diary. A little about me:nhs nurse, married mother of 2, and 2 doggie children. I have a bit of a problem with gambling, but hopefully I'm addressing it now I have used gamstop to block myself from uk sites. Lightbulb…
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Don't hit me with those negative waves Moriarity
I have lurked for a long time on this forum, then joined and lurked (and lurked some more). Maybe should have gone with an Adams family reference for the title but ho hum I'm here now. I think I'm ready to start a diary even though I've had one running through my head for months as I had my light bulb moment back in…
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Daisy's Debt Free Diary [31F/Autistic]
Hi everyone! After spending some time lurking and reading other DFD's I've decided to start my own to track my journey to becoming debt-free. Right now, my total debt sits at £3,124.06, spread across two CCs: * Card 1: £826.70 (0% interest until 8th September 2025) * Card 2: £2,297.36 (0% interest until 17th January 2026)…
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F&F settlement letter offer or CCA . Not sure where to start. Thanks
Hi everyone, Thanks for reading my post. I have been reading through the forums and not 100% sure where to start. I am looking for some advice as I don't know whether I should try and negotiate F& F settlements or first to ask for my CCA, all taken out around 2011-2014. I have been paying £5 a month to each creditor for…
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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…
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Genuinely how do you start?
Hi all, It’s been a very long time since my last post, so apologies if it’s not done right. I’m 46 with two teenagers from my previous and a 5 year old with my current partner (this will become relevant). When I was with my ex wife, life and finances was slightly different in that cash was readily accepted everywhere, so I…
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Hustling My Way To Debt Freedom
Hi everyone I'm back again, still trying to clear the debts. I won't go into a long explanation as to where I've been (no excuses - I've just been rubbish at coming on here), but I'm just so sick of being in debt, I have to get a grip on it. Got to hustle my way out of it, any way I can (legally of course!!). The plan?…
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Should intake out a loan to reduce my debt anxiety, despite paying more interest?
Hi, ive accumulated 10,700 in debt (maternity leave and my husband lost his job) - its across 4 credit cards, and a small amount of PayPal and Next. Ive been spending the last few years moving the debt between the 4 cards, to make use of 0% offers, so I've kept the interest mlvery minimal. Ive recently moved some debt to…
