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Juggling mum/work life, whilst looking after my future self, both financially & healthily
Hiiiii, So I thought it was time I started a new diary as my old one got a bit complicated. A little about me. I’m a mum in my 40’s, my husband works away a lot, I work full time, and I have 2 children a tween and a teen. Along with 2 noisy cats. The last few months have been hard financially, and my work is teetering on…
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14 months to go!
As moneysavers go, I've never been in the depths of being in debt. I'm more of a 'there's always something' at some point in the month that happens, that messes my beloved budget up and I predictably feel down on myself for either not being prepared or not foreseeing something that I should! I live on my own (apart from my…
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Three Years of Tears to Yippee I'm Debt Free!
Hello All... This week I have finally faced my debt demons and I know I have to do something about it. I am 59 years old, married and financially, to the outer world I look like I am doing well, I have a good income, I go on nice holidays, drive a nice car and live in a nice house but I have been for the last few years…
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Flying solo
I previously had a diary (well actually I've a few) but in June I had a big life shift which meant I disappeared for a while! I've had a few attempts at trying to pay off debt, made great progress and then progress stopped and the debt increased again. But this time I seriously mean business and I am determined to get this…
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A new chapter is ....... FINALLY HERE
So i'm sloping back in with a new diary, been missing (but still reading) for 10 months, MH took a nose dive in October, all work related and quite frankly horrid. After lots of chats with DH,crying and not really knowing what to do with my life I spoke to my manager and as of September I will be working less hours with a…
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Mummyto3boys crawls out of the mire mark 2
So it's been years. So much so my old diary is closed, shut up like a long forgotten relic. The baby I last had is almost 12 😱. I still have debts but great things have happened. Such as I have paid off our mortgage, then moved home and still have no mortgage! I haven't been in my OD for years. I have a job I adore which…
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Must try harder…again!
Well, here I am, back again! I have missed our chats, your worldly wisdom and opinions on biscuits! After losing my old dog in January I took a while to sulk, wallow in sadness and grump quietly…you know how it is 😖 Anyway we quickly cracked on the dog front and I have a 17 week German shepherd sleeping against my leg. We…
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Debt Free Diary Newbie. Post 1
No clue where to start but hoping, like others, that tracking my situation will not only hold me more accountable but help me see some progress in my thinking, spending, saving and what not! Total Debt to date 9th July 2025 Student overdraft from 2015: £1550 now at £330 Credit card from 1999:£5615 now £2068 (0% Interest on…
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The 6 year plan!
I've had diaries before that have for various reasons lost their purpose. Last few years have had big changes in my life, I now have 2 children, I've completed my academic studies and now have a more driven passion for career progression. With this it feels like we have come to the top of our debts and now want to bring…
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Go your own way
Hi team, I'm new to the MSE forums, having joined in March to help me clear up my credit report and improve my financial intelligence post-IVA. Thought I would get a diary going to tell my tale so far and share some insight on how I'm now 'going my own way' with my money having ditched the debt. So, here's my story so…
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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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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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Switching stories
Hi all, new to forums so not sure if this is the right place but I'd really appreciate some guidance on how to fix situation. Last month I decided to take control of finances and applied for and received a new credit card with 0% to pay off old HSBC credit card debt. All went well EXCEPT that after the balance had been…
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Daisy's Debt Free Diary [30F/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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Taking Action ...
Not sure if this is the best place to post but will go for it. Im struggling at the moment after circumstances left me starting from scratch pretty much a couple of years ago.. I had to re buy everything for a new house having left with almost nothing ( most of it free/ donated/ marketplace) but kitting out the house plus…
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I will have two credit card balances with debt left come February, what should I do?
Hello, I am on a debt free journey and I'm feeling very positive with one of my credit cards set to be paid off by the start of 2026. I will then have one card with approximately £900 (a balance transfer with the 0% period ending in March 2026) and another card with £1242 (with a 0% period that ends in June 2027). I was…
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Mentally exhausting
Hi all, this is my first post but a long term reader of this forum. I have been in debt my whole adult life and now in my early 40s. It all started when I started work at 18 in a high street bank and had access to easily accessible credit which I kept consolidating and taking out more. I was on top of my debts but my OH…
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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…
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Moved: Default notice help
This discussion has been moved.
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Here Goes
So, I have been lurking for a while now and seeing everyone else make progress has spurred me on. I'm 38, with a 7 year old daughter and a dog, her dad lives abroad and flits in and out. He doesn't contribute anything financially. I pay every bill, activity, Xmas amd bday, but when he does visit he helps with pick ups etc…
