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Starting again ... again
Hi all, Welcome to my brand new DFD! I used to frequent this forum under another name but decided to delete that account and all its threads because I realised I had posted some information that would make it easy for people who know me to identify me. So I planned on starting again, but left it for months and months, and…
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Debt consolidation
Hi everyone I am on the final stretch of paying off all my debt. Myself and my wife have 3 credit cards between us that total £15'000. All have cards have recently been transferred to 0% interest. Payments total £250 per month across the 3 cards. My question is would I be better off getting a loan to clear all 3 balances…
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Seen The Light
Having always been 'bad' with money, I've finally seen the light and it's time to get things sorted. Realisation hit in January so I'm already making progress, but thought a diary would be useful to keep me motivated and track progress. I don't really want to go over the full background as I've already done it with the…
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100 eyes on Me
My wife and I are bad at not spending money. We do save but fairly unintentionally and as a bi-product of my income. We both want to live a more "fulfilling" life. I want this diary to keep track of our spending and hopefully keep me in check on achieving some kind of early retirement goal. I hope some people can help us…
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Keeping on the straight and narrow
Hello, Long time lurker. I don't have much debt but I wanted to keep "on track" and everyone here seems to make awesome progress so figured I may as well join in! I will post my income statements and progress. I do want to cut down unnecessary expenditure. Hopefully having a sane pair of eyes will encourage me to be more…
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Help please
Any idea why I can see any replies?
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Stepchange
Afternoon All, I'm back! Still in debt but have got it down to 4 (all biggies) from 12 so I think I'm not doing too bad, I just keep plodding. Hope all are ok and have managed to keep well in mind and body. This is a quicky, I don't like talking to Stepchange they make me feel uneasy, has anyone completed their budget…
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Becoming obsessed....
Hi, I'm another long term lurker who, thanks to the ongoing lockdown and weird period of enforced self-reflection, has finally decided to do something about my mahoosive debts. I've had credit cards for as long as I can remember (I'm 44), I've never missed a payment and I am affording the payments, (which almost feels…
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deleted thread
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Getting money back from cowboy builders
This is a new thread which continues the discussion started in the thread 'Please advise - it's all gone SO wrong' which went above the permitted number of posts on June 28, 2010. It's still about getting justice against builders and other suppliers who think it's OK to leg it with people's money for work not done, and the…
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Time for a new beginning with less talk, more action!
Hi everyone I'm new here and decided now is the time to start taking control of my finances and put a plan into action to get my debts paid off. I have already paid just over £2,500 off my debts but as off today my debt balances stand at:- Barclaycard £2,533.00 Pay £50.00/month Lloyds £2,740.00 Pay £82.00/month Halifax…
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Debt-Free Wannabe Newbie
Hi All, I have been wanting to get debt free for a long time now and thought i would try to make a real go of it this year. Debt currently stands at Approx. £35k. got 5 CC's totalling £15.7k (only 1 for £4k is on 0%) . 1 of these cards is with Barclaycard and we know they plan on increasing minimum payments from my Feb…
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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…
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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…
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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…
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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…
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"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…
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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…
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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…
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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…
