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Reality hit hard ......now i'm hitting back
Hi readers (if there are any haha) i have been reading a few diaries on here, having a nosy, taking on board advice that while not directed at me made a lot of sense. I knew vaguely that other people had money problems but was still thinking that i must be the worst person with money and the only pesron that could have…
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Finding a future after debt
I'm self-employed and have been having a tough time after a series of health scares and other issues. I'm finally in a good position to start paying off my debts. Debt Jun 2020 Current CT 5144 4959 (that includes this year's) Rent 240 164 (arrears) CCJ 445 445 (has arrangement) CCJ 543 500 (being paid back but no…
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You'd think I'd have learnt by now
Easy credit is the route of all evil for me... This time its paypal credit. Plus I have large loan on my large caravan and another for my solar panels I'll need to contact the loan companies for the amounts left but I pay 275 a month for my caravan and 160 a month for the solar panels. My paypal credit is around 950. But…
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Still trying to stay in the black
Starting a new thread for 2021. Long time reader and single mum to two little puddings. I started a diary towards the end of last year as I was constantly finding myself in my overdraft. Posting on here definitely makes me more accountable and I also like reading back to see what progress has been made. Have been missing…
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Winter is coming
Hi guys The time has come to batten down the hatches, get rid of the debt that has built up due to being on lockdown ( OH is self employed so money was tight) and renovations we did last year. Works already cutting down on hours allowed and the new scheme will be no use whatsoever to me, no boss is going to pay a third of…
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If At First You Don't Succeed
It looks like I started one of these quite some time ago but my entire life changed not long after with a surprise pregnancy. Since then my partner has stopped working due to his mental health and I've improved my earnings (a bit), but I have also discovered that he has significantly more debt than I was led to believe. So…
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Good With Money
Here’s the thing: I’m in a Debt Management Plan already. But it has been very much ‘set it and forget it’. It started in Summer 2018 and I was hyper focused on Sorting Out The Money. I figured out the options, decided on a self-managed DMP and everything was set up, running like clockwork. Easy peasy lemon squeezy. In that…
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A new chapter begins
Hi there I do have a new chapter beginning in August when my state pension starts received my invitation to apply today but I actually left work 31 Oct last year as I took voluntary redundancy I had been there 9 years so didn't get much but foolishly thought I could make it last till August,a big day NO there, so I thought…
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Not a Newbie
Hi all I've dipped in and out of the forums for many years & in the past have cleared debts successfully. I am here now because although I don't have debts, my salary has dropped massively & I am worried that if I don't keep an eye on things I will fall in to old habits. The reason my salary has dropped is simple. I was in…
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Where to begin?.......
As the title suggest I'm not entirely sure where to begin. I know the start would be good but I would be here all night long attempting that, I'd certainly be giving War and Peace a run for its money :o I will try introducing myself and my bunch. I'm in my 30's (how did that happen?!?) I'm married 10 years to my dh. We…
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You can't beat me, I will win.
Hello all who visit. Ive had my past diary for a long time and I've been neglecting it for one reason or another. Anyway I'm eager to get everything in my life sorted and feel a fresh new start will help. Anyway a bit about me.... I've been here a long time but I'm still in debt. I should have been debt free years ago but…
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Time to get a handle on this... and change my life for good!
Long time lurker here! I joined MSE last May when I thought I had my LBM, but in reality I just cried a bit over my long list of debts and how terrible the whole pandemic thing was making me feel, then went on spending every penny of my disposable income on take aways and unnecessary nonsense. I look back at all the…
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Full and final offer accepted but is the wording ok on their email?
Hi, please can you tell me if this wording is acceptable? It's from the debt company and it's been a hard slog to get this agreement. A family member is paying it. I just want to ensure they or no one else can come back afterwards. The nightmare might just be ending, I can hardly breathe. I can confirm we are prepared to…
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Sorting My Money - Hi!
Hello, I've been an avid reader of the DFW diaries for so long, now it is time to get started myself. Like many people, last year hit me hard and not only did I wipe out my savings, but I also now have £3,000 of credit card debt. Things are better now - I have picked up a few side hustles (I need to join the make £10 a day…
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The end of the road is in sight just the last stretch to go
I have been on this site for so many years and have learnt a lot, yet I have never set up my own diary. Here it is! I cannot actually wait to be debt free and post in that thread, nearly there but not quite. Tonight was quite momentous for me. After taking advice on here about a CC that was due to expire on the 0% deal. I…
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DFW to MFW before 40?
I have decided I want to keep a DFW diary to help keep me motivated and to make me accountable. I am 32 years old, single and I live with my mum and brother in the house I grew up in. I have a couple of thousand in a Lifetime ISA and First Home Saver account towards an eventual house deposit and various (virtual) pots of…
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The man who likes stuff. Can I pay 7k this year?
Hello everyone, This is not the start of my debt free journey but I am slowly moving towards the end goal of being debt free (aside from my mortgage) and feel that a diary at this stage may be helpful and may give my wife a break from me talking about CC's, overpayments and savings! Firstly a little bit about me, I am a…
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From Bad to Good and back again
Hello MSErs! And so begins my sorry tale. Really, it began quite some time ago, when I was a fresh faced graduate with £9,000 of unsecured debt, a student loan and high earning potential. I haven't quite lived up to the high earning potential, but thanks to your help (I read lots of diaries without posting), I managed to…
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Here we go Lupus Lou....
Our debts have fallen by approx £7k over recent months without any effort, just by making regular monthly payments on our mortgage and secured loan, however that 2% fall is not enough, we need to up our game. Husband isn't really worried about debts to the degree that I am, he believes debts and credit cards are necessary…
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Repossession - Advice needed
We have recently had a buy to let house repossessed and sold for less than the mortgage value. I am expecting to receive a shortfall bill of £30,000, eekks. We are average earners and we do not have this type of money available to us. We do want to pay this debt and I know the mortgage company will accept a payment plan…
