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Counting Down from £15K
Hello, I've been lurking here for most of this year but never plucked up the courage to post. I had my lightbulb moment in January this year when, saddled with £15K of debts, I got turned down by the bank for a consolidation loan which I had hoped was going to reduce my monthly repayments - which I now realise getting…
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We are about to pull the purse strings soooo tight!
Hi All, Like a lot of people on here I have been lurking on this site as a watcher for a number of years and during this time I have also watched our finances spiral out of control. Today I have had my LBM and oh boy could I cry. I have just done our SOA (which I will post once I've got all the info present and correct).…
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Finishing the race
So, I used to bounce around these forums quite a bit around ten years ago. Mine was a common story on here: I had a terrible credit rating, I was ducking county court judgements by the skin of my teeth and had defaults flying out of my ears. Total debt came in at around £23,000. Fast forward ten years and I’m in a much…
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Mummytogirls - taking the scenic route
Evening Diary, Well there seems to be so many diaries being deleted at the moment I have decided to start a new one to try and preserve my history on here. My first diary can be found here: https://forums.moneysavingexpert.com/discussion/2311479 So I started in March 2010 and it hasn't always been an easy route but weve…
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Mrs PG's Hopes & Dreams for a debt free future !
Now seems as good a time as any to begin my new diary ! Trawling back in my old diary , I had made a mention of my Hope and Dreams for our future, so decided to steal the wording for my new diary. In the absence of a lovely witty , entertaining title this one will have to do.:o So following on from Pinots Potty Debt Free…
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Did full and finals, can I get them to delete info I gave them re health?
Hiya, to get companies to accept my offers, I disclosed some serious issues re health, not just of my own but more importantly family members who I have to care for. I was wondering, can I get them to delete these details now for the sake of privacy?
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Building The Goode Life
I've written and rewritten this post so many times, explaining exactly how we got to this position. Our debts are relatively low now, around 3K, after years of fighting a 15K monster. I wrote how the debt isn't our fault, how other people's actions left us with no money to pay the bills and feed our children. That's mostly…
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could this be withdrawn?
Hi Everyone, As part of our snowball method we are lucky to have quite a big chunk of our debt on 2 barclaycards that have an offer of 6.9% for the life of the balance. This is good as it saves us a lot of potential interest. We're doing a snowball method so at the moment we are just paying the minimum on these 2 cards and…
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Today's the day
I love the idea of keeping a diary and keeping myself accountable. Today was the day that I've taken the leap. I've known for a while that I was spiralling out of control. It's a mess. I owe just under £20k and that figure is embarrassing to me. I'm embarrassed and ashamed I've managed to get myself into this mess and not…
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A fresh start on the long and bumpy road.
I've had a couple of diaries but I haven't updated properly for a while. After some big changes I have decided to make a fresh start. I struggle with mental health issues, anxiety, depression, agoraphobia... and I am again off work sick, been off just over a week. I was off for 9 months last year, I went back on very…
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Spend Nowt, Buy Nowt, Owe Nowt
How do I start what feels like yet another diary? After being on the MFW board I have come back to the DFW board to shift the debt we have run up in the last 12 months. A quick back story….DH and I are classic impulsive over spenders who went pop back in late 2008 and managed to climb out of the pit of debt we were in by…
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Tackling This Debt One At A Time
Hi I've decided to do my own diary (again!) It's been a very, very long time! My last diary was going very well until we lost focus and now fast forward to 2021, I'm still in debt but it's going down...again! Rather than looking at my overall debt, as the title says, I'm tackling it one at a time. As much as I would like…
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Life of a ‘soon to be’ reformed fritterer
Morning all, Shuffling back quietly into MSE land :) . I’ve had a few debt diaries here and thanks to the support of the wonderful diaryland people I managed to clear my debt twice. I’m starting a new diary because I have a tiny amount of debt (iPad died at Xmas) but to be honest the frittering habits that keep bringing me…
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Paid off the £31,000! BUT - still scrimping!
Here’s to my new shiny diary now that I am debt free! I have finished my previous diary which detailed my debt free journey. This went well for some months – I then failed dismally, managed to pull myself together to pay off half then had a lucky windfall which cleared the rest. If you want to have a look it’s called…
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Chopping away to be df! May 2022
I am a mum of 1 and have a partner i desperately need to be df. I have £6700 to pay back to my mom for a loan by the end of this year and just over £8000in total debts everywhere else. Time to get everything in order first by cutting back on spending on rubbish. Tomorrow sky is going only £21 a month but seriously we never…
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Newbie very first diary
Could someone talk me through how to post a debt diary? Do I just post it here or is there a special place to do it? TIA
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Done it! Grateful to so many of you who shared their own challenges. You often said what I couldn't.
Thank you. Yes you if you have posted in any way in this debt forum. The stories and the responses picked me up because I realised I wasn't alone, life could be worth living despite debt and people cared. Sourcrates stood out, the advice to so many helped me breathe when at my worst. a. The date of your lightbulb moment At…
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A year into taking control.... Now is the time to ramp things up
So, here I am. Its been a turbulent few years with one thing or another, too much to go into here. Life changing goings on; death of a parent, a family (I use the term loosely) dispute through the courts; and a house move in late March 2020 in the first week of lockdown, Just over a year ago, with cards maxed out due to…
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Getting a grip of my finances
It's time for me to properly get a grip of my debt and get rid of it. In January 2020 I had £24,600 in debt which I accumulated between 2015 and 2018. In 2015 I went self-employed, and basically used credit cards to plug the gaps in my income. I also made no provision for tax and national insurance. My finances were a…
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Gambling Recovery and COVID job loss
I've posted in a separate forum but thought it was a good idea to start a diary as my debts over the last month have racked up considerably. I lost my job due to COVID, lost my sense of purpose, and started gambling heavily. Over the course of the last 2 weeks I've lost £12,500 gambling and this has forced me to take out…
