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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…
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Job on the line. Debt must go!
Having started my MSE earlier this year, I am starting a diary in order to benefit from being more controlled and paying off all this debt. I was married at the end of last month, it was a beautiful gorgeous day but now that we are getting down to the reality of married life I would like us to start paying off more of our…
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Focus, Action & Consistency is the Key!
:hello: Hello again, I'm MuffinTops and I'm in the exciting position of being Mortgage and Debt free. This diary forum and many amazing posters seriously helped me get to this position. I am in my 40's, single and living alone, and I do have a decently paid job. So what's the problem??? I have no long term focus. I became…
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Debt Free story
This isn't a diary as such, more of a story I wanted to share more for encouragement for anyone that may just be at the beginning, or indeed needing that little supporting hand to guide you over the line :smile: My debt came about as a result of divorce. At its highest in 2011 it stood at £54,638.14 with credit cards, bank…
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First Step On A Long Road
Good morning! This has taken me a few days after opening an account to get the nerve to write this post, but needs must and events over the past week or so have shown I need to start taking my debt seriously. Today is also a day where my better half is at work so I am able to sit and type this out without panicking about…
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Finally debt free
Hi all, First time poster, long time lurker. One year ago today I visited these forums for the first time as I finally felt overwhelmed by my debts of around £9k (loan and credit cards). I make a decent living as a single person (50k per year) but was in that awful habit of somehow “mysteriously” always being broke and…
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Time to put my big girl pants on!
Ok... brand new here, please be gentle! I'm starting this DFW diary to hold myself accountable, and to keep a log of how I get on. Brief intros and my reasons why! Husband and I are both in our 30s and have basically been living and spending like irresponsible teenagers! We've no savings, we rent, and I have debts up to…
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From £28k debt to debt free - my story *long read*
Hi everyone, please forgive me for I wish to gloat... a bit. But also to hopefully give a little bit of hope to everyone who finds themselves struggling. Sit down, grab a brew and have a read of my life story for the last 4 (ish) years. In 2014 I got my dream job in the NHS, I had always wanted it and after 2 long years at…
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Slowing after a sprint start!
My true LBM was December 2019 with an aim to be ‘debt free by 2023’. There have been numerous false starts over the years - I have printed off so many repayment plans and never stuck to any of them but this time it’s been different. So far. After calculating a snowball and really looking carefully at our finances we…
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Positive outcomes dealing with Capquest in relation to old student loan
Hi Forum, Looking for info from anyone that has a had a positive outcome in dealing with capquest (how did they deal with them etc). Mant thanks
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Nearly 30 and my life is a mess...
After burying my head in the sand for far too long now, I finally did the right thing and faced my debts that I've stupidly let spiral out of control 😔 I finally plucked up the courage to total them up on Tuesday and worked out I was £22,898.20 in debt 😩 I'm annoyed at myself for letting things get this bad and a tad…
