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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could this be withdrawn?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…
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Puzz tries again.. this time with claws... My DMP Journey. I will get debt free...
Hi, I'm Puzz, and I've been hanging around these dfw threads and diaries for a long time now... I've tried many times to sort out the money mess I have made but have now hopefully settled on a path that will lead me to where I wish to be... What I don't know is how I didnt' know about DMP's before, as I say I've been here…
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Nearly at journeys end has felt like a long drag
Started off on April 1st 2020 owing £35048, seemed like a overwhelming task. However through dogged determination and a lot of "going without" and selling unwanted or unused items as of the end of this week it will be down to £12300, used the waterfall method, paying off expensive debts first. However bad it seems it can…
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Making my mess my mission
I have been reading these diaries on/off for years but never got to the point of starting my own one. This time I feel much more determined. Don’t really know what has change. I really started by addressing my food problems and realising that I’m a sugar/processed food addict. I have been working on that for months and…
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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…
