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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…
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Reel around the fountain
I’m not one for grand entrances so I’ll just slip in quietly
and see how it goes. I had a previous diary and toyed with resurrecting it, but
decided to start afresh. I’ll try to put
on a link but to save you the trouble of reading, here’s a potted history of how
I got here. Early 2013 – hit lowest point with debts of…
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Fed up of the debt cycle
Hello all, I have finally taken the plunge to create a DFD after being awake until 2am last night, thinking about money. I am off work this week, so obviously not tired enough to just crash out as I usually do! I have lurked on these boards on an off for a few years, but this year I really want to break the cycle of being…
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Is the end in sight!!!
Hi, I’ve been a lurker on here for a number of years and even set up a diary a couple of years ago. So why am I back, 3 years ago I took control of my life, got my head out of the sand and started the journey....and what a journey it’s been. We started out with an mountain of debt totalling over.....just cat bring myself…
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Debt free wife, happy life
I have been lingering about on this forum for months and it has been invaluable for ideas on how to save money, but now I need to put the theories in to practice! Having been inspired by the other diaries on here I have decided to keep track of my goals and progress in my own diary. I have frittered money away on clothes,…
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Milann's loan has got to go......
I have been following MSE boards for a few years now changed a lot of my ways and was virtually debt free - then I took a loan out a couple of years ago with every intention of getting rid of it quickly with my newly acquired money managing skills - but it just aint happened YET - but that is about to change....... We were…
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Monthly Commitments below £1000 diary 2021
Afternoon All I've been on here a long time, got out of debt and back in again, this time, since following Dave Ramsey, will be my last. I have a stressful job and not sure how long I can live with the anxiety on a daily basis, its making me ill. So I decided to do something about it. My task is to pay off my debt and…
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Starting over again.....again!
Not sure how to begin this, as it feels like I've been here a hundred times before! I've spent alot of time away from these boards aswell, so it feels like I've committed and act of betrayal! I also have this huge fear of being judged, even through a screen, and it sends my anxiety through the roof when I write anything…
