Debt free diaries

Hey all, Been here before and managed to get debt free and mostly I've stayed that way. I've just bought my flat so I am waiting on the mortgage balance to update on my online account which will happen in a few weeks then I can start on this DFW journey again. My Debts £TBC - Mortgage £0.00 - Sainsbury's Credit Card (SBCC)…

£67,031.92. Seriously. £67,031.92. That is a SCARY number. I can't believe our debt has peaked (and it is the peak, I am determined) at this level. Our light bulb moment actually happened a few months back, but it's taken since then of wrangling utilities and carefully watching out income/outgoings (using You Need a…

I am not quite ready to start this new and final diary (my 3rd diary) but I want to get this ready to motivate me for when the time comes (July 2020). I first came here in 2018 in a right old pickle. I had 7 debts in total: 1) OD 1 £1000 2) OD 2 £750 3) CC1 £3000 4) CC2 £2400 (Maxed out on those 4 debts). 5) LOAN £6500 6)…

I have just returned home and there is a caravan parked on my driveway. I have been away for 5 days staying with my son. There is a registration number on the caravan. Can anyone please advise me the best way to get this van removed.

Long story short and one that I guess is very familiar, I got into trouble when I was younger, hard. I guess I was never really taught about money and hit credit like it was going out of fashion during the payday lending boom a few years back now. I had been in denial for years, a familiar story of borrowing from one…

hi everyone. we had our Lbm this week. It's a shame it didn't come sooner but at least it's shining now. Hubby and me have both got horrific credit ratings (we're in the really poor bracket). Bad habits and no self control, coupled with living in a money pit of a house, a car that almost permanently needs fixing and some…

It's taken me a while to realise that I need help/support/kick up the butt with my debts. I thought I could keep everything on track, and that I had a plan... a good plan! Well sadly that wasn't to be, as mental health took a turn for the worse at the beginning of the year, and instead of my total going down, it was going…

Hi All I'm new here and thought I would start a debt free diary to try and keep myself motivated. I currently have the following debts:- £750.00 Tesco CC, £2,570.00 Virgin Money and £3,360.00 to MBNA making a total of £6,680.00. I'm fortunate that all of this is on 0% and I have worked out my monthly payments so that all…

I took out a loan as part of buying a house that had lots of category three repairs that needed urgent attention but the repayments meant things were tight and I let that notion slip every now and again so now two years later I am maxed out on my credit card. Nothing major but just no 'cushion' and the occasional 'sod it'…

I have about £6369.68 in debt with credit cards - luckily no defaults/CCJ's and they're both on 0% at the moment (Barclaycard ends in a few months but I'll do a balance transfer). I've got to make a change in my life. Back Story I started working just before I went to Uni - I was young, in love and didnt really understand…

Hello Everyone, I have now been out of debt for 5 months due mainly to a tax rebate and some PPI money plus me actually using a budget especially for Christmas and the summer AND sticking to it for the first time ever. Life itself is very unpredictable here so I don't want to set out a grand plan and have it fall apart due…

Hi all i have been part of this forum for 11 years. I still have debt and it's being chipped away at. I work 36.5 hrs and i am dropping to 32. I will have few short days a week which will be nice. I don't want to work anymore hours to get more money as I feel this amount is what i am mentally capable of at the moment. I…

So, here I am again... Almost debt free. I’ve been paying down debt on a 0% card and it will be gone in 6 months or less without accruing interest. But in the meantime, I keep going into my overdraft, spending £125 a week on groceries that are mostly ending up unused, in the bin or the freezer. I just got through a…

Hi, I've been a long time lurker on here and have learnt so much about paying off debt and making smart choices. I need a little bit of accountability, so have decided to start a diary. If anyone is on a similar time scale maybe we could support each other? I have a fairly significant amount of unsecured debt, about 31K…

This is probably the 4th attempt at this. At the beginning of this year I had a overdraft of £3000 that I was fully using and a credit card debt of £6000. Over the past 5 years I have been living beyond my means and also, bailing out my OH which I realise is terrible. He currently owes me over £2000. I got completely…

I haven't written a proper post in the DFW forums for a loooong time. I used to be on this forum all the time and it really helped me! Funnily enough I can see the points where my debt peaked were the points my posting here was at its lowest. I wanted to start a little diary because, hopefully actually for the last time, I…

Hi all myself & hubby have been on debt repayment plans for a few years now but we really want to properly start chipping away at these & concentrate on getting back financially healthy in order to move. Hubby lost a job a few years back and it's been a long slow climb back up to secure full time wages again. I was part…

Hi all, after reading so many wonderful debt dairies here I have decided to start my own dairy. My aim is to stop frivolous spending of money on unnecessary things and save more. My target is to buy a 2nd property on buy to let so that it can be my retirement income or can pass on to my only child so that they don’t have…

My spell is that in 6 months everything will be different - the same, but different. I drove through Cambridge today and I just thought - I would love to live there. It doesent have to be cambridge, but I love the trees and the bicycles, the parks and all of the people out. I am not unhappy, but I am not proud of my job,…

Hi All I've decided to start a DFD and am also after some opinions on how I should proceed with my financial situation. My heart says one thing but my sensible head says another! The story so far: - I currently have a bank loan which stands at £24,700.24, including front loaded interest. The original loan was £25k with the…