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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…
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Time to turn this around
I had my lightbulb moment recently. Despite the fact I have a good job in an industry that means I should know better, I've got myself into a bit of a pickle. The goal for the next 2 years will be getting out of debt, out of the consolidation trap and into a good position re savings. The 2 years after that will be aimed at…
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Credit card debtcycle
Credit card spending
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Mission: freedom!
Hi all I've been a long time lurker here but having decided that I really do need to make some big changes in my spending habits I need a diary to help me log them/stick to them! Abit about me- I'm a full time working mum with two kids. My DH also works full time. We own (albeit with a big mortgage) a nice house (in truth…
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Adventure wanted, but first we must rid ourselves of debt
I’ve ummed and aahed about starting a diary on here for a couple of months, but have decided that it is a good way for me to keep track of how our debt reduction is going and hopefully on those dark days when it feels like we’re getting nowhere I can remind myself of how things have improved. Anywho, I’ll give a brief…
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Shipshape and Bristol Fashion
Hello, I'm a long time MSE-er venturing into diary land! I paid off over £20,000 2013-15, but have lost my way a bit since having a family. I find reading diaries on here so inspiring but struggle to get on and do things myself, so am finally taking the plunge and hoping to keep myself on track! I read a lot online (mainly…
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LIGHTBULB!
Does anyone else think of the minions/despicable me when they hear lightbulb? Today i’m starting my diary. I’ve previously been on the forum, many years ago and whilst my debt is better “controlled” it’s probably the same amount. It’s time to really knuckle down and get rid of it. So here we go. I’m 34, married, two…
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Advice on owing a solicitors bill
Hi I instructed a solicitor Nov 2019 , was informed by the company that money would always have to be upfront for the work. My case was due for court in Feb 2020 , prior to that the standard of work and communication by this solicitor firm become dreadful and my original solicitor who I had instructed with 8 yrs…
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Sixty thousand reasons to stay motivated
Hi, I posted my circumstances on here a few months ago
but have decided that I need a diary to keep myself on track. I have already
posted my SOA on my other post. I made an error and incorrectly listed my total
debts as almost 70K whereas it was actualy just under 60K. We had our LBM last Autumn when we realised that
we…
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Inheritance during a trust deed
Hi all. Looking for some advice on behalf of my partner. In early 2020 her father passed away leaving an inheritance to her and her siblings which includes a small property. Her share would likely be around 30-40k. She notified the trustee of her trust deed and it has been over 6 months since that point with no contact.…
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Never too old to learn
You know when you wish you could turn back the clock and not be so stupid? Well that's how I'm feeling right now. I have around £56,000 in unsecured debt which is truly shameful. It's all on credit cards and it built up purely by my own stupidity. I had a gambling addiction which I am so ashamed of and ran up many…
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Here I am again...
Hi I’ve been a member of MSE for many years. I would join in challenges and get a real buzz from no spend days, from moving energy suppliers, from bartering on insurances etc. I have been in and out of debt since I was 20 (now 40 something) I never considered it to be debt in my 20’s as I just paid it monthly and it didn’t…
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The long road ahead
Hi all, I'm wanting to start my diary to keep me motivated on the long road ahead. (I hope this is the right place to post). Had my scary LBM in July when mine and my husband's debt reached a scary £43,600. This is due to a combination of moving house, doing a Masters, fluctuating mental health issues and burying our heads…
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Why we spend?
I was thinking about this the other day in regards to my spending and debt. Has anyone read anything good related to why they spend in the way they do. I dont like to abdicate my responsibility to my childhood. But any resources that you can think of?
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Is there anyone out there...?
Good afternoon everyone! I've tried this a couple of times and made some good headway, but have also managed to slip back. So today I am starting a diary to keep myself in check! My backstory is I separated from my wife in May last year following a loveless marriage for the previous couple of years. It was an amicable…
