-
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…
-
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…
-
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…
-
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…
-
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…
-
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
-
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…
-
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…
-
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…
-
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…
-
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,…
-
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…
-
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…
-
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…
-
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…
-
Credit card debtcycle
Credit card spending
-
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…
-
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…
-
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…
-
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…
