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Last diary I promise!!
So my third diary!! Well well maybe I will stick at this one! So where have things changed... we got the keys to our first home in April 2020 after a worrying time with mortgage/furlough etc etc but we did it. We have loved the last 10 months in our home, there was and is still a lot to do but its been a great learning…
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Getting it together...one £ at a time!
Quite a few of you will have likely read my old diary but after a moment or two of paranoia at the level of detail I was sharing and how easily identifiable I'd be if anyone who knows me stumbled across my diary, I'm going back to the beginning to try to keep my journey safe. I've been on here battling with my debt since…
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Fiwen takes flight(?)
I had an unpleasant wake-up call recently, in which I realised at the grand old age of 29 I have always been living off the money of others, and that this life-long experience has massively warped my perception of the value of money, and given myself a very undeserved perception of having ‘wealth’. The reality is, there…
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One day I will be debt free...
Hi I’m starting this diary to keep track of my credit card debt. I posted another thread asking for some advice with how to tackle it - which card to start with and which to shuffle as I’m not able to get another 0% card at the moment. I can’t post a link because I’m new but I think if you click my name you should be able…
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Great news: You can now post links to your debt-free diaries in your signatures!
Hi everyone, Since it's been 10 years since Debt-Free Wannabes launched, we thought it would be nice to celebrate by allowing links to your fantastic Debt-Free diaries in your signatures. We've not allowed this previously as we try our hardest to keep the forum free of advertising, but seeing as this is just another…
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One gone one to clear....credit cards..
I keep meaning to start a diary to remain me on this! Yesterday was pay day I forgot I had a bonus from work!! So was very happy and thought I'll best put it to good use. One of my credit cards had £301 left on it. I did plan on paying it off 2 months time. Two months free of council tax and the surprise bonus has been…
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Been here before many times
Hi! I've been here before, although last time I was married and living with my husband, son and two dogs. Several months later, I'm almost divorced, live in a different city and am a single mum to an 8 year old and two dogs. I'm currently struggling month to month, despite being on an alright wage . This is mainly because…
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This is it *ping* lightbulb!!!
Hi all Been a member of this forum for a while, I thought I had had my lighbulb moment in the past but clearly I had not!!! We (OH and I) have nearly 44k of debt not inc our mortgage :eek: We have two gorgeous little ones and I am sick of having no money for them to do things (son is old enough to start swimming lessons…
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Bec’s head out of the sand diary
I’ve been in denial about my debts for years ever since retraining as a teacher years ago. Instead of asking my husband for help I’d carried on ‘managing things’ by myself in that time when I had no income (but still travelling to full time placements and college that was an hours drive) I used to pop things on my credit…
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Working towards being debt free and a new house.
This could be a long post with a lot of rambling :o as I'm not sure where to start. Me and DH currently owe £26,059 (I know right down to the penny what we owe :o ) and are working our backsides off to clear it all away :) This is only a fraction of what we originally owed. I've decided to post on here (it's taken me 18…
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New Year, Newly Single, Time to Get Rid of Debt
My rather bullying and emotionally unavailable other half left me just before Christmas - the relationship had been rocky for a while and he refused to get counselling so it was always going to be finite, but the way he did it was really uncool. He'd not really had much work or contributed financially for many years so the…
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It's complicated, but I'm optimistic.
It's been a long time since I was last here. My life has had some (admittedly self induced) turmoils in the last year. They're my issues and complicated, involving the end of a long term marriage. I feel a bit like a 'landed gentry' with a stately home asset rich, cash poor. And fairly heavily in debt. When I walked away…
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5 Years Free
Im a bit of a fraud, I have debt in the form of a 127K mortgage but none other. My marriage is over, and I have nothing but I have a plan. Background for context We did everything the wrong way round like many couples nowadays moved in together, children, marriage then purchased a house. Its not been a been a bad life we…
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Let's do this!
Hi everyone :hello: I've been a member on the forums for some years, but not been active for a long time. I really want to get myself out of debt and feel that keeping a diary will keep me accountable so I came over here :) My debt has accrued since my 20s where I think I bought things to fill a void without being able to…
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Finally found the strength to get debt free 💪
I've come on here a little into my debt free journey but I still have a way to go so I want to stay accountable for motivation. I started this year with £9850 debt. I was shocked when I added it all up in January, and after years of vows to do something about it, I finally decided it was time. RBS overdraft £1250 NatWest…
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New year, New diary - New me!
Hello everyone :) I’m back, this is my second diary, my first was very short and self pitying. I am a full time working mum with 3 beautiful girls aged 15,12 and 5 and I have way too many pets (but I love them even though they cost a fortune and will have everything they need but I will not be adding anymore). Having had a…
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Elderbridge
Has anyone had any dealings with Elderbridge Financial, took over from First Plus. I am in debt management plan £37000 left to pay want to pay it off and Elderbridge want £60000 on top in historical interest. Just when finally I was debt free,, this happens such a low point in my life now .
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The future is bright
I'm Birdee and am on a debt free journey. I've been adding to my debt for about six years, with the last two years being completely disastrous. My spending was out of control. I had completely buried my head in the sand. I was suffering from lots of self hatred and I just assumed I didn't have a future, so why did I need…
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One year on from lighbulb moment
I've not posted in such a long time but I am still on track and the debts are going down :smile:
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2021- The year of the DMP but hopefully better mental health!
Hey! Well where to start? My mess? Well the mess looks like this... 8 creditors owing about £27k...creditors are a silly consolidation loan, 3 CCs, 2 catologues, Next and 1 store card....no excuses I built the debt up by not being sensible and mainly not changing my habits when I went on maternity leave 5 years ago and…
