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Debt free diaries

A place for MoneySavers to share their journeys towards debt-free living.

For a Simpler Life!
Hello to everyone! I have been reading through the diares for some months and gaining lots of helpful tips and ideas. I thought it is probably about time I commit to my own diary. I dont expect it to be the most interesting of reads, but I am hoping it will help to keep me more focused and accountable. A bit of background…
2020 time to change
Hi there, I’ve been lurking for a while and have decided to overcome my online shyness and start a diary with the hope it will keep me on the straight and narrow. I had my LBM about 2 months ago and have read a number of diaries which I have found inspiring. I’m amazed that I let myself borrow this much money without any…
Wow, things are a bit different
A long time lurker, I’ve been both moved and impressed over the years at the kindness, determination & resilience of people on the debt free boards. So time to join them all. So technically I am not in debt at the moment (other than an alarming mortgage). However I left my job recently and don’t have a new one sorted out…
SAHM paying off debts slowly
Hello there. I have been feeling very down lately with money issues so thought i would start a new diary and hopefully get some very needed support from you lovely people. I am 34, married with 3 children. We have a fair amount of debt which we are just about keeping on top of, but only by budgeting very carefully. It just…
Giving up/ Cutting Down Alcohol Thread Part 16
And here's what she started!!! : Part 14 and 15 is[URL="https://forums.moneysavingexpert.com/discussion/comment/73803404#Comment_73803404[/URL] Part 13 is Here Part 12 is HERE Part 11 is HERE Part 10 is HERE Part 9 is HERE Part 8 is HERE Part 7 is HERE Part 6 is HERE Part 5 is HERE Part 4 is HERE Part 3 is HERE Part 2 is…
Extending our house without extending ourselves beyond our means
I, like many, have been so inspired by many others diaries (crazy cat lady, Pippi, Brizzle ) to name but a few. I thought it was time to start my own. I need somewhere to chart my progress. I often post on the small things thread on DFW which keeps me on the straight and narrow but I often have other ramblings beyond that…
Pay off now or wait?
Evening all, I have spent many years in debt, sadly! I now have £1,055 left on a credit card at 0%. I do have £2,000 to my name, but can't decide if I should just keep paying it off or pay it off all in one go now. The £2,000 is all I have to my name, so I'm panicking that if I pay it off all in one now, I won't have that…
Diary of a "Frugal Saver"
I'd like to start my diary by making a declaration - I am currently neither Frugal nor a Saver :o . I'm starting a diary in the hope that it will help motivate me to become frugal and once debts are paid off I would like to become a saver. I have been watching over this forum for a number of years and felt inspired by so…
Mid 40s - need to sort it
Ok, brief scene setting and history.. I’m 44 and DH is 42. We have 2 kids A, 14 and B, 12 and we’ve lived in rented accommodation since 2006 when we had to declare bankruptcy and give our house back to the bank. We live in an expensive part of the country but in recent years our joint basic salaries have totalled £90k but…
No Zero Days (unless it's zero spending!! 😉)
I've been lurking for a while and thought it would be a good thing to have a diary on DFW! There are lots of changes ahead for us (most imminent is dh working from the office again from tomorrow) and I think it's time that I got my MSE head back on!! ETA - No Zero Days refers to my decision not to have days where I do…
Credit cards and how worthy are we
I have around £6.5k of credit card debt left to pay off. I've not used any credit cards for almost a year. I have been in significant debt over the last decade, however finally in a better place, both financially and credit worthiness. The 3 credit cards I have left with debt on are all 0% interest. Well they were until…
10 years here. My final diary this time!
My signature looks horrendous but isn't as bad as it seems. It is a combination of getting the kitchen extension done last year, a car loan and holidays. I have been here 10 years now and have my no inroads into my debt other than the debt now is at least paying for proper things like extensions and cars rather than who…
Everything Must Go!
Hi all. I'm 19 years old and my partner and I have found ourselves with debts of between 5 and 10 thousand. I have serious mental health issues that prevent me from working and I also suffer from chronic pain, so all in all I'm a bit of a miserable cow. :rotfl: So far we have no SOA or really any idea what's going on, but…
1111
Removed
Katy goes debt free in 2021
Hi, I've been lurking for a bit because I really want to try and change my habits and get much better with money. I've already made a lot of progress, I did get into a lot of debt when I was younger and I'm a lot more careful now. I do work, I'm self employed, I do a mixture of private (self-sourced) work and…
Trying to stay in the black
Single mum of two desperately trying to make good financial decisions and get out of my overdraft despite endless outgoings!
making me happy
Hi, I'm not in debt any more, but I'm living with the consequences of having been rubbish with money all my life, so I feel that this board is the place for me. I want to focus on making some major changes in my life and for that I need money! So I'm hoping to use this diary to keep me on track.
In need of encouragement...
Lockdown has spurred me on to finally achieve my goal of being debt free. Ive worked out a repayment plan to pay down £298 per month (+ an extra £60 SO) on a 0% BT sum of £3400, which expires in the autumn. I'm paying off £400 on my wife's CC, £79 p/m until the autumn. After years of battling silly spending and past lapses…
Preparing for the biggest move of our life
I'm a single parent to 1 child. I work for a public sector charitable organisation, whom are making major changes. There are a few jobs remaining, though we have all been guaranteed the same job & pay if we transfer to the northern office...200 miles away. So after a few weeks of thinking it over, I am becoming more and…
Road to debt free life
Hi all. Here I am - 41yo in the middle of my debt free journey. Highest debt 19500£ Jan 2020. ( 1 loan and 2CC) Acquired mainly as consequence of number of IVF treatments and few holidays in between and no proper budgeting. Income is high and secure. Pension sorted. Managed to get loan down to 8015£ as of 08/2020 Loan…

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Debt free diaries

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