-
Keeping focussed
Hi all, very long time lurker here (maybe 7 years!). This board has been an absolute inspiration over the years and debt had risen and fallen - but I’m nearly there. So thought I would do a SOA and see what you amazing people can spot for me on my final push to be Debt Free. I have no Mortgage and own my house. To avoid…
-
Another debt diary
A bit of a monster to get through as I enter my 40's... There will be a drop as my regular tax saver comes through next month, which eats into the % paid of the LBG account the rest of the cards are low interest of interest free - next card to tackle is the Halifax one followed by the Virgin card... Payday is mid month so…
-
This Will Be The Year!
Hello there *shy wave* I thought it was about time I joined. At the moment my debt total is a somewhat scary £7.5k (guesstimated but will sit down tomorrow and work out the definite figure) and this time last year I was almost debt-free, so it’s time to sort it out once and for all. About me... I’m 29 years old, rent with…
-
Taking control
I’ve decided I’m finally going to take control of my finances! At the age of 36.5 it’s time. I bought my house on shared ownership in Dec 18. What I knew then but didn’t do, is that I needed to budget and stick to it. I’ve never been good at it, ever. But I never had the worry of paying a mortgage either. I was fortunate…
-
Purchasing a refurbished property
We are currently negotiating to buy a house which has been refurbished. A private builder completed all the work. The guarantees for the heating and newly fitted flat roof hold the builders name. We are led to believe these guarantees aren’t worth the paper they’re written on. How can we protect ourselves ? Can the Vendor…
-
what a year!
Hello, I haven't posted in a while! But I thought I would update everyone on my situation since my last post! (It's not good!) Furloughed for 3 weeks Grandad passed away Sister currently has Coronavirus! Cat cost me £1400 in vet bills! :o Long story short, I'm worse off than I was last year! BUT I'm determined to get my…
-
Building a Brighter Future
I have decided this year to give my life an overhaul. We are comfortable, we have a small amount of debt (£6k), with about £15k in savings and we overpay the mortgage by £600 a month. Our joint income is about £5,500 a month and I honestly don’t know where we spend it - we should have about £1.5k a month spare after the…
-
Waiting...
Hello All :)
-
Becoming a Frugal Dougal
After nosing through a few of these threads with great interest, I have decided to create my own! Hopefully one day I will be able to look back and see how far hubby and I have come. And when I say Hubby, I mean mainly me. When we met, he lived in a house that he had saved a very large deposit for. He has always been good…
-
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…
