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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.
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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…
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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…
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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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6 years...the count down is on
The 6 year time frame is for the defaults to drop of my credit file. Credit cards: 1892 Loans: 5369 Catalogue: 2507 Overdraft: 1176 TOTAL: 10944 Defaults: 9 I am going down the cca/unenforeable/sb route and have paperwork ready for a DMP once they come calling. I am 1 year into SB already and have been told one cca is…
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Taking one step at a time-after death, before birth
This is my 3rd diary on MSE, unfortunately not the one I was hoping for. Over 2 months ago my lovely fiance passed away. He was only 35, we were together for 8.5 years. He had a routine operation back in January and gradually got worst and worst afterwards. He went back to Poland where he was originally from to seek…
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Debt free in 18 months!
Hi all, First post here, but I know full well that I would have LOVED to read something like this when I was in the depths of my problems which I hate to say were entirely self caused through poor financial planning and over reliance on credit once my income fell below the level I was previously used to. I won't go too…
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Daisy's debt rambles
I wasn't sure if this was the right area of the forums for me, but ultimately, I have debt I do want to pay it down and eventually be completely debt free and work towards eventual (long long loooong time eventual) mortgage freedom and maybe, if I say it quietly enough, early retirement. In terms of debt busting, I (we)…
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My debt free diary (and first post)
Hi all, I joined this forum a couple of years ago but never posted for whatever reason. Today as I've started paying off some debts, I thought I'd use this as an opportunity to hold myself accountable to paying off some debts. I don't think I'm in the worst position, in fact I'm in a pretty good place despite having some…
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Here we go 2021 💥
So I need to get a grip with my finances. 💰 2021 will be my year I get them organised. Thinking of using YNAB to help, along with Dave Ramsey & good old fashioned pen & paper. For now I'm just going to write down any thoughts I have here as I've paid all my bills this month, so I can start this for 2021. PW ✨
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It's not all about the debt anymore........
This is not my first debt free diary (last diary was called new diary, new hope) but I have decided to start a new one, mainly because my outlook on life and debt has changed immensely over the past three years and I would like my new diary to reflect the person I am now. A little bit of back ground.......... My marriage…
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Picked up the courage - DFD Sept 2025
After reading diaries for a year, I finally found the courage to start my own. Other than the mortgage £211k 🤪, we have one loan of £14k (£15,405 with interest) to clear. Don’t have lots of spare cash currently to overpay but going to build up anyway I can, then send to loan when possible. Current monthly payments are…
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Young & Dum
I have struggled with money from the age of 18 and am
currently 25. I am trying to get my act together from now on. I make good money
but have been very bad with managing it. I think my first aim should be to
create a £1,000
emergency fund instead of paying off the debt. What do you guys think? To get to a £1,000 emergency…
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Light at the end of the tunnel
I just worked out I have £76,486.69 so I’ve decided to start my own debt free diary and I will be doing everything I can to resolve this. Felt so damn awful about this for so long and it is time I take action. It’s like I woke up and said this isn’t God damn good enough anymore. This doesn’t work for me. This ain’t gonna…
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A new outlook.
Hello everyone! I've decided to start a new diary for the last slog of my debt free journey. I've had diaries on here before and reading back through them I can see what a neagtive mindset I had around money and how to deal with it. When I started this journey in 2017/8 my total debt was: £15941.42 My current debt total…
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Our £20,000 Life
Hello anyone and everyone! Well, I feel mightily ashamed. Poor choices, bad luck and general "well, we'll worry about it next payday" has left us in a mess. When we bought our home we were close to being Debt Free, and now look at us! We had to scrap my car recently, and we did purchase what I think is a sensible and…
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Overwhelmed, lonely and constantly broke
Hi everyone Well it's exactly what it says in the title; I am all of the above. And why? I really don't know The same thing just happens over and over again ever single month. It gets down to the last week and there is nothing left. I pay my bills on time. I put aside money to pay off my credit card and then I have nothing…
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New goals, new diary
Hello! Thought I'd start a new thread, though I do feel attached to the journey my old diary saw me through! Really can't imagine having saved for our house the way I did without the help and accountability of this forum, and that diary. So last time I was keeping a diary here I was saving to get a mortgage for my first…
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Debt Free by 40
Good afternoon MSE, It's a new year and like so many the new year has brought with it a LBM for me. It kind of flickered on a couple of months back, and I made a start, but I had a relapse... Now I've truly seen the light and this year I'm sorting myself out and over the next few years I'm sorting out my debts. I turn 35…
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Finally Debt Free with (small) savings
Hello I just wanted to share with you that I have now been debt free (apart from my mortgage) for two weeks, and even have some small savings. I have been in tens of thousands of pounds of credit card debt constantly for almost 30 years. So this is a big deal for me. I haven't been a regular contributor on here for a long…
