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Slow progress but the journey continues...........
So here I am back again after 2 years away from MSE - lost access to old user name so a new shiny username deserves a new shiny diary. I first started coming on MSE about 10 years ago would make some progress stop posting for a while and come back with the debt even bigger than before. At the last light bulb moment…
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Becoming My Own Best Friend Instead Of My Own Worst Enemy
Hi there everyone! I came across this forum whilst searching for wanting to be debt-free and I have spent a few days browsing other diaries before deciding to sign up and start one myself :) My diary name came about because at the moment I feel like my own worst enemy - I set a budget, I don't stick to it. I clear a credit…
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Bailiff Related Advice
Perhaps the wrong forum to the bringing this up on, apologies if so. June 2019 a friend of mine needed help moving house. He can't drive, I can, so we rented a van in my name. We go through Dartford Crossing, he forgets to pay the charge, logs in a few days later and pays the amount requested. He paid £6, as I understand…
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Debt Free by 60
I guess I hit a lightbulb moment in August on my 55th birthday that I didn't want to be still in debt with my own personal debts when I reach my 60th. My total personal debt on 21st August 2019 was £11.024. On starting this diary, my Nationwide loan balance was £7,682 (3.2%) and I have a Nationwide credit card (18.9%)…
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Claiming back my life after trauma
Well, I've been meaning to start a diary for some time. I've been a long time lurker but have set up a new account to maintain my privacy following the worst year of my life. I have goals in mind both financial and personal for 2021, wanting to hold myself accountable and move on our recovery for myself and 7 year old son.…
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Flip Flop Flo is fighting to be fancy free
I'm trying to get debt free and build an emergency fund and house deposit. At current levels I am looking December '21 until I am debt free. I started out at £25k and am currently have around £8k. My husband works for the local authority but it's on a contract basis, though he started 3 years ago on a 6 month contract and…
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Mrs F planning the future!
It's really about time I had my own diary! I am a religious follower of these forums & of the site in general and although over the last few years we have been much better at budgeting and have paid down a lot of debt (although not cleared it), there is a lot of room for improvement and creating a brighter future for hubby…
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Back again
Hi guys, Well where to start! I have had a diary before but have decided that I need to start a fresh. First a bit about me. I’m married and we have 2 girls. We both work full time and our wages are ok. We bring home approx £2,800 a month. DH sometimes gets a monthly bonus but we don’t rely on that. I get enhancements in…
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25 year old with autism debt diary
It's time to take responsibility?! Hi everyone, I have been reading some of your diaries and am so inspired and in awe of you all and your commitment to solve your debt. My debt isn't very large, (couple of thousand on credit card or so and thousands to parents), but it's big enough for me to worry about as I don't work…
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Fear of Spiralling Debt
Hi, First ever post on here - although mine and my husbands debt may seem small in comparison to others, due to my parents always having been in serious debt I have a fear of being in that situation!! Bit of background. Both are fortunate to have secure full time employment that has not been impacted by the pandemic and…
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It's all fun and games until ...........
You are faced with the possibility of losing your job:( Having lost count of the LBMs and diaries started its probably best to start with a quick recap using my guide of How to Get Yourself in Debt Step 1 - deny deny deny The main bulk of our debt was racked up years ago when we were earning ok but not fabulous money - but…
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Down with debt
Well after a lot of changes and things happening I fell off the debt busting wagon for quite a while, my old diary was long forgotten but now things are as good as things can be during this time and I’m back on it. I have got rid of a bit of debt during this time but not huge amounts and at least it’s not increased so…
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Happy future starts now!
Hello Everyone! :hello: I thought I would start a diary as I'm not sure what I'm doing with my life and need somewhere to track my adventure into becoming a debt free, home owner! I'm 36 years old and have no savings to speak of - I don't know how this has happened but I blame myself for spending to keep up with my friends…
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Milocat's Long Road Home..
Well I have to say I never thought I'd be back here. It's been 4 years and I've just re-read my old threads and basically want to kick myself repeatedly. The amount of excuses I made, all while professing how "on top" of things I was is baffling to me. The only good thing I've managed to do in the last four years debt…
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Getting back on track very soon
Thought it was time I started a diary, mainly to work out how to get through the next month before I can get back on track and start to reduce my debts again . I currently have £12,000 on credit cards most of which was built up when I was with my ex, mainly doing the house up and living a life beyond our means. When we…
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Young couple saving for a house while renting privetly and paying off a loan
Hi. I'm not sure if I'm posting in the right forum or if I should be posting at all as I'm from the Republic of Ireland and understandably a lot of the forms here are UK based but admittedly I love reading the diaries I have come across and it has inspired me to write my own diaries. Currency wise, my layout would be…
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Getting it together
Hello, So I've been having a read through some diaries on here and on the MFW board, and they've really motivated me to get my finances under control. I've got a small family of three, and I'd really like to buy a house in a nice area and be financially sound by the time DS is in highschool (about 6 years away). I'm…
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Trying again...
I had a diary on here before but I'm desperate for a fresh start. I managed to clear almost all of my debt and looking at the progress I had made is making me feel really guilty because now, a year on from being so close to debt freedom, I'm back to square one. £13,421.77 to be exact. How did I let things get back to here?…
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The first glimpses of light at the end of CC Debt Tunnel
My debt today is down to £17.8k thanks to additional funds returned from an aborted motorcycle ride to Malaga, and some servicing plan costs from returned from my motorcycle dealer. Projecting forward, I'm estimating Jul-21 as my last credit card payment - that about 9 months away and it'll be a big fat card cutting party…
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Ms_London is MSE-ing in London
The moment that I have been dreading for ages has finally been and gone.... I turned 30!!!! So as I do with every birthday, but ten fold with this one, I start having deep and meaningful conversations (with myself) about where I am in life, where I want to be, etc, etc, etc. So in between eating the profiterole tower that…
