-
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…
-
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…
-
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…
-
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…
-
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)…
-
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…
-
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 ✨
-
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…
-
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…
