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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…
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Gambling nearly broke me(and my finances)
I’ve suffered with gambling addiction for years with long periods of not gambling at all and equally long periods of gambling a lot! Early 2018 I had a particularly bad binge and clocked up extra £30k debt almost overnight, when I received my credit card statements the following month I sobbed! It was the most awful…
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Taking back control of my finances
Hi Everyone, I wanted to come on and start a debt free diary, and take some control over my finances rather than the other way around. I work in Finance and although I earn well, I also spend it very well too. I'm fantastic with preparing and analysing budgets, sticking to my own however is a completely different story. My…
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Emzmom fresh start
After being on the dfw pages for a few months i think its about time i set up my own diary i think it will help keep my on the straight and narrow... I am a mom to my dd and i not only want to help myself be better with money i want to help dd as i was brought up money is easy come easy go....this is not how i want to live…
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Here we go!
Hello everyone, I’ve been lurking on here for quite a few months now and have finally built up the courage to start my own diary. I’m married to DH and we have 3 boys DS1, DS2 and DS3. My husband is incredibly generous and a natural spender, whereas I enjoy saving. We are in a large amount of debt, but determined to pay it…
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Finally becoming debt free after nearly 20 years
I’m starting a diary to try to keep myself accountable as I near the end of paying off debt and I’m terrified about slipping back into debt again. I’ve found reading other people’s journeys motivational and hope that writing my own will help me too. I’ve had various levels of debt since my first credit card with a £200…
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Balance transfers
I have done a balance transfer but still owe money on the card. The first amount was 5p so I just thought I’d not done the correct amount. Paid it and checked again now it says I still owe £35.63 which again I have paid. What’s going on, any ideas please
