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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
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Paying my car debt off...
Hi All I used to be a regular here in the forums when I first decided to pay my debts off. My circumstances have changed since those days, my DD has left home so it's just me and the cat in my rented property. I have paid my debts and was debt free for a couple of years. However, in July after months of toying with the…
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Credit card
I'm 20 years old and have just moved into a flat with my cousin who owns the flat. I will be pay rent. I have finished college but haven't worked on a regular basis since then. I have just started a part time job 4 days a week in a coffee shop which I enjoy. I earn £800 per month. My wages are only enough to cover my share…
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Feast or famine
New user name but old forumite (just had my 10 year badge); I feel the need to confess without outing myself! My situation - me and OH, in our 40s, no kids, lots of cats, big fall-y down house with a bit of land in need of total refurbishment, trying to live the simple life but just living the expensive life instead! Both…
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The start of a long journey.........
Hello and welcome to my diary….:wave: I’ve finally got around to writing this, despite having my DMP lightbulb moment in July 2016 and contacting Stepchange for help. I’ll probably waffle a lot so sorry if you get bored but I like to talk and quite a lot has happened during my journey….. So, like others on here, this is my…
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My Snowball Diary
Hoping this helps. Looking to pay off all my debts before I reach 50 All my accounts are set up on token payments with no interest or charges being incurred so will be hoping to make the token payments each week and if I can afford it paying extra too I am 50 in 480 weeks so have worked out I need to pay £23.04 each week…
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No way out of debt
Please help, I am feeling really really lost and overwhelmed. I made some really bad mistakes 6/7 years ago and I’m in such a mess as I buried my head about it. I have around £22,000 in unsecured debts, all with defaults. I earn £1200 a month and have a spare £37 a month after I’ve paid for my basics such as bills,…
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overwhelmed new member
This is my first visit and somehow it feels like a big step ! I am a, relatively new, single parent. Massively in debt .... I reckon I should have it all paid off by 2099 .... Your stories , helpful members & tips look like they may help me to begin the long process of sorting this mess out. Emotionally , finally in a…
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Diary of an ordinary mum
Aarrgghhh!! Glad I got that off my chest :) Hello, ordinary mum here just trying to keep everything above water. Debts are totalling £12k which is being paid off via a Stepchange dmp. I've been doing this for about a year now so I've a review coming up. It's been difficult on the dmp I went straight into it, no savings,…
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Time for change
Good evening all. Im new here and I have been reading some of the threads in this forum and felt inspired to start my own journey & thread. I have been constantly living well out of my means and have just slowly built up a debt of around 26k on loans and cards over the last 10 years...it cannot go on! I want to draw up an…
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Starting A DMP
Hi As you can tell I'm new on here but have been reading alot of usefull threads. I am in the process of starting a Dmp, but am confused about somethings, so hoping I could get some advice.. So I am ready to send off all documents needed to Step Change. But confused about when I stop paying my creditors & my overdraft is…
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Plan to clear £34k debt mountain
As is the case for many of us, this COVID situation has prompted me to finally get my finances in order. I’ve made many attempts to do this in the past, but the limited amount I normally have left at the end of each month has meant my progress has been slow and, to be completely honest, has led me to give up many times. I…
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30 with 30k of debt
Hello, I thought I would start myself a diary so I can be more accountable for my spending! I had 3 children in 3 years and I feel with maternity leaves and me working jobs to fit around little children we just added to our debt every year rather than paid any of. In January this year we decided to take all 5 of our credit…
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Staying Debt Free despite huge income drop
Hi, was previously on here as igaveupnowimback but couldn't get signed in so had to create new account. Have had to change jobs - first time in my life was in a relatively well paid job - but have had to go for one with less hours - so will only manage to cover outgoings and probably need to apply for Universal Credit too.…
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I paid a discounted debt. Now they say it was a mistake and they want more.
OK The short version is. I had a CCJ against me. I was offered a discount if i paid in full but i was unable to do so and i was paying an agreed amount of £10 a month to Lowell. Recently i asked if the discounted offer still stood as i was now able to pay a lump sum. They offered me 50% off the amount still outstanding. I…
