Debt free diaries

Hi all, I've been lurking on the forums on and off (mostly off) for sometime now and had "that moment" when I have come to realise I'm really over my head and hiding behind yet more loans and further debt won't help. I feel I have got to this stage by each time taking a new loan to consolidate the last while spending more…

joining to get rid of my credit cards no other debts apart from mortgage which doesn’t have long left will list my cards, balance. Interest rates etc shortly

Hi, Me and my wife have been stupid with money over the last few years. we earn decent money but have big outgoings. looking for advice & ways around it please. nursery fees will be stopped in January which will help Income a month (after tax) Me - £2190 - Wife - £2500 = £4690 Outgoings personal spending - Me - £300 - Wife…

Hello there fellow wannabes! Starting a brand new diary for my lofty ambitions. It's me, my husband, our cat (plus an extra one who eats his food and sneaks in to sleep in our house but won't let us go near her) and we live in a Victorian terrace of an East Mids town. We are bookish and musical, and very social peeps, and…

I previously had a diary (well actually I've a few) but in June I had a big life shift which meant I disappeared for a while! I've had a few attempts at trying to pay off debt, made great progress and then progress stopped and the debt increased again. But this time I seriously mean business and I am determined to get this…

I’ve been lurking for a little while, reading and learning. After far too long of burying my hand in the sand and telling myself that I’m just not very good with money, I’ve decided that I need a new story. I can learn to do things differently. I don’t have to hide away from my bank balance. I can save for the future (one…

Hi everyone, I’m newly registered to the forum but have been reading these diaries for a few weeks and it’s inspired me to start my own one to keep me accountable and hopefully get the debts down! My problem is that I currently have a large amount of credit card debt through what I now realise is chasing dopamine. I get a…

So 2026 is going to be my reset year. Started September 2024 with 32000 in debt, cards & loans. By the end of December I will be down to 8995 - gotta add the extra just to get to a figure starting with 8! Hoping to clear the lot by the end of September 2026. I have a tax bill to pay by the end of Jan and the car MOT at the…

Hi all , Im going to start documenting my journey to financial stability and security. I have a post about my DMP here : https://forums.moneysavingexpert.com/discussion/6509459/at-the-end-of-my-2nd-dmp#latest My story is as follows: Debts at their highest - £11, 274.34 Debt-Free Date (projected) - July 2024 Debts March…

Hi everyone, This will be a bit long, please don't feel obliged to read - SOA will be posted below when I can make the time. It just helps me to think 'out loud' in writing, and hopefully to get some moral support as I go along. Introduction Well, it's been a long time since I was in debt. Maybe 15 years. My first ex got…

Starting a fresh diary. I don't really have a plan - I mean I do, but every past plan has failed, so I'd like to style this one out better. That's the plan. Budget is good. Will save a bit of electricity if I turn lights off. Am considering cancelling the TV License. Is it worth getting lifetime subscription to Microsoft…

I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…

Good day fellow DFWer's, Serial diary starter here, I know it's annoying, but in my ADHD brain I've had some changes so I need to start from scratch. I've just started on a new 5 year fixed mortgage so I'm going to set myself some goals over this period to get myself on track with my finances, home, weight and try to get…

I've been a member here for a long time, but for the first time I am going to create my own debt free diary. A little about me:nhs nurse, married mother of 2, and 2 doggie children. I have a bit of a problem with gambling, but hopefully I'm addressing it now I have used gamstop to block myself from uk sites. Lightbulb…

I have lurked for a long time on this forum, then joined and lurked (and lurked some more). Maybe should have gone with an Adams family reference for the title but ho hum I'm here now. I think I'm ready to start a diary even though I've had one running through my head for months as I had my light bulb moment back in…

Hi everyone! After spending some time lurking and reading other DFD's I've decided to start my own to track my journey to becoming debt-free. Right now, my total debt sits at £3,124.06, spread across two CCs: * Card 1: £826.70 (0% interest until 8th September 2025) * Card 2: £2,297.36 (0% interest until 17th January 2026)…

Hi everyone, Thanks for reading my post. I have been reading through the forums and not 100% sure where to start. I am looking for some advice as I don't know whether I should try and negotiate F& F settlements or first to ask for my CCA, all taken out around 2011-2014. I have been paying £5 a month to each creditor for…

Hi everyone I’ve been around these forums for a long time, but have been very sporadic for a while lately. The debt is still there and hasn’t been dealt with - but I honestly feel that 2025 is the year I get debt free. My OH and I have just finished paying a large loan that we’ve been paying for AGES. Before this we had no…

Hi all, It’s been a very long time since my last post, so apologies if it’s not done right. I’m 46 with two teenagers from my previous and a 5 year old with my current partner (this will become relevant). When I was with my ex wife, life and finances was slightly different in that cash was readily accepted everywhere, so I…

Hi everyone I'm back again, still trying to clear the debts. I won't go into a long explanation as to where I've been (no excuses - I've just been rubbish at coming on here), but I'm just so sick of being in debt, I have to get a grip on it. Got to hustle my way out of it, any way I can (legally of course!!). The plan?…