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Debt free diaries

A place for MoneySavers to share their journeys towards debt-free living.

Merged: Double figure debt to clear…again!
This discussion has been merged.
Taming £12k
I meant to start this diary on 1 January, but better late than never, I suppose. I plan to add to it every day, even if it's not the largest update in the world, just to keep myself accountable. As you can see from my signature, I have four credit cards: CC1 - £1,418.78 CC2 - £2,097.48 CC3 - £4,250.46 CC4 - £4,905.78…
I've really got to sort it out
Oooooomph. Where do I start? I just struggle with impulsive spending and keep spending without sticking to the budget and get debt accumulated on my credit cards. It is nothing out there either, just toys for my son, but mostly expensive food and snacks and takeaways. A little bit of clothes shopping here and there (but…
Fresh Diary for 2024!
Hey all who follow along! Here's my new diary for 2024; Last year my beginning debt stood at £295. But now starting 2024 it stand's at £1,104.65 as I lost control and stopped tracking. Here's to being debt free in 2024! My goals for this year - Get debt gone - Buy my house (75k so nice and cheap) - Meal plan/prep - Cut out…
Here I go... Start towards my Debt Free Life with a Self Managed DMP.
Hello- MoneySaving/DebtFree Wannabe here!! Have been lurking and reading through the DFW threads for the past few weeks- a BIG thank you to all that post with your own experiences and knowledge- makes this situation of mine feel a little less lonely and scary. This coming month will be my first month I will not be able to…
In a rush.
Morning. I've been here before, but deleted my account as I probably overshared and then panicked that somebody I knew would read it. Me in a nutshell..... 2010- left my children's dad. He was abusive. Walked away with all of the debt. 2016- Had to sell the family home as I could no longer afford to maintain it or pay the…
Mimis money makeover
I am sharing my journey to become debt free to hopefully keep myself accountable. I have been in and out of debt for the last 15 years and although I can pay everything every month I don't want it hanging over my head anymore. I have in total £28509.95 in debt. Some of these are front loaded interest so if I can over pay…
Shopping addiction diaries
I have been a shopping addict for several years at this point, and I desperately need to change my ways. My current debts are: * Ratesetter loan - £4,364.55 * Monzo Flex - £83 Total: £4447.55 (It was higher than that but I managed to pay some CCs off this year.) I spend money on silly things I don't need - mostly clothes…
Debt Free in 16 Months!
Hi All, After being a silent reader for so long I've decided to make my own diary. It all started after taking out a loan for a car (which I thought I could afford). Turns out I could afford the car payments, but trying to afford anything else resulted in my credit card getting used more than I wanted. I ended up taking…
£7,000 in 7 months (Feb 2025)
Morning, I’m Mliz and I've been stalking the DFW forums for a very very long time 🫣. In that time I've paid off lots of debt, but due to my impulsive nature and love of instant gratification I’m back again. My total debt: Car Loan - £3,774 Credit Card - £2,600 Holiday - £948 Total Debt - £7,322 I hope to pay off my holiday…
Statement of Affairs
Hi all, I am trying to get debt free but it’s tough. I am posting my income v expenses and just wondered if anyone can help or give advice income 2600 net outgoings monthly rent 1000 childcare my share (600) car payment 234 (agreement ends in May) loan 1 £142 per month (ends September next year) loan 2 129 per month (3.5…
Round in circles...
So, here I am again, back after approximately 6 years after clearing all of my debt. I was approximately £25,000 in debt at that time and swore never to be in this situation again..yet here I am! I have been in denial for the last 2 years, paying the minimum payments on my DEBT cards and wishing for a resolution since…
On my way to freedom! £16k debt free wannabe
It has taken me years to get to this point, but here I am, hello. After researching on here all the people who have managed their own Debt Management Plans (DMP), this is the route I have decided to take. I was previously on a DMP, then token payments with Step Change. I have now cancelled this and am due to write to all…
My journey to health, wealth (well, saving for works to house, so not really!) and hobbies
Starting a new diary as feel like I need a fresh start/new motivation. 43, married, 2 young DC. Work almost FT (28 hours) in a professional job. No current debt (other than a mortgage) but been in serious debt in the past due to stupid choices, mainly to try to keep up with the Jones's. Still have a tendency to feel…
You can’t pour from an empty cup, the road to self care
As 2024 is almost here I think a new diary is in order. I will be spending New Year’s Eve alone, not for the first time, the difference being this time I don’t have a significant other who would call me, and make sure they were the first to wish me a happy new year. I will not dwell on what has been lost, but focus on what…
Spinning a New Story
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…
Debt payment tracker
This isn't a diary really but I need somewhere to write this stuff down all in one place so I can keep track and see it all together. Will probably just edit first post as needed. Advice welcome (esp if I'm missing something obvious) Debts Priority - Tesco credit card - £1,567.02 (interest rate something like 20%) Priority…
I've just realised ...
I have managed to get a new job, just worked out what my wages will be - thanks MSE wage calculator and they will increase by a third. This surely will make it easier to pay off my debts. I also have two side hustles so will need to keep working at them to make the most of this increase. I am just so excited when it…
My Intentional Journey to Debt Freedom
Hello everyone I have been following along for several years but only started posting recently. I have followed some inspiring journeys on this board and been amazed at the progress people have made - yet somehow never applied it to my own situation or considered that the lessons might be relevant to me. A little about me…
My accountability Diary for £42k!!!!
Hi, I've been a lurker for a long time and have finally decided that I need to start my own diary to help me stay accountable and get these debts gone. We are just about managing with a very tight budget but I want to try and cut things down more as I know they can be, I just need to keep track more of spending and stay…

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