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Hope,Promise and Opportunity
Well I've been wanting to start a diary for ages and not got round to it! story of my life. Need to be braver in my actions in 2023. I love the song Brave by Ella Henderson. It's one of the current songs in body balance. I absolutely love body balance. Mindset also needs to change. Have been stumbling along recently. Me,…
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Living in the present for 2022
I'm starting a new diary for the coming year. I didn't use my last diary as much as I could have, but I'm hoping to change that this year because I need help to focus on things. I've realised that my coping mechanism for the last few years has been to spend most of my time making plans for the future, and thinking I'll…
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Clearing My Debt
Hello All! I would like to remain anonymous but I am starting my own diary to keep track of my debt clearing progress. I will not delve into too much detail as I am not sure it would be allowed, but since the age of 19 I got into a bad habit and managed to get myself into a considerable amount of debt. Fast forward five…
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Pay for the future and not the past
I have read so many diaries recently and having kept notes of my own, i felt instead somewhere to put my thoughts where they will stay, will support my idea of clearing my debt but more importantly keep me accountable doing so. So here is my Debt Free Wannabe Diary - Pay for the future and not the past. This statement is…
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Take 2, a shopaholics diary
its been a while but Im back. more in debt than ever which is frustrating but the past year has not been kind to our family and we have spent way more than than expected due to some things that have cropped up. husbands car got written off which was not ideal, nor is the fact that he went out and bought a replacement so we…
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New fresh diary for 2023!
New year means a new fresh diary! So, going back to when it joined the forum until now; January 11th 2021 Debt - diary said 5k, but was 6k. Was this my lightbulb moment, no. Was I accountable for myself being in debt, not really. October started a second job at Sainsburys along side my full time job. Extra money towards…
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*sigh* this is still taking a while, but moving forward (slowly!)
Hope everyone is enjoying their Christmas so far :) After 4 years writing (sporadically) on my previous diary, I thought it was time for a sparkly new one. A lot of things have changed over the 4 years - I just have 1 job these days, my children are all that bit older, our house renovations are complete and our debt is…
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Autumn years debt fighting
This is my second diary on here. My first diary detailed my debt busting whilst working full time. Unfortunately I had a long period of ill health so things went off track, including finishing work for quite a while I’m now back in work - part time ish and have had to arrange a DMP for my unsecured lending - I still have…
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Trying to reboot my journey without burning out
Hi there in diary land, I have been here before but diary long since been archived, so thought I’d start a fresh. A bit of quick background: single, 50 year old gal, no
children, love travelling. Due a disastrous business investment, a long term relationship
breakdown, I found myself with 25k debt,
no home, no savings, a…
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The Four D's
Eventually doing this, i have spent months lurking and reading some of the fantastic support this forum gives to people. The endless success stories and also the inspirational people and their diaries..too many to mention, don't wanna go on forever in my 1st post but this is time for the journey to begin. So..the four D's…
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-£40k... -£10k... -£5k... -£3.7k... -£2k to debt free to +£16k !!!!!!!!!!
I’m hoping
this message is in the right place. About 2.5 years ago I got to the point where my debts had escalated to nearly
£40k :s , through a combination of high interest loans and credit card debt, across
11 or 12 different accounts. It was mostly built up through consistent overspending and a little gambling, in
a job…
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Starting on the Debt-Free Journey
Hi All, I want to take accountability for the debts that I've built up over the last 10 years through a lack of budgeting and a "Sod it, I'll just get it" mentality, along with animals which had issues which weren't covered by their insurance. I've done my SOA and the biggest area I need to cut down on is buying lunch at…
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Relentless debt
Back again, like the proverbial bad penny. Life totally sucks. No money, growing children and no skills to earn a wage. I honestly thought about not coming home today. I applied for two jobs this evening, but unlikely to be considered as I have little to offer them in the way of experience or talent. Not sleeping, not…
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Getting Over "The Terrible Mistake" and a Debt Free Target by 2025
Hi everyone In January 2022 I had to sit down and tell my wife that not only had I managed to lose over 100K in inheritance but tried to recoup those losses through adding approximately 25k in credit card debt. COVID also caused a huge drop in income. Through a couple of really crazy investments (Avoid AIM investing like…
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Mid 30's, Single Mum, £30k debt and Moving back with Parents
Hey! Brace yourselves, because its a long one! I'm a long term lurker on these boards and thought I'd make my own debt free wannabe diary, purely to keep me accountable and having things written in black and white makes everything much clearer for me. I'm 34, a single mum to 2 boys (one with ADHD and Autism) and I somehow…
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CCJ on land registry
Hi, I’m looking for some advice. I have recently looked at my land registry documents and there is a CCJ against the property from 1998. This was placed on the property by Lowell Portfolio 1 Ltd. I contacted them and they said that the do not have an account in my name. I have no knowledge of this debt nor have I been…
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16 Months until I turn 40! Forever Home Required
Hellooooo.....long term stalker of many diaries on here. Decided to start logging my journey on here, for advice, tips and to keep myself accountable for where the moneys goes...I'm a terrible saver and spend unnecessarily a lot :naughty: Long story short...or ill at least try! I have had unsecured debt for a long time,…
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Washing Away My Debts By 2024
I have spent sooo many hours on this forum reading such a brilliant collection of people's debt free wannabee diaries and I have never felt more inspired to tackle my batch of debts head on instead of waddling on by every month paying off the minimum hoping that one day they will simply vanish. My current debts are as…
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Mints, Marzipan and Praline chocolate
Here I am carrying debt again...and again, trying to get rid of it. I haven't even gone through it all to see how much I owe, but I'll get around to that soon enough. My current focus is on repaying this little lot: £100.39 TCC - 06/22 - paid in full 28/05/23 £492.21 TCC - 07/22 - paid in full 28/05/23 £249.89 TCC - 08/22…
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Third time's a charm!
I'm back with my tail between my legs... I'll go into more detail at a later date but need to take the plunge and start a new diary! I have been lurking for a few days, too ashamed to come on and admit the truth! The Good * I'm back! I have read through my old diary (which apparently got abandoned early in the pandemic)…
