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KMNs diary - curbing spending and maximising saving with a new baby
So maybe a bit random to have a diary when I'm not in debt, but I am about to start my maternity leave (at the end of the month) as we prepared to welcome our first child in early March. We are incredibly lucky to be quite comfortable, own our home (mortgaged) and both able to put some money in savings at the end of each…
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Attention Deficit Debt Free Wannabe
I've decided to start a diary after reading through other peoples and being inspired and receiving some great advice 😀 I won't rehash what's already been posted. My original SOA and questions: Today is mothers day, so plan today is visit mother with DS and drop off cards and present, a box of Ferrero Rocher, paid for out…
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Moved
Moved to retirement planning.. .
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It's me, hi, I'm the problem, it's me
I am my own biggest problem and obstacle in life. It's time to change for the better. I'm doing a lot of thinking about changes I need to make in my life to better prepare myself for my future.
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Weight loss and healthy eating for a debt free life
I've been thinking about this for a while and I've seen a few other people mention weight loss so I wondered if we should have a thread. There's a giving up alcohol one but obviously we can't give up food. I also realise that not everyone with a food buying problem is overweight. I overbuy and some of the overbuying was…
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Tryingtobesensible2026
Have lurked and read a few of folks diaries and inspired to start my own. I have my mortgage as my main debt currently owe £89509.05 on a five year fixed rate coming to an end April 2027. Very aware and watching interest rates at the moment regarding this. I have to thank one diary member for an idea from one diary I read…
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Walking into another chapter ...
Welcome one and all ... to those of you who have managed to avoid my diaries until now as well as those loyal ones of you who have stuck around over the years, thank you :) So another year is about to begin and now seems as good a time as any to start a new diary. This will be my 11th (I think?), I've been around here…
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Will I ever get it?
Many moons ago I was a DFW and did really well for a while but then life drastically changed but I find myself here again but in very different circumstances. I am in my fifties, happily single with a variety of pets. My debt isn't huge (about £2300) but I am unable to work so finances are limited. I do get frustrated with…
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Should itsthelittlethings spend less on coffee?
Hopefully this works as an all new diary for me. Will add my debt into my signature and keep track of how I do going along.
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Take my life back
Hello everyone. After keeping my head burried in the sand i decided that i need to take back control of my finances before mental healt deteriorates even more. Everything was perfect…until divorce. A few things that i would like to clear out, I'm now renting with my partner £1250 but also pay my solo mortgage £1250 for the…
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Getting Started (Again)
So having cleared over £18k of debt around 15 years ago, I know find myself in the unenviable position of having accrued debt and trashed my credit file once again… Things are very different now to then, but for various reasons I have only recently managed to turn a corner and really faced up to the situation. I made use…
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Time for Change…..
I’m heading rapidly towards my half century and still don’t feel like a proper grown up in charge of my own destiny. It’s time that I pulled on my big girl pants and start facing facts and taking responsibility for my life. After all, I am the only one that can do it! I’m going to use this diary to keep up momentum and…
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Debt Free by 30!
Hello MSE Forum readers! If I was to look back on my 20's as a whole, it has been heavily dominated by my money troubles. Whilst other global issues have had their impact, my poor management of my money as well as a gambling problem I struggled with when I was younger stopped me from having a lot of experiences others…
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Here I am ...
Hi everyone, back again to start keeping track. I started to do my SoA but got so overwhelmed that I haven't finished it off. Husband has been made redundant so we need to really tighten our belts, and just as we started to do that our dog was very poorly. Luckily she's fine now, but even with insurance it's going to cost…
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Spendy Wendy to Saver Savvy
After lurking for what seems an age, I have finally created an account and started to interact this forum :) For years I feel that we have been flying by the seat of our pants, not planning in advance, using savings and investments to pay for holidays and other luxuries and just not really having control on our finances.…
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Mentally exhausting
Hi all, this is my first post but a long term reader of this forum. I have been in debt my whole adult life and now in my early 40s. It all started when I started work at 18 in a high street bank and had access to easily accessible credit which I kept consolidating and taking out more. I was on top of my debts but my OH…
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Back in debt after clearing it in 2013
Here I am again, back in debt 😩 I cleared 17.5K back in 2013 using the suggestions on this forum, but life (and a complete inability to manage money) has led me back to being in debt. Granted it's not as bad as before, at least the LBM was quicker this time around 😆 but it needs sorting. I did start doing a payment a day,…
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The Little Cottage by the Sea
Hello my loves, I've wandered these threads for a few years and old versions of myself have had different user names and different diaries. I feel like this is a new chapter. One where I'm content and capable and I hope to bring you along for the story. The diary title is me manifesting the dream. I have come a long way,…
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The Debt-Free Journey Begins....
Good morning all, I've looked through these forums for some years and taken lots of good ideas and inspiration from other users. So thank you. But now it's time I actually hold myself accountable for my own messy finances and lock in to becoming debt free and on the right track to live a much easier life financially. I'm…
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One day at a time
Im starting this dairy to keep track and hold myself accountable. unsecured debts of £54k. Have clearly been living off CC more than i ever realised. All been low apr or 0% BT, now coming to an end this year, interest is killing me, monthly payments circa £1200. My OH knew nothing of any of it, they knew we had a loan and…
