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Keeping afloat till I can get round to the debts!
So here goes with a brand new diary. With the financial situation across the country as it is I'm going paycheck to paycheck and debts seem to be going up not down. It's time to take stock. Focus on the money actually lasting the month and forming a new plan. I've never been one for following the American debt fella but I…
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10,000 steps, 1 step at a time.
As always with the start of these, long time lurker, first
time sharer. This past year I’ve become very serious about my finances and it’s
paying dividends (excuse the pun!). The purpose of this post and blog is to
share my journey from the past year, what impact it has made, and be a record
going forward of what happens…
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2024... Debt no more🤘
Hi all, here I go to ridding myself of debt for the final time. I don't want to work forever and would like some good savings before I reduce my working hours. I'm not getting any younger and suffer with various ailments so instead of borrowing I need to pay off what I owe and save instead. Previous borrowing was always…
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Plodding Along
I've been on here for a good few months now so it's about time I start my own diary. I have been in debt since I was 18 when I got my first credit card and I'm 41 and a half now. The debt has fluctuated over the years with the highest being around the £20k mark, but my head was firmly buried in the sand then. I started to…
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2026 - The year I sort my finances and declutter my life!
So, I am feeling a bit fed up at the moment - no real reason in particular, but somehow over the last year I have amounted a total of £8032.20 in debt. Various things have happened to contribute to this, but I think 2026 is my year to wipe this out. And I only live in a small house which feels a bit overwhelmed with stuff…
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Fall too Pieces
Hi Guys i am starting a new journal i am in the process of closing my former journal/account down. I will post on my former debt free diary so people know who i am soon. I recently went through a separation so things are not great at the moment. Alot of the guys will know me as the survey guru lol I will post again soon
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Recovering Gambling Addict Aim To Be Debt Free
Hi I have struggled with controlling my gambling addiction for the past 13 year and I seem to be in a much better place at the minute. I am happy to say I have been gamble free since 8th June 2019. However this has resulted in various debt problems due to my addiction. I am hoping to be debt free by the end of 2021 when I…
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The Sea is Calling
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…
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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…
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Becoming debt neutral - a long haul!!
I'm starting a diary here as I have decided that I want to start focusing properly on becoming debt neutral. I have been thinking about it for a while now and started the process a couple of months ago but feel that it's the right time to start a diary to help keep me on track as I have a horrible habit of spending…
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My debt free plan for 2026
Myself and hubster have decided that we need to finally clear our debts. 5 years ago we bought a house that needed a lot of work that has swallowed all our spare cash, around 70k to date, it's a very small house and it has been updated rather than a full reno. It was just very old fashioned and the bathroom hideous. We…
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Moved: Trying
This discussion has been moved.
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Breaking through the £37k of debt
Hi everyone, I read a number of diaries here and I figured it's time I should start a diary of my own as a means to help track my progress on getting rid of the debt and possibly help me vent and unload some of the personal and family life struggles and challenges. Our position isn't bad but I'd like to clear the debts to…
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Confessions of hidden debt.
Over the past several years, I have racked up credit card debts amounting to 41K in total. I have hidden this from my husband, and we have two young children together. The shame I feel is terrible and I know I have betrayed his trust. We are currently looking to remortgage and I know I need to let him know, I am fully…
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14 months to go!
As moneysavers go, I've never been in the depths of being in debt. I'm more of a 'there's always something' at some point in the month that happens, that messes my beloved budget up and I predictably feel down on myself for either not being prepared or not foreseeing something that I should! I live on my own (apart from my…
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Confessions of an Amazon Addict
(I may have mainly used Amazon for the alliteration, but it does take up a large part of my spending!) Here I am again, it seems. another lightbulb moment and another night figuratively beating myself around the head with the lamp attached to it. I've always had a penchant for spending and I'm a marketers dream. That new…
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Here Goes
So, I have been lurking for a while now and seeing everyone else make progress has spurred me on. I'm 38, with a 7 year old daughter and a dog, her dad lives abroad and flits in and out. He doesn't contribute anything financially. I pay every bill, activity, Xmas amd bday, but when he does visit he helps with pick ups etc…
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Another debt free wannabe
Afternoon folks, I'm starting a diary on here primarily to track my thoughts, repayment and spending habits. Maybe to find a sense of accountability too. Long story short: been in debt pretty much my entire adult life whether that be due to stupid lifestyle spending, necessary house repairs or due to a recent period of…
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Sobering up; paying down
Hi, I've started a thread or two here before about clearing my credit card debts but never stuck to updating them. I've been burying my head in the sand and I can see that my debt is only increasing, as I keep spending even though I'm making payments off my credit cards. The main thing that is keeping me stuck is that I am…
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The Three C's - Coffee, Clothes & Credit Cards
I'm back again and I thought I would start a new fresh diary. Life has been hectic for me in the last 6 months with some unexpected expenses that have sadly led to me getting into some more debt. Fortunately it is all on 0% credit cards and I plan to tackle it £1 at a time. Technically I do have enough in savings to cover…
