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My new debt free diary :)
Hi everyone! This isn’t my first debt free diary but I hope it’s my last :blush: I’m making this diary so that I am accountable to myself and I plan to update it as often as possible. I am 38 and have been in debt since I was 20 and bought my first car. Not massive amounts but enough to affect my monthly income. I have 7…
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7 years lack of control ... 18 months to regain it
I’m not going to go into too much detail but I’m £14k in debt after 7 years of no control , living for the moment. I’m getting married in 18 months and H2B has zero idea of my financial situation and I refuse to get married with this hanging over my head. In the last week I secured a new 0% BT card for 22 months and had an…
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A Lifetime of Debt - F, 40s, autistic, parent, professional
Hi, I'm starting a diary, as I always have a lot of thoughts, but I'll try not to disclose myself, as I really am a librarian and I'll want to talk about being autistic, which narrows down who I am already, although I should be safe! Between me and my husband we are in about 9k of unsecured debt, I owe just under 7k to…
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Still Vegan, mis-diagnosed Bipolar (actually ADHD) and Debt-free since 2020
So many years since my last post on this forum. I have been through so many transformations and leveled up my financial knowledge several times but I hit a sort of wall in my progress and decided to compare how I'm doing now in my so-called "struggle" with how I was doing back when I was in hard-core get-out-of-debt mode.…
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I shouldn't feel skint ...
But I do. I am very
ashamed to post this, but despite having a decent income I find myself having
to really watch my spending for the last week or two before every payday. I
also have stubborn credit card debt, accrued when I was younger and skinter,
that I should have shifted but haven't. I've recently had to borrow money…
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Barclaycard statement date calculator
Barclaycard don't make it very easy for you to find when your next statement is due. The logic, is that it's always the {N'th} WORKING DAY of the month. Giving them 20 statement runs a month. It would be helpful if you could find this data on your previous statement. Some maths later!! Here's a useful table for everyone WD…
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Opos Limited scam?
I just received an email from this bunch, checked online and they seemed to be a legitimate debt collection agency. I clicked the link to go to ‘my account’ online to be asked personal details including date of birth and contact details to verify I was the correct person. As this seems like a scam I called instead, only to…
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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…
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Getting out of debt poppy style
Time to organise my life and get out of debt. Currently single and in debt to the tune of around £21000, had my wake up call this morning when i got to work and my card was declined for a coffee :( had to borrow the money off a work collegue. Tomorrow i will raid my piggy bank and buy a flask and start making tea and…
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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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Falling at the final hurdle
So, I am a little bit late to this …. I am quite away through my debt journey. Probably about 20 years - that have nearly broken me - but have been better the last 4 years or so. Partly due to not being a single mum, my children having their own income, my salary having increased a bit and going into and coming out the…
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Retirement wannabe
Hi everyone Not sure this is the right place to be posting my diary but can’t see anywhere dedicated to retirement diaries, I do have some debt too so hopefully you won’t mind me posting here 😀 Been thinking about retirement for quite a while now. I am only 50 but definitely don’t think I could do another 17/18 years so…
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HELP, is this a scam? I’m freaking out
H i, I just recieved this via email. I’ve worked so hard to be debt free and I am nearly there but I have a fear I have missed something along the way. Is this a scam? It’s set my anxiety off and I am panicking
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Balance crept up ever so slowly... Now the wake up call
Hello everyone, It's a bit scary starting the thread on here but I feel like I need a accountability. I've managed somehow to accrue just under £1800 of credit card debt and finally smelled the coffee when the minimum payment skyrocketed overnight. I have gone through all my spending over the last two months, wrote down…
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From broke to better ..a journey
Hi everyone. Well today is, as they say, the first day of the rest of my life. The first real day of my journey to get rid of debt. I am alone in this. No partner and no family for support so I am finding myself tearful and scared. I know noone here can hold my hand, but I've seen so much support on other people's diaries…
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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…
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Fun vs focus
Hello. I've been wanting to start this debt diary since the beginning of the year, but I didn't want to get caught up in the ‘new year, new me’ frenzy. However, now feels like the right time to share my journey and keep myself motivated. I've already made some progress this year by paying off **£7,341.79**. Current…
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Almost at the finish line (original post closed)
Hello, it's been so long since I was here last that my original diary has been closed, oh dear! Well, that's how long it blimmin well takes to clear debts 😁 I wanted to update here that I've nearly done it. 2 more payments to go and I will be debt-free. I'm weirdly nervous! It's still hard! This community & keeping my…
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A Fresh Start, a year of growth and balance.
Here we go – a brand-new year, and a big milestone: I’m finally DMP-free! 🥳 A fresh diary, a clean slate, and I’m feeling ready to take on 2025. First up: finances. By the end of February, I want to have £2,000 safely stashed in an emergency fund. Having that security will be such a weight off my shoulders. By July, I’m…
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Must try harder!
To echo the words of many a school report, I must try harder! My dad often quoted ‘a fool and his money are soon parted’ and it’s taken many years and losing my dear dad before I really took it to heart that I am that fool. My position isn’t terrible, but I’m terrible with money. I often get to the middle of the month with…
