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Three Years of Tears to Yippee I'm Debt Free!
Hello All... This week I have finally faced my debt demons and I know I have to do something about it. I am 59 years old, married and financially, to the outer world I look like I am doing well, I have a good income, I go on nice holidays, drive a nice car and live in a nice house but I have been for the last few years…
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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…
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I have a plan - so everything is fine
First of many posts….Currently I’m 49k in unsecured debt. I’ve posted SOA and had some support and so I’m going for a DMP. This was back towards the end of June/July so thought I would post what’s happened and where I am. So my SOA compared to today…..isn’t it strange that in my head I was thinking I was paying £1400…
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Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
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Mortgage Free by 50???
Hi, long time lurker but first time poster! I am trying to
get my finances in order and stop lurching from paycheque to paycheque- only
taken me until the age of 40 to think this would be a good idea…hopefully
keeping a diary here will help me on the straight and narrow! A bit about me, married with two children- boy aged…
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Small steps clearing debt with paws by my side
I’m writing this before I think about it too much and chicken out. It’s terrifying laying everything out and even more terrifying posting it. I’m just trying to remember that even though my situation feels completely awful, I’m sure other people on here will have been in similar situations and worse. Disclaimer: I am very…
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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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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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Facing up and moving forward
Hi everyone, Newbie here who's been lurking reading and getting inspiration from all your threads for quite some time! I thought it's time for me to start my own, for accountability and to face up to uncomfortable financial truths I've been avoiding. I love reading about how others are sorting out their debt and hope that…
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£2,576.79 to clear by March
£956.15 on one credit card, interest free period ends 16th March £1620.64 on the other, interest free until the 1st March It's entirely possible that I can't quite manage and end up doing a balance transfer, but this diary is to give me the accountability to try my best. We've had a tricky year financially after my husband…
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Credit? Never again!
Hi everyone. I wanted to start a diary at the very beginning of our journey. We have debts of £70k. We've been trying to keep going, paying them, juggling credit cards, hoping we can increase our income enough to cover it........ but realise we can no longer bury our heads. I'm autistic and our family life is quite…
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AAAAAARGH
Hello! I thought that I should set up a diary to hopefully hold myself accountable for my finances. So to preface this I am 20 years old - yep… quite young. I’ve just set up a debt management plan with StepChange for my £7k consumer debt, with it costing about £170 for just shy of 4 years. How did I get in this debt? Well,…
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A marathon not a sprint……
I’ve been knocking around this board for a few years now, but never been consistent with posting. I’ve decided to start a new diary to celebrate the small wins and help to keep me accountable. I feel like I’m at a bit of a crossroads in my life and feel motivated for change and improvement in several key areas of my life.…
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Evasive action! Stop the trench becoming a hole.
I need to take evasive action, and I need to hold myself accountable. I'm not going to call where I am a hole. It's still a rut. A trench. I've got savings, but they are in accounts where they earn good interest rates so I hate touching them. I've just moved house, and I've been doing a money shuffle every month, borrowing…
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Never-ending story
It’s been about 6 years since I last had a diary and a lot has changed during that time apart from still being in debt. So a quick rundown I work in education, I have three children who live with me and three who are adults and live elsewhere, my relationship broke down in 2020, my mom passed away 2 months later, my nan…
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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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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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Trying to stay out of debt! [35/AuDHD/Cats/Frugal Living]
I'm not in TOO bad a situation but I get the feeling it could really get out of hand. I have two more payments to make to pay off a loan/credit card thing with my Mum. Work is difficult for me to access. I'm autistic and have a lot of difficulty with other people. Trying each day to remind myself that I don't have money…
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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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Debt free and staying that way while I re-evaluate life and keep blood sugar levels down
Well dear debt-free aficionados, after reading and commenting on so many diaries on this board, I am launching myself into the abyss! Although debt-free now, you do all feel like my tribe because over 3-5 years several years ago, I did manage to.pay off £140k. Yup, that's right; no need to clean your specs though please…
