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The Frugal Hearth: Stories of Simple Living and Living Well
Hello, and welcome, one and all to my new debt free diary! My Journey I started my old diary at the beginning of 2020, a couple of months before the pandemic hit the UK and we went into lockdown. That diary can be found here…
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Here's to the Fools Who Dream
I will be 60 on March 2nd 2026 and I am an old fool who is dreaming that the best is yet to come! I loved the film La La Land, always felt this song was about me ....... The Fools Who Dream (Abridged Version) "She captured a feeling A sky with no ceiling, the sunset inside a frame .... A bit of madness is key To give us…
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Big debt, accountability, 2026 check in
Hello all, long-time lurker/reader of advice and thought a good time to put a pen to paper and have a chat about my debt journey. I’m 34, in 2010 at 18, I walked into a Lloyds TSB branch and a member of staff helped me pay some money in and then wanted to discuss a Credit Card. I was daft and signed up to it, I worked in…
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5 Year Fixed - 60 Months to Financial Stability.........Hopefully!
Good day fellow DFWer's, Serial diary starter here, I know it's annoying, but in my ADHD brain I've had some changes so I need to start from scratch. I've just started on a new 5 year fixed mortgage so I'm going to set myself some goals over this period to get myself on track with my finances, home, weight and try to get…
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Kezzy's debt journey 2024
I've been a member here for a long time, but for the first time I am going to create my own debt free diary. A little about me:nhs nurse, married mother of 2, and 2 doggie children. I have a bit of a problem with gambling, but hopefully I'm addressing it now I have used gamstop to block myself from uk sites. Lightbulb…
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Don't hit me with those negative waves Moriarity
I have lurked for a long time on this forum, then joined and lurked (and lurked some more). Maybe should have gone with an Adams family reference for the title but ho hum I'm here now. I think I'm ready to start a diary even though I've had one running through my head for months as I had my light bulb moment back in…
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Daisy's Debt Free Diary [31F/Autistic]
Hi everyone! After spending some time lurking and reading other DFD's I've decided to start my own to track my journey to becoming debt-free. Right now, my total debt sits at £3,124.06, spread across two CCs: * Card 1: £826.70 (0% interest until 8th September 2025) * Card 2: £2,297.36 (0% interest until 17th January 2026)…
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F&F settlement letter offer or CCA . Not sure where to start. Thanks
Hi everyone, Thanks for reading my post. I have been reading through the forums and not 100% sure where to start. I am looking for some advice as I don't know whether I should try and negotiate F& F settlements or first to ask for my CCA, all taken out around 2011-2014. I have been paying £5 a month to each creditor for…
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Debt Free In Two Years - It's Now or Never
Hi everyone I’ve been around these forums for a long time, but have been very sporadic for a while lately. The debt is still there and hasn’t been dealt with - but I honestly feel that 2025 is the year I get debt free. My OH and I have just finished paying a large loan that we’ve been paying for AGES. Before this we had no…
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Genuinely how do you start?
Hi all, It’s been a very long time since my last post, so apologies if it’s not done right. I’m 46 with two teenagers from my previous and a 5 year old with my current partner (this will become relevant). When I was with my ex wife, life and finances was slightly different in that cash was readily accepted everywhere, so I…
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Hustling My Way To Debt Freedom
Hi everyone I'm back again, still trying to clear the debts. I won't go into a long explanation as to where I've been (no excuses - I've just been rubbish at coming on here), but I'm just so sick of being in debt, I have to get a grip on it. Got to hustle my way out of it, any way I can (legally of course!!). The plan?…
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Should intake out a loan to reduce my debt anxiety, despite paying more interest?
Hi, ive accumulated 10,700 in debt (maternity leave and my husband lost his job) - its across 4 credit cards, and a small amount of PayPal and Next. Ive been spending the last few years moving the debt between the 4 cards, to make use of 0% offers, so I've kept the interest mlvery minimal. Ive recently moved some debt to…
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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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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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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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Isca’s debt free diary
Hey, thanks for clicking! I’m in my mid forties, mum of 2 (15 and 11), married and work part time. We took a loan out in August 2024 to upgrade our car and for a couple of others bits and pieces. We have around £12,700 outstanding. We can make unlimited overpayments and are keen to do what we can to reduce the amount of…
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Debt free by 40
I have been binging on diaries in the last few weeks, I didn't read any books since and watched very little TV. I love all the life stories and I feel so inspired and impressed, seriously amazing people around here! A few I have been reading recently are @CRANKY40 @girlatplay @WinterWarrior @Debt_Me_Out_Of_Here @Naomim and…
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Sorting my life out (again)
Blimey, it's been about 5 years since I've used this forum and my life has completely changed. 2020 = married, 1 DS, full-time job, debt-free, £9k savings 2025 = divorced, 1 DS, 1 DD, full-time carer for my DD who is disabled, £7k debt, £0 savings Luckily my debts are relatively small and 0% interest... apart from the car…
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Giving every £ a job
I've decided to be brave and continue my journey from lurking on these boards, through posting on these boards and I now feel ready to start my own diary. I don't actually have any debt anymore but I am very bad at saving so I've decided to set myself savings goals and treat them as debts to my future self. I was…
