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Getting it together
Hello, So I've been having a read through some diaries on here and on the MFW board, and they've really motivated me to get my finances under control. I've got a small family of three, and I'd really like to buy a house in a nice area and be financially sound by the time DS is in highschool (about 6 years away). I'm…
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Trying again...
I had a diary on here before but I'm desperate for a fresh start. I managed to clear almost all of my debt and looking at the progress I had made is making me feel really guilty because now, a year on from being so close to debt freedom, I'm back to square one. £13,421.77 to be exact. How did I let things get back to here?…
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The first glimpses of light at the end of CC Debt Tunnel
My debt today is down to £17.8k thanks to additional funds returned from an aborted motorcycle ride to Malaga, and some servicing plan costs from returned from my motorcycle dealer. Projecting forward, I'm estimating Jul-21 as my last credit card payment - that about 9 months away and it'll be a big fat card cutting party…
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Ms_London is MSE-ing in London
The moment that I have been dreading for ages has finally been and gone.... I turned 30!!!! So as I do with every birthday, but ten fold with this one, I start having deep and meaningful conversations (with myself) about where I am in life, where I want to be, etc, etc, etc. So in between eating the profiterole tower that…
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Gambling nearly broke me(and my finances)
I’ve suffered with gambling addiction for years with long periods of not gambling at all and equally long periods of gambling a lot! Early 2018 I had a particularly bad binge and clocked up extra £30k debt almost overnight, when I received my credit card statements the following month I sobbed! It was the most awful…
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Taking back control of my finances
Hi Everyone, I wanted to come on and start a debt free diary, and take some control over my finances rather than the other way around. I work in Finance and although I earn well, I also spend it very well too. I'm fantastic with preparing and analysing budgets, sticking to my own however is a completely different story. My…
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Emzmom fresh start
After being on the dfw pages for a few months i think its about time i set up my own diary i think it will help keep my on the straight and narrow... I am a mom to my dd and i not only want to help myself be better with money i want to help dd as i was brought up money is easy come easy go....this is not how i want to live…
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Here we go!
Hello everyone, I’ve been lurking on here for quite a few months now and have finally built up the courage to start my own diary. I’m married to DH and we have 3 boys DS1, DS2 and DS3. My husband is incredibly generous and a natural spender, whereas I enjoy saving. We are in a large amount of debt, but determined to pay it…
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Finally becoming debt free after nearly 20 years
I’m starting a diary to try to keep myself accountable as I near the end of paying off debt and I’m terrified about slipping back into debt again. I’ve found reading other people’s journeys motivational and hope that writing my own will help me too. I’ve had various levels of debt since my first credit card with a £200…
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Balance transfers
I have done a balance transfer but still owe money on the card. The first amount was 5p so I just thought I’d not done the correct amount. Paid it and checked again now it says I still owe £35.63 which again I have paid. What’s going on, any ideas please
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Paying my car debt off...
Hi All I used to be a regular here in the forums when I first decided to pay my debts off. My circumstances have changed since those days, my DD has left home so it's just me and the cat in my rented property. I have paid my debts and was debt free for a couple of years. However, in July after months of toying with the…
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Credit card
I'm 20 years old and have just moved into a flat with my cousin who owns the flat. I will be pay rent. I have finished college but haven't worked on a regular basis since then. I have just started a part time job 4 days a week in a coffee shop which I enjoy. I earn £800 per month. My wages are only enough to cover my share…
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Feast or famine
New user name but old forumite (just had my 10 year badge); I feel the need to confess without outing myself! My situation - me and OH, in our 40s, no kids, lots of cats, big fall-y down house with a bit of land in need of total refurbishment, trying to live the simple life but just living the expensive life instead! Both…
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The start of a long journey.........
Hello and welcome to my diary….:wave: I’ve finally got around to writing this, despite having my DMP lightbulb moment in July 2016 and contacting Stepchange for help. I’ll probably waffle a lot so sorry if you get bored but I like to talk and quite a lot has happened during my journey….. So, like others on here, this is my…
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My Snowball Diary
Hoping this helps. Looking to pay off all my debts before I reach 50 All my accounts are set up on token payments with no interest or charges being incurred so will be hoping to make the token payments each week and if I can afford it paying extra too I am 50 in 480 weeks so have worked out I need to pay £23.04 each week…
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No way out of debt
Please help, I am feeling really really lost and overwhelmed. I made some really bad mistakes 6/7 years ago and I’m in such a mess as I buried my head about it. I have around £22,000 in unsecured debts, all with defaults. I earn £1200 a month and have a spare £37 a month after I’ve paid for my basics such as bills,…
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overwhelmed new member
This is my first visit and somehow it feels like a big step ! I am a, relatively new, single parent. Massively in debt .... I reckon I should have it all paid off by 2099 .... Your stories , helpful members & tips look like they may help me to begin the long process of sorting this mess out. Emotionally , finally in a…
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Diary of an ordinary mum
Aarrgghhh!! Glad I got that off my chest :) Hello, ordinary mum here just trying to keep everything above water. Debts are totalling £12k which is being paid off via a Stepchange dmp. I've been doing this for about a year now so I've a review coming up. It's been difficult on the dmp I went straight into it, no savings,…
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Time for change
Good evening all. Im new here and I have been reading some of the threads in this forum and felt inspired to start my own journey & thread. I have been constantly living well out of my means and have just slowly built up a debt of around 26k on loans and cards over the last 10 years...it cannot go on! I want to draw up an…
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Starting A DMP
Hi As you can tell I'm new on here but have been reading alot of usefull threads. I am in the process of starting a Dmp, but am confused about somethings, so hoping I could get some advice.. So I am ready to send off all documents needed to Step Change. But confused about when I stop paying my creditors & my overdraft is…
