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Can i ask a question......
..........could I maybe change from compulsive spender (Hiss Boo!!!) to reformed saving saint (buffs halo) Quick intro of me (as it can get a bit boring lets be honest here) Late 40's complete with DH, DD's x 2, full time job & fur baby kitty kattington. I've been rather rubbish with money all of my adult life and had a…
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Attempt what seems to be 6778676786
I seem to have this really weird relationship with getting debt free - I'm either on the wagon and busting my debt like no ones business or not only do I fall off the wagon, but I send fire to it and shoot all the witnesses meaning I run the debt back up. *deep breath* so here we go - again - and I know what your going to…
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Not in control
Hi, Coming back after a few years out. I would do a SOA, but the bills, food and mortgage expenses are paid by my wife - I pay a contribution. What would the best way be to start? thanks! EDIT: I have 2 credit cards and 1 personal loan and I want to be debt free, using my money instead of money I don't have!
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“Life is what happens to you while you’re busy making other plans” - the second instalment.......
So it appears that something weird and wonderful happened to my profile with the switch to the new format and for some reason I’ve been unable to retrieve the “Seahorsey” profile but weirdly can access a dormant profile from 10 years + ago when I first discovered MSE. So I’m back as Seahorsey_thesecond! Long story short,…
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Flo 2.0
Hello everyone! It is a new year and a new diary. My previous diary, entitled 'Flo's Debt Free Diary' started on 6/12/15 when I was about one bad decision away from financial ruin. I didn't realised what it was called at the time, but it was clear I had had my 'Light Bulb Moment'. My credit card and overdraft debt at that…
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My Debt Free Adventure
I am starting this diary with a positive attitude, hence calling it an adventure rather than the somewhat more apt absolute nightmare. I've been trying to get my debt down for the last couple of years but there always seemed to be something getting in the way - including, but not limited to, my blatant overspending. As…
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Where do you begin again, if you don't exist?
It's not a philosophical question, so please bear with me. I'm 48, single, and it's been 4 years since I've worked properly. I worked in investor relations, earned very good money, lived in Central London etc etc. I had a family member become very ill and I left my last job to support them - they've recovered fully thank…
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No Money Mummy to Millionaire Mummy!!
Hello :wave: This is my diary to try to help me stay on track financially and get debt free as soon as I possibly can. I am 39 weeks pregnant with my first baby, very excited but very scared too.:eek: I am very fortunate that I get 6 months full maternity pay from my employer and I will be getting this until May 2009,…
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Heads, Shoulders, Cheese on Toast
Finally decided to do something about my debt. I overspend every month and have nearly £3,000 on a 20 something % credit card. Plus 14 payments left to pay on my car loan, plus I've had to increase the amount I pay to the bills account to 1/3 of my salary to cover new boiler and bed payments. :eek: As well as trying to pay…
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Focused on breaking the debt chains
Hi im Laura, Im 30 years old and i just got married 2 months ago. Although it says I am a new member, im not really as i had a log in before but completely forgot all of the details! I have been in debt for many years, since i was 18 i would say. I have had a pretty unhealthy relationship with money and if I wanted…
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Hopeless millennial getting it together
Hi everyone! :beer: I have been lurking for a long time and decided to join in. I'm 27, I live in the SE, earn 20k P/A, I have £1000 credit card debt and I rent a room in a houseshare. My goals are: * To clear debt * Save for a deposit on a house * Increase my income with a better job or side business * Save money on day…
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Chipping away - slowly but surely
Hello all - I had a diary a while ago and wanted to come on to update on progress but I appear to have lost it 😞. I last updated about a year ago when I think the debt was sitting at around 12k. A mixture of events mean I haven’t made as much progress as I would like but as of today it is now £4930. That’s spread across…
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2020: Becoming a Saver, Not a Spender
Yes, it’s me with another diary ;) However – my previous diaries were all about busting the bad debt. Mid-2019 I was “Determined to do it” and now I am “Becoming a Saver, Not a Spender”. In around 2 weeks, I will have paid the last penny to my £5k of “bad” debt I targeted in 2019, this year will be all about paying off my…
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Single, six kids and going to be debt free!
Okay, so I finally decided to face up to my debts and now my income is pretty much stable, I can now budget and work out how much to pay. My soa is below and I believe I have budgeted for everything. I know I have a big surplus but this is only recent and from the new year I want to start paying everything off. I know that…
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Being a mature student, a very skint one..
So I've decided to start a new diary, as of September I'll be a full time student again at the age of 29. I'm leaving my full time job, giving up my rented flat and moving across the country into a shared house. I seem to have been in debt forever, I won't sugar coat it I've made some pretty terrible mistakes in the past…
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The pink and fluffy journey
First time poster, long time reader here! Im inspired by all your journies! I wasnt sure if i needed to do a diary or not, but it seems to be all consuming at the moment so hopefully being able to write it down will help. So a bit about me.... i live with my OH, we were due to get married this year but 3 weeks out we had…
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Dave Ramsey UK?
I am 20 years old and completely new to the financial world so it is a little daunting jumping straight into it. However, I decided to get control of my finances over lockdown and I discovered Dave Ramsey (for those who don't know he is an American financial expert although he talks about much more than just finances). I…
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Very Scary Times......
Hi everyone I've been thinking about whether to start a new diary for a little while now, but decided it would be good to have somewhere to write about everything that's happening at the moment. I've been on these boards for a long time and have got friends on here, even if I haven't been posting that regularly this past…
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New Diary - New Hope
If you've clicked on to this post then thank you. I have been reading posts on here for years but never plucked up the courage to actually have a diary myself or comment on others. What's changed? I have been in debt all of my adult life (now approaching 40!) I have spent so many days and nights worrying about money,…
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Molehill currently feeling like a mountain
Hi All, I've decided to start a diary on here after reading lots of other peoples inspiring stories. My debt is pretty small compared to others - just under £400 on my Nationwide CC, but I just can't seem to crack it. Basically for the last few years I have been living beyond my means - spending every last penny of my pay…
