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Maternity leave debt legacy - £12,000 to £0 in 10 months?!
Hi All I've been somewhat of a lurker on these boards, and reading everyone else's DFDs. You've inspired me to post my own and get some help along the way as I aim to clear down my debt. I started my DF journey in February 2020 with just over £12k personal unsecured debt after two 12 month poorly paid maternity leaves…
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The First Day of the Rest of My Life.......
Well here we go, time to drag my head out the sand and start taking control of my life. I’m hurtling rapidly towards the big 4-0 and up to now have been coasting and going with the flow, a passenger in my own life. Procrastination is the thief of time and it’s time I did something about it. I’ve been in varying amounts of…
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Debt Free by December 2021
Hi, Long time lurker and long time debt buster. Husband and I have been paying down our debt for almost 3 years now. Started following Dave Ramsey about a year ago and we're currently just over half way through BS2. Debt at it's highest was over £13,000. We have 2 children (dinosaur 1 and 2) who are our 'why'. Husband…
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Determined and a little ashamed
So i have taken the plunge and decided to start a diary on here in the hope that it will keep me on tract and have the support of others doing the same thing. My story is probably familiar me and my husband managed to get debt free years ago after getting into serious debt and having to consolidate everything and get it…
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Burnt out and broke
So after months years in an downward cycle of shuffling increasing balances around 0% offers and several weeks reading through DFW, diary threads and the DMP support thread, I've bitten the bullet and cancelled all my direct debits to my credit cards, written to my creditors and approached SC to set up a debt management…
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35 and still not learnt a thing!
So due to covid 19 I am back on benefits and I have just realised I'm screwed for the month, well probably the year. I need to get back on track money wise and mentally and when I was struggling years ago this forum really helped me. So the big issue I have this month is due to receiving the self employment grant universal…
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Dave Ramsey Fan Girl blasting through BS2 .. to be DEBT FREE !!
Hi Guys So I used to be semi regular Face here a year or so ago but I became side tracked by Mr Ramsey oh and running a marathon :o Back story .. There’s me Lisa who is now in the over 40s bracket :eek:, my Twin 17 year old boys who are guitar playing gaming angels (or so I like to think) and Molly my little girl (even if…
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Debt Free Forever
Technically we're not in debt - we do use credit cards but pay them off in full each month - but we want to stay that way, having been in debt in the past. I couldn't access my old user name (and wasn't very good at keeping my diary going anyway), so I thought that this was a good excuse for a fresh start. Our finances…
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Some advice please!
So, we're in a stupid amount of debt. Again. The difference is that this time I've had my LBM and I desperately want to be debt-free. While we are extraordinarily lucky to both still be employed with little risk of redundancy I know how vulnerable the debt makes us. If my husband (who is the bigger earner by a long short)…
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Moved: My life is in tatters. I'm in £50k debt. Help!
This discussion has been moved.
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Old debt
Hello, does anyone have any advice for me please? I took out a loan with Barclays eight years ago when I was having mental health problems. I managed to negotiate just paying a pound a month so obviously the debt is the same now. I have written to them several times making offers of full and final settlement (less than the…
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Positive Balance: Focused on Budgeting
Hello everyone and happy New Year! I'm back. A bit shamefacedly, but here I am. :o I shuffled off to the MFW boards once I bought my house 2 years ago, shiny-faced, naïve and hopeful that I would be able to debt-bust and overpay my mortgage all at the same time. Then reality hit and I needed to repay a large chunk of my…
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For a minute there, I lost myself...
Hi and thanks for stopping by my diary! I have lurked here for years. The diaries board has really helped me to feel capable and inspired to sort out my debt and general money management issues over the last few years. I’m happy to report that since mid 2018 I’ve paid off over £9000+ debt (credit cards) and I’m now in a…
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Debt free before 2023...
I’ve read a number of these debt free wannabe diaries having been lurking on these boards for a while and thought it was time to start my own! We're a family of 4 in our mid-30s with two young daughters (2 and 5). I have a good career and we made a decision when our youngest was due that my wife would stay at home for a…
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Mistakes in the past
I have a lot of debt (so low credit score). I earn a decent salary and live on as little as I can. The loans I have are extremely high interest. I’ve managed to pay some off but I just seem to not be getting anywhere most of my wages are going to debt. Can anyone advise?
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Paying the car tax via EBay, and other shenanigans.
So the title will become obvious later, but I figured I need a diary. It's my first. It is mainly to keep me focused but maybe someone will read it too. Here's hoping! Stealing from another diary, I have decided my debts need paid off by my 40th, which is in 7ish months! It might not be completely achievable but I'm…
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When the bottom line figure is scary! But you have to start somewhere
Happy weekend everyone, This is my first thread on here but I have been a serial lurker for a while now. However, yesterday I decided enough was enough and I actually sat down and listed all of our debts. It was probably the scariest thing I have done, but do you know what, because I feel like I have some sort of plan now…
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On my way to freedom.
I have not been on this forum for many years. Sorting through some old paperwork I found my logging in details and after a change of password here I am. In my last diary I wanted to be debt free by the time I was 50, well 50 has come and gone! I am heading for my 52nd birthday in a few months time and I still have a large…
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Chipping away
First step in my debt free diary but 18 months in to my dmp. Its not as scary as I first thought, I've chipped away from 45000 to 34500 in 22 months working with step change paying off any extra I could but also paying off one of my debts at a reduced rate. I should be mortgage free in September 2023 and will then have…
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Last £5000 to clear
I have had a diary for nearly 2 years and when I started I had over £15,000 of debt and I was feeling completely overwhelmed. I had 2 maxed out credit cards (£5500), 2 overdrafts (£1750), a loan (which was £13,000 when it started) and 2 store cards (£500). This came about from .... 1) Overspending on things I didn't need…
