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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…
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Chalk and cheese - paying off £27000 in debt.
Hey everyone, Thanks for stopping by. This is a new thread for me as Iv closed my old one after achieving debt freedom and then gaining more debt after a wedding, car and now a house. We are a married couple in our 30's with an overall income of £60,000 a year looking to pay off our £27,000 of debt within the next 2/3…
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£16,000 debt, turning regret into positive action.
So here i finally am, writting my debt free journey out for you all to read. I had my LBM back in febuary when i finally relised that my attempts to be debt free were failing me. I had just purchased alot of holidays and spent alot of money redecorating, i soon relised i was undoing all my hard work. When i relised…
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New Life Pending.....
Here it is, my attempt at debt busting, learning to budget and create a saving pot! Im hoping this diary will help me, and enable me to get some tips along the way. Now ive actually started looking at money (like i should of done years ago) Im shocked at home much money ive just wasted. I literally did not think twice…
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Countdown from 47k...
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Debbie's Debt Free Diary
I am 30 years old, over the years I have racked up a lot of debt - just through being careless and I am entirely to blame - but it started out small just overdrafts and I kept getting offered more and more credit and it just snowballed really. Mainly shopping, going out - really stupid material things. As it racked up and…
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Paying of debt and cancelling credit cards
After being in debt all of my adult life, I am nearly debt free!!!!I never Want to get back in this position but also, I want my improved position to be reflected in my credit score - which is good now but I think reflects that most of my credit cards have a £10k limit, cancel the cards or not?
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Single income, simple goal
removed by member
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Well that’s one way for my dreams to come true
Hello, So like everyone else in the world the last few weeks have been very trying, very trying. In March we secured 15K to sort out a subsidence issue with our property (our first and hopefully last home), which we never knew when we bought the house coming on 5 years ago. The works only really started last month and well…
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LBM 4 years into DMP...Time to get real
Hi! I'll confess I am a lurker, I don't post often but I do have a good old nosey around posts across loads of different boards. A bit about me...I have been in a DMP with stepchange since 2014. My (soon to be ex) husband stopped working and we had to rely on my income alone, this meant defaulting on a number of debts…
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LBM in 2003.. What have I been doing since??!
Hello I have decided to start a diary. Have lurked on here since early 2009, subscribed to loads of threads, loved all the camaraderie and found it very useful for getting shot of debt, starting savings and all that kind of good stuff but then have slipped and skidded into more debt, especially as I left a FT job this…
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Starting to see progress ...
Well, I thought I would post our progress , hopefully to look back in a year or two and be an accomplished debt free family :wink: So after adding everything up around the time of our wedding last year , I was shocked to realise between us we had £28972.22 in debt , not just wedding stuff , the odd credit card and…
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My journey is over after 20+ years
2 years ago, I decided that it was time we made a concerted effort to pay off our debts. CC. and bank loan. So everything was cut to the bone, monthly menu made up from what was in the freezer and cupboard. Every little bit of extra money went in overpayments to the loan and the card. It took me over 12 months, but managed…
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Social Isolation Sucks...
I have hardly seen a soul since this all began. I have started smoking the last two days as I have nothing else to do, spending £36 on cigarettes in the last two days. Smoking is no longer in my monthly budget, since I stopped smoking in August 2019. My plans to follow Jacques Cousteau with my scuba dives is on hold as I…
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The start of (hopefully) a debt free life
Hi all, I am new here. I wanted to start a diary after lurking here for a while. I've been in debt a few years now (since uni) and I'm finally ready to tackle it head on, and I need to, badly. I am currently £3,866 in debt. It all began at uni when I took out an overdraft because I'd spent all my student loan within weeks.…
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My journey to happy and debt free
Starting this here for some accountability. Things came to a head with my debt last year. I was in a cycle of reborrowing to pay minimum payments and it looked like there was no way out. I was hiding the debt from everyone. I had messaged Stepchange but just could never speak with them. Ended up messaging trust deed and…
