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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…
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No more credit.... no more debt
Hi Well its only taken me 11 years to finally start my own diary and hopefully begin to pop in on other diaries which I have been following for years :) There are so many inspirational people on here its such a wonderful community, I read diaries every day without fail I just haven't had the courage to post and I am not…
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Time for new beginnings
So after years of accumulating a lot of debts following a very long and hard divorce years ago, not receiving any financial support from my ex husband over many years and supporting my teenager through liver cancer the time has come when I have realised I have been stupid to get in the financial position that I have. So I…
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LonelyRat's Road to Riches (take two!)
A big (overdue) hello again! I've been AWOL for a while now, but thought as I have some free time -now would be the perfect opportunity to get back on the forum (very shiny new forum by the way - where have the old emoticons gone? I miss the wee smiley face guys with the beer) At the beginning of last year me and OH…
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Overspent and What Do I Have To Show For It?
Hi, I thought I'd start my own debt free diary just to try and keep track of things more than anything... Anyway, a bit of background, I've just turned 34 and have been in debt for what seems forever (probably from around the age of 19). My biggest issue is that I've just always overspent, luckily as the years have…
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Wading In Treacle
That's what my progress in my financial life ( or lack of one feels like). I've been on a DMP for 5 years and have paid off a massive 9K in that time but at that rate it will take me another 15 years to be clear - and the grand old age of 65) so I need to do something and get this sorted out once and for all. Situation is…
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2020 - Clearing the debt the start of our journey to FIRE
Hi Everyone, The last 5 years have been very hectic and the result has been a ton of debt. Our networth isn't bad as we set up some rental properties in our early 20s which are doing well. But our personal day to day finances have taken a battering due to having two babies in the last four years. My youngest has just…
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Hiding my debt from my wife
Hi, I really dont know what to do, im in debt and my wife doesnt know. I have a loan with tesco totaling around £12000, a loan with nationwide of about £8000, a credit card with £1200 and another HSBC which i did as a balance transfer which is about £1000. Its all consuming at the minute and I am at my lowest point and…
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Debt free wannabe by dec 2021
So I'm back again and this time sticking to it. So here's a little about me..... I'm currently in debt £12,949. Stupidity and bad decisions have got me in the mess and I'm going to work hard to get it gone. Theres currently me and my partner and 2 children and we rent at the moment, in time I'm hoping to get the debt gone…
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Destination, debt free.
28....05.....2020 The date has been stamped. Today is the day that I embark on this long and winding journey of becoming debt-free (with the exception of the mortgage). Rollback 4 years ago and I wouldn't have imagined being in such a position, roll back 8 years ago and I said that I would never get a credit card. 8 years…
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Looking for my willpower...
Hey all, After getting some advise on here a couple of months ago, I seem to have spiralled backwards in a bad way. I finally thought I was getting somewhere but I obviously haven't. I have been reading a lot of these diaries over the past few weeks as sleep has been very little as I have been worried. I have bad mental…
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*Elby's Debt Diary
Hello everyone, Well I though the hardest part would be building the courage to post on here - turns out it's thinking of a name for my diary. I've failed with anything unique, so let's hope the debt plans work out better :smiley: I have been actively working on reducing debt (paying more than minimum) since about February…
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Plans in the sand
Hello everybody! Well here I am with my shiny new diary.... A little bit about me: I was on here in around 2012 at which time I was definitely in debt crisis- by the time I'd paid all my bills, I literally had no money at the end of the month. Anyway, I got my head down, worked hard, lived very frugally and managed to pay…
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Second time lucky... debt free diary.
Good afternoon all. As title says, this is my second time here. I started a few years ago, debt started to go down. Then DH was made redundant! He refused to sign on and we lived from the credit cards (think he was suffering depression). I have major mental health issues but went back to work almost 2 years ago but we were…
