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Debt finish line
So where do I start I don’t know how people feel about shares, trading and what not but I’ve had a brilliant day in the space of 3 hours I’ve made £1.4k On a tip and I couldn’t be more happy if the momentum sticks il have £3/4k by end of next week that means il be debt free for the first time in 6 years I won’t have any…
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Debt free in ten years-my new, more realistic challenge.
In ten years I will be 61!! My original plan was to be debt free by the time I was 55. I have had a major shift in life plan since then and have almost got my first business up and running. Our mortgage is £114500 Owed to family members £9000 We still need to borrow to complete the business and get it up and running. My…
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"The Diary & Teacake" - DFW'ers Virtual cafe-in-a-crisis
OK - no idea if this will work but let's see - I have deliberately put it on the diaries board because my intention is that this is a general chat thread, and yes, counter to the "usual" MSE rules (hoping the mods/board guides will allow, in the circumstances), it will not necessary have a DFW theme to the posting, and I'm…
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From Nightmares to Dreams come true!
Hmmmm isn’t this strange typing my life onto a blank page for strangers to read. I’m not quite sure why I decided to do it but now I’m here I’m going for it! A bit about us? I’m a 33y young single mummy to a daughter who is 7 aka little miss and a son who is 3 aka rat pants. I work 3 days a week in the admin department at…
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This may take a while
Lighbulb moment - check Everything in as few places a possible - Check Ready for 4 years of hard work - Check I have to work on this for a long term goal of being able to move house. I have been keeping an eye on finances via YNAB for the last 3 months. Although I know it is an unpopular option I have consolidated some…
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Loan or credit card ? What’s best to pay first ...
hello ! Just wondered if anyone can help me with this one ! I want to pay a lump sum off my dept... I have a secured loan on my business premises and I also have two large credit cards, is it better to pay the lump sum off my secured loan which is around 6% interest or one of my large credit card, the credit card is, at…
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Making my way out
Starting this thread as a means of holding myself to account over my current debts and to keep focused on getting out to the other side! I'm naturally a saver as opposed to a spender, however, I've built up debt over the last year or so and I'm starting to feel a little overwhelmed and in need of feeling 'back in control'…
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Debt Free Wannabe. Where do i start?
Not sure if this is the right place to put this post, but I am looking for some advice as to becoming debt free. I have an overall debt of £7,500, which i am looking to clear as soon as possible as i am interested in getting out of the rental market and purchase my own property. I have previously been to the bank looking…
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Secret credit card debt, I'm going to tell my husband
Hi, so I'm new here. I have a secret credit card debt of £3700 that my husband doesn't know about. I'm a stay at home mum and I get a monthly allowance into my bank account for "spending money" and food etc. So I have managed to keep paying the credit card without my husband knowing. I hate myself so bad, the whole thing…
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Make a Wish, then Make a Plan
I have drifted along in life far too long and now I need to decide what I want to do, where I want to be and then make a plan to get me there. My life currently is fine but doesn't spark any joy in me anymore. I have a nice enough house in quite a popular area with lovely neighbours, although I do live on a very busy and…
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A welcome wake up call
So it's been a few years since I was last on here, so decided to start a new diary. Here's the background of where I'm at now.... After all my previous hard work, I've let my debts rack up to worse than before. I know this makes no sense but it's partly because I was earning more and so therefore less concerned. So why so…
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Hunters Journey to being Debt Free
Hello all, Ive been a long time lurker on the forums and have always read everyones Debt Free Diaries and have taken so much away from these. My Journey started in January of this year when i suffered a mental breakdown when discussing finances with my partner and I realised how much of a bad spot i had put myself in over…
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Freedom 2030
Hi all. Thought I would start a diary now I'm starting my DMP journey. I've done a lot of reading on this forum and have decided to self manage the process. My spiraling debts (almost £40k in total) span across several credit cards, the earliest being in 2006. I am a self employed sub contractor and have a steady reliable…
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Stop burying my head... £20k and nothing to show for it!
So here is my first debt free diary. I’ve been over committing my time and money. Living way beyond my means with my head very much in the sand. Not opening letters and kidding myself it’s all okay as I pay by DD so I’m never behind. Reality being I was too scared to know the figures, I was living beyond my means, spending…
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Keeping a diary to remain on track!
Spending time in lockdown has allowed me time to reflect on our finances and current priorities. So, I have decided to start a diary! I have started with a SOA on what would be a typical month, providing we weren't in lockdown. Whilst I am not concerned about our level of debt, it has always been a personal desire to have…
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Taking back the control
So here goes ...... I’ve been a member of Mse for a number of years under a different user name, not always active and just tended to dip in and out, reading peoples diary’s for tips etc but have decided to take the leap and start a diary of my own, I’ve spent the last couple of days reading some diary’s from start to…
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Real Life, Dating and Money!
Hello, So had a thread on here before and well updating it or not it kept me focused. That's what I'm lacking at the minute - focus. I'm in the train of thought that if I overspend here and there, it will all work out. Yeah so turns out it hasn't for the last two months and now I'm in well and truely in my overdraft! I've…
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Time to start taking this whole adulting thing seriously...
Hello! I thought it was about time I made my own diary, as I spend so long pondering other peoples! Really inspiring so thanks everyone! So how did my debt all start...University! It went from having an interest free overdraft and splurging on eating out, nights out and clothes! Then from this I discovered the glorious 0%…
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This Duo's debt free journey
I had a previous thread but having problems locating it so thought I would start a fresh one. Brief intro, the duo is me and my little one, just over a year ago my debt was at a figure of around £12k, as of today it stands at £6124.40. This is made up of 2 loans (one car) and one credit card which is 0% until April 2019.…
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Closing a payday loan account!
Hi all! My son has a payday loan and is trying to close it !! But every time he asks how much it is to close.. they tell him its. X amount , he pays it they tell him it’s closed and he will get confirmation that it is closed . The next day he has a message saying he owes more !!!!!! Can anyone help to get it closed for…
