Debt free diaries

Hi all, I’ve been a member since 2018 and these diaries used to be an incredible amount of motivation and support for me. When I first joined around October 2018 and started my diary (if anyone is interested https://forums.moneysavingexpert.com/discussion/5907732/curbing-my-impulse-spending/p1), my debt was at £6967.79…

Morning everyone. New poster looking for some advice. During my mid/late 20's I ran up various debts with 3 bank credit cards, student overdrafts on 2 High Street banks and a few pay day lenders. As they became unmanageable. I did start to repay some of the debts through informal agreements after the debts no longer…

Evening All, I have decided to start a debt free diary. I attempted to tackle my debt a few years ago but ended up getting into more debt through house renovations, holidays, and genuinely making irresponsible purchases (thinking i will worry about it later)... Well i have got to the later! Before I show you my SOA, i have…

Good evening Well this forum has changed a bit since I was last here :smile: I've been unable to crack into my old account so it looks like it's a fresh start. I actually feel a bit of a fraud being here, apart from my mortgage, I only owe £70 on a credit card. I could pay it off but keeping a little bit of debt stops be…

Hi all, I moved to a new house earlier this year, and immediately afterwards needed to spend quite a bit on house bits, which I would normally have saved for, but as all savings were used in the house move, have had to put on credit. So my challenge is to pay these back as soon as possible so that I can then get on with…

Hi all, I am here, finally at a point of seeing some debt free freedom! I have been working on a spreadsheet for most of the day, given myself a headache and bitten down most nails... BUT it has been worth it. My finalised total of debt is £7,833.47. I am aiming for this to be gone by November 2021. I have my expenses laid…

Been in debt most of my adult life. In March I decided enough was enough as it had reached £35K. However as grim as it might sound, its the Covid situation that has fuelled my drive to sort it out. I have always been a spendaholic, quite possibly spending to make myself feel better, however the Covid crisis has rained the…

Well, I've been here before! Not on this forum as such, but in this situation. We never seem to learn, but this time is different. This time we are going to clear our debts once and for all. I have been shoving my head in the sand pretending we barely have any debt, but in reality, we have lots and the debt mountain just…

Hi All, The time has come for me to be accountable and take action. I have been a lurker for a while and I am really inspired by the diaries on here. In fact it was reading these that finally gave me the push to write my own diary. We are in approximately £48k of debt😳 The debt has been bubbling away the last few years,…

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…

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…

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…

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…

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…

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…

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…

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…

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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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…