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DD flies the nest ..how to cover uni costs
Well restarting my diary ,I'm turning fifty this year happily married two kids still alive healthy and nice ,I've now got people around me who have lost their kids through illness and to be honest my only concern is how to help her pay for uni .We are in Scotland but she wants to live out and because of income she will get…
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My life in debt
Here’s the thing – I’m 44 and I’ve been in debt my whole adult life. After my parents split up when I was 10 my mum had very little money. To this day I still hate tinned meatballs and cheap sausages. Anyway I went to uni and suddenly had financial independence, well a student loan and overdraft but it was money available…
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Time to stop spinning all these plates
Having seen how having a diary on here has helped so many people I have finally decided to start my own. Hopefully getting my debts out of my head and written down will motivate me to sort things out (and improve my sleep/reduce my anxiety). Here is the mess I want to sort out: Loan (5.7%) £1525 (18 payments left @ £88)…
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Not sure where to start...
I've gotten myself in a bit of financial trouble I guess. I had cleared about £10k of debt over 2 years, using tips etc from this forum. My credit rating was higher than it had ever been and I started working as a childminder. I had some extra income, and then my car broke down, I'd paid £1800 which was all of my savings…
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The Fight For Financial Freedom
Soooooo...It's been a long time coming (time in which I have buried my head & staved off in all manner of insensible ways), but thanks to Covid 19 & the crisis that has currently gripped the world, the poo has hit the proverbial fan. This has forced me to properly acknowledge the fact that not only have I racked up a shed…
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Passenger in Life Take 2
So my last diary lasted for about 2 months and ended May 2017. It’s so bad that I don’t even remember what I have been doing for the last 3 years 🙈 so this is my second attempt at trying to get my life & money sorted.
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Millionaire in training has a new name
Hi folks. I haven't been on here in a long time. I can't even get in to the account I was using most recently. So I am going to look at this as a fresh start and get my life in order once and for all. I'm a single 54 yr old female. I have two grown up children who still live at home but both wanting to get their own…
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Crunchy's Final Debt Free Diary!
Hello everyone! Yesterday I celebrated 4 years of keeping a diary on here! So much has changed in that time. We have moved house twice, welcomed our daughter into the family and paid down a whole lot of debt and also racked up a whole lot more. Last year we managed to pay off around £12k of a loan in about 5-6 months and a…
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Making money make sense
So i feel a bit cheeky being here as I'm not in debt with credit cards etc. I have a student loan, but I don't earn enough to make payments and I appreciate the view point of seeing it like a tax so it doesn't concern me. I did recently have to pay back £2.5k in housing overpayment, and thankfully as I had about 6k I could…
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Sept 2021 - The debt free longstop
Hi all - a few of you might have seen my original post on DFW, that can be found here: https://forums.moneysavingexpert.com/discussion/6108143/help-with-cc-debt-please-general-advice/p1. I thought this would be a good idea to keep track of things and to stop annoying everyone by bumping up my original post :) Also, I can…
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Tidying up the mess
I am trying to find ways to get me and OH out of the debt mess we are in. I became self-employed a few months ago and my credit card providers wrote to me to reduce my credit limit to just above what I owe. This was worrying and I'm now thinking they might call in those debts at any moment. Me and OH then sat down for the…
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5582.54 @ 0%
I have been on these boards for years. Some of them under another name which I can't remember! I do try and venture out onto the other boards but it isn't the same. I feel at home here. So down to the debt - we, me and my partner, were £20k+ in debt in 2016/17 and are now finally down to the last debt, i.e.: £5582.54 @ 0%…
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Getting the job done......
Hello everyone:wave: I meant to start posting that the beginning of 2020 - a new decade and all that but here we are and it's February already. A little about me.... I'm a 48 year old chap and live on my own in the North West of England. I have my own house and generally I'm doing OK but recently, my age has been weighing…
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Round and round the overdraft....soon to be no more
Having lurked and read quite a few diaries I thought I'd start my own. If it's down on paper then I can read back and see my progress (or not) My debts aren't massive but my bugbear is my overdraft as I do believe if I can get that sorted everything else will fall into place My debts are: £400-500 overdraft every month…
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Time to Knuckle Down
I had an account on here before the Great Forum Change, but resolutely ignored all reminders to make sure I had access to my email so that I could reset my password. So, this is a fresh start. I was getting nervous about anonymity anyway. A little about me. I live in London with my boyfriend and we have just exchanged on…
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Secret debt... How do I tell my Husband
Hi I don't really know what I am expecting writing on here, I just need to talk to someone before i completely break down. Basically I have been hiding a large amount of debt from my Husband, We have only been married 2 and a half years. I want to tell him more than anything but he is so against debt I am scared he will…
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Mud, floods and money worries
Well, I've finally decided to keep a diary to help me on my journey to becoming debt free. Things have become so bad now that I need to write down what's going on, just to clear it all from my brain, so that there is space for me to think without panicking or having a meltdown. I've looked and looked again at our situation…
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108 spiders are a girl's best friends
I have just lost half my income and the house has become home to some truly enormous spiders. One particularly gruesome specimen lives beneath the laundry basket and another one torments me from under the cooker. I was starting to feel really sorry for myself, but I have decided to see them as a good sign!! 8 is now my key…
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2018 Benbenandme's Next Battle
Hello :wave: It's that time of year for another new diary ... I'm not a newbie, I've been around these parts for years, never quite knowing whether I should be on here or the Mortgage Free boards, but after much consideration I have decided to return here for my next diary installment. I have previous chapters of my…
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Cracking On
Have a few previously started diaries which have fallen by the wayside oops!!! Starting a new diary and determined to keep this one going to raise awareness,again. Cracking on named after a friend who uses the phrase to get herself motivated to start. She is a bit 'full on' for me,but the sentiment is there. I work part…
