Debt free diaries

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…

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.…

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…

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…

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…

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…

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…

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…

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…

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…

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…

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…

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…

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…

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…

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…

I have had confirmation from both Cabot and Idem that my debt is unenforceable after requesting CCA's. Is there a template I can use to write to them to inform them that I will be stopping payments until the CCA's can be found? Has anybody had anything happen after payments have stopped?

Here's the jist if you're new here; - I had a previous diary and got lost along the way - I was constantly in a trap of running up a card, then balance transfering it onto an interest free card, then running the first one up again - I never budgeted properly, I didn't give myself spending money. I paid all my extra money…

Hi Everyone! I haven’t been on here for the longest time. Life has changed so much! So basics, myself and OH run a business, so are both self employed, we need to pay back £50k in just under 4 years so that we can get a mortgage and buy the house we are renting. I have two beautiful children nicknamed May and Roo who are 6…

Hi Everyone, I have been reading lots of DFD over the bank holiday weekend & I think this could be the motivation I need to get all debts cleared/all payment plans finished by the last payday before christmas.... so debt free by 1st December. I spend too much on tat, takeaways and general rubbish! The debts are crap too…