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2020 is my year
Hello, Right I am going to write this diary this year to myself because I am determined to stay on track this year. Background- working mum of 2 girls. I have a husband who has a few issues of his own, depression and gambling addiction. 2019 was one of the worst years of my life and I am going to make sure going forward…
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Arrow Global
Here's a good one for you. Got a letter out of the blue from Resolvecall who have been asked by Arrow Global to collect outstanding monies from a card I have never owned and this the card was supposedly taken out by me in 2008 and the last correspondence with me was in 2010. It has been statue barred for 4 years. I have…
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A little scared but ready to make a change
Hi all, So I guess I'm not too sure where to start. I'm 26 years old and I am about to start a Debt Management Plan. My finances have gotten so out of control that, for the last 3 weeks I've felt very much like I am spinning out. I am just finishing up a Master's programme at university and, when my student loan stops, I'm…
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Maternity pay and a wedding...
Hello! I've been lurking for a really long time and have finally decided it is time for me to make myself a diary. I am not technically 'in debt', but I have a wedding booked for May 2021 and am about to go on maternity leave with my second child due in a few weeks, so it is more of a diary to avoid the debt coming as…
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Pulling my head out of the sand...
Hi all, I am starting this thread for my accountability of my debt but hopefully to help with my mental state in managing the process. I had a little bit of a mental break down this week and it’s forced me to admit I need help to get things sorted. (Cried all week, not slept, loss of appetite- the works!! I have since…
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Dear debt, it’s not you, it’s me...
I’ve finally had my LBM & I’m simply sick of playing the debt game, so this is my ‘Dear John’ letter to debt as the time has come for me to make more appropriate choices & stop wasting money on interest rates & spending more than I earn. My debt levels have swung from very high to very low over the past 20 years & now…
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New year plus new decade equals, new diary
More details to follow but here we go, I've started it! Goals for 2020 are as follows: *Keep up to date with my penny a day jar (towards DMP) *Keep up to date with my £1 a day jar (towards Christmas 2020) *Daily Tilly Tidying (rounding down the pennies in my current account against the mortgage - if it's at £??.00 I pay…
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Friend in Debt - Suggestions on how I can help
Hi, These are my suggestions: *Switch bank accounts and receive money for doing so -RBS/NATWEST/NATIONWIDE (friend offer). Think Nationwide is the best one as overdraft has the interest free facility, . for the first year, so leaves a bit of breathing room, while paying it down. With the banks putting interest up to 40% on…
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Day One, yet again.
So it’s day one of properly trying to tackle my debt. It’ll come as no surprise to all of you that I’ve been here many times before, but as a wise woman once said “Fall down nine times, maybe you should reassess your walking, because something’s wrong!” But here I am, scrabbling my way up. I’ve had persistent debt for many…
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So close...yet so far away
After lots of hard work and thanks to years of lurking on this forum, I've managed to clear all of my debt, apart from two small amounts. I'm so excited to almost be at the point where I am debt-free and can building up my savings. However, a friend has asked me if I want to buy their car off them, at a good price. My car…
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Debt free 2020 - Quick turnaround
Good morning you lovely people. I have recently added a thread titled 'Pay off which first? Help please'
in the debt free wannabe section. I think I have a plan together however I'm doubting myself. I have been
reading a lot in to Dave Ramsey's debt snowball strategy and want advice if it
is the right approach for me.…
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2020 - New Job, New House & Debt Busting
Hello, I've created a new diary since a lot has happened in the 8+ months since I last posted on my old diary! A quick summary: I've got a new partner, I've moved house (and county!) and I'm starting a new job as a receptionist on the 16th March. The new job is only part-time of 22 hours per week but with an adequate…
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First Party Fraud??? CIFAS Marker v HELP!
Hello! So I’m new to the forum here! Read the weekly emails from MSE but only just signed up to the forum and after some advice! :) I’ve just found out after about 2 years that I have a CIFAS marker against my name. It was put there by Sky when I moved into a house and took out broadband with them. The first payment was…
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£1300 in hole to Don't Touch It! Savings
Hi there, I don't know if this counts as a debt so please move the thread if necessary. Essentially I am in £1300 debt to my "Don't touch it!" (DTI) savings. This money was used to ensure that my credit cards were paid off in full and on time, plus some to cover SWMBO's half of mortgage and bills, before I put them away…
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£121K debt payoff - challenge accepted
Hi everyone. This post has been a long time coming. I've been reading through diary after diary and marvelling at everyone's progress, so I've finally registered and here I am, a shiny new diary. With some very big numbers. Please be kind. The debt is huge. It is shared between myself and my husband, and we want it gone.…
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Fighting debt alone- the sword is out
Hello first day new diary new thread. It’s Christmas Eve and for the first time ever my debts, my income and life is scaring me. I’ve been on here doing some of the challenges for a while. I’ve spent most of my adult life being okay not well off but okay. There’s always been good food in, bills paid, money for nights out…
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Battling with Myself
After lurking on here for some time, I have decided to take the plunge and start my own diary as I have had my LBM. Things can't go on as they are. I love seeing all the support everyone gives each other and could really do with some right now! My situation: In 2016 I was £10,000 in credit card debt, from purchases,…
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Trying to be debt free in 2020
Happy New Year to everyone! I have been an avid reader of many a diary on here over the last year but I am guilty of not posting myself so I thought I would create a diary to try and keep myself accountable In 2019 myself and the OH managed to clear over £7000 of debt however since then our washing machine, fridge freezer…
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The Bones
So I have been AWOL for approximately two months, I really needed the space and my head just wasn't in the right place to post on my diary, although I did have a small stint on Instagram. The title of my new diary comes from the song by Maren Morris from her new album. Time for an update. The Good The debt is reducing :j…
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Moral support needed!
Hi! I’ve moved to the Debt Free Diaries from the Debt Free Wannabe thread. I posted my situation and SOA a few days ago and have since received loads of really great advice. I’ve put a decent plan together, using the Snowball method, am listening to Dave Ramsey’s podcasts and coming to the DFW forum everyday. I’m just…
