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Nat's no nonsense DF (DMP) diary
Hello I'm Nat and I've been a member of this forum for years, I've even been on the Debt Free Roll of Honour in 2014 when I sold my house and paid off £38,000 of debt. Here I am again though in another £30k of debt and this time starting a DMP with StepChange, all of my paperwork has been sent to them and pending…
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Finally accepted reality
Hi everyone I've not been one to use forums or anything similar before and it's perhaps why I'm in the mess I am. Last week I finally told my long term partner of how I'd racked up nearly £45k on debts over the years and simply hidden it from her. Whenever she asked me about money I'd just say everything was fine. It was…
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Sorting the debt:income ratio!
Hello! Adding my own diary to keep me accountable! My story - I'm a single (separated) mum to a little boy with disabilities. I work 30 hours in a decent job and just want to get us our own place that will suit us! (Currently private letting, not ideal! No shower, expensive storage heaters etc etc) Have a small deposit of…
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Mental Health and Balliff
Has anyone had debt written off at balliff stage due to mental health?
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Spending Overhaul and much more!
I discovered this site a good few years ago and I’ve learnt so much from it by reading other people diaries. Always being a bit shy about posting but you have no idea how it has motivated me to change my ways. I had a good wage but was spending everything I earnt and still using the good auld credit card. Saving was very…
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Mummyto3boys crawls out of the mire mark 2
So it's been years. So much so my old diary is closed, shut up like a long forgotten relic. The baby I last had is almost 12 😱. I still have debts but great things have happened. Such as I have paid off our mortgage, then moved home and still have no mortgage! I haven't been in my OD for years. I have a job I adore which…
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The Ups and Downs of my Emergency Fund
After many years of being in debt, from my early twenties to my early fifties I (well we) managed to get out of debt, including paying off our Mortgage. But I still can't manage to get a decent Emergency Fund under our belt. Each times we get a half reasonable sum ie. £500 some expense comes along and we are back down to…
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A New Beginning
I've been AWOL for a while and now seems the right time to start a new diary. A brief history - we moved to our forever home in 2021. Twelve months after moving in, I discovered that the children and I had been betrayed in the worst way possible. My marriage ended overnight and I was suddenly a single mum with a huge…
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Planning for the next chapter..............
I’m a long time lurker on here, and have used the tips
picked up from other people to pay off about £20K of debt. I have just under
£600 left to HMRC which will be paid off soon. I’m sneaking on now while I
still have a debt but I’m planning the next stage of life which will involve
saving a large sum! I’m no longer a DFW…
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Reducing Debt, Saving for that Rainy Day
Facing up to the facts that unfortunately all my overspending here and there for a few years now has got me to the point where my debt has accumulated to 20k !! I am horrified, I didn't even think I had spent that much and particularly because I don't really have anything to show for it either! I have definitely had my…
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In a pickle
Oh I seem to have got myself in a bit of a pickle. I’ve started a new business, I love it, I’m recently self employed. I’m paying myself a small wage every week currently until it builds slightly £100 a week. I took out a credit card to purchase initial stock required (£2k) My mortgage is increasing by £260 a month from…
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Ditching the Debt
Hello everyone, I'm a new poster but have been lurking for a while since discovering the forum. I've been reading some of your Debt Free Diaries and felt inspired to start my own for accountability. I'll be turning 40 in two and a half years and I've chosen this milestone as my (possibly too ambitious!) target debt-free…
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Chapter Almost 40
Hello to anyone who's dropping in... I'm almost 40, a single mum on a pretty low income, doing my very best to stay afloat. Juggling trying to get by, get paid, create a fun life for my boy, create memories, have a social life & not start every week in my over draft,,, it's all good fun right? :D The COL crisis has…
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20K to Debt Free by June - Finally Debt Free 27/06/23
DECEMBER 2022 UPDATE - £10,551.67 DEBT PAID Previously 20K to Debt Free by 2024 (Month 13/24) Now 20K to Debt Free by June 2023 (Month 13/19) I've come to realise that it's been a full 12-months since I commenced my debt-free diary. I've decided for that reason to write up a bit of a comparison / progress report based on…
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Time to move forward……
I’ve just unearthed my much neglected previous diaries on here and it’s really depressing to see that nothing much has changed and I still have the same gripes and moans and have never really progressed with moving forward with my life. Whilst I’m still early 20’s in my head the reality is I’m early 40’s and time certainly…
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From -£19,600 July 2022 to £0 Dec 2023 - personal accountability can get me there!
I thought I'd start a debt-free diary since I have spoken to my mortgage advisor, who has said I could staircase to 100%! 1) Debt reduction and repayments plan. 2) Monthly spending budget. The problem I would have is my high amount of unsecured debt, standing at £19,609* in July 2022 ('the awakening'). So, I've calculated…
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'Shoot for the moon' - MoonSeer's Debt Free Journey
This year has been a rollercoaster already and I am desperately trying to stay on track. Life has an annoying habit of shooting curveballs that blindside us so I figured I am going to take things at my own pace and keep working toward my goals. Joining the forum and starting my debt free diary is really a first step toward…
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Diary and plan
A wish to be debt free and on to mortgage free. CC 1 - £1644.55 (£491.82 0% until Mar24). £1152.73 interest accruing (think around 14%) CC 2 - £2385.00 (0% until Nov23) CC 3 - £2239.20 (0% until Mar24) Loan (family) £12,000 Emergency savings - £0 I have £500 left after bills so current plan:- CC 1 - £100 CC 2 - £25 CC 3 -…
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Time to stop being frivolous!
I'm biting the bullet and starting a diary! If anything I'm hoping it'll help me think a bit more about avoiding frivolous spending and remind me to get better at keeping the cards in my pocket. To quickly introduce myself, I'm 31 and live in London with my boyfriend and our rescue cat. I'm fortunate that I work full time…
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Pinching the Pennies
Hi everyone I have been reading through a few blogs on here so thought I’d take the plunge and hold myself accountable! A few things before I begin this blog: I’m a student. I get a maintenance loan and work part time, so times are a little hard during term time. I can work full time during the summer months but this year…
