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Champagne supernova’s debt free to savaholic diary
Hi all , Im going to start documenting my journey to financial stability and security. I have a post about my DMP here : https://forums.moneysavingexpert.com/discussion/6509459/at-the-end-of-my-2nd-dmp#latest My story is as follows: Debts at their highest - £11, 274.34 Debt-Free Date (projected) - July 2024 Debts March…
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2020++ - smiling and waving and looking so fine
Hello welcome to my shiny new 5 years (I hope) diary. The title is based on my favourite lyric from the Bowie song 5 years - https://www.youtube.com/watch?v=4bcnO3VQ_fc - I commend you to go and have a listen - its the live Old Grey Whistle Test version and is hauntingly beautiful. Why a 5 year diary - well its is…
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Dreaming of Disney
Hello there!! I haven't looked on here for a long long time but i think it's time that i did. January has been an absolute whirl wind of deciding what to do, how to do it and gathering my thoughts, bit of a practice start to the year, so im going to start from February pay day, which happens to be tomorrow. As of the end…
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Evasive action! Stop the trench becoming a hole.
I need to take evasive action, and I need to hold myself accountable. I'm not going to call where I am a hole. It's still a rut. A trench. I've got savings, but they are in accounts where they earn good interest rates so I hate touching them. I've just moved house, and I've been doing a money shuffle every month, borrowing…
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Baby Steps to a brighter future
I'm one of those boomerang DFW. Was on here previously having cleared 10k of debt post marriage breakdown, divorce and moving on. Was debt free for a couple of years and due to some pretty rough set of circumstances find myself back here with an even bigger debt. This debt is not from being frivalous, far from it. Life has…
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Debt Free at 63... What next?... [Equity release on mortgage free house 2025]
Hi, I need some sage advice from our fantastic hive-mind :) I am considering equity release on mortgage free house in the next couple of years. Sadly my son died a couple of years ago so I now have no family I want to leave my inheritance to. * I am single, 63 (still work teaching 3/7 days and reach pension age at 66) * I…
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Spent 4 years pretending it's all OK
Bewildered, confused, terrified that will lose everything we have worked so hard to build up. Over 70 K unsecured debt and 28K owed to family. Have been self employed for 10 years but business gradually gone down hill in recession. partner went back t o work, on good salary 47K but not enough, plus some money still coming…
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My new debt free diary :)
Hi everyone! This isn’t my first debt free diary but I hope it’s my last :blush: I’m making this diary so that I am accountable to myself and I plan to update it as often as possible. I am 38 and have been in debt since I was 20 and bought my first car. Not massive amounts but enough to affect my monthly income. I have 7…
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7 years lack of control ... 18 months to regain it
I’m not going to go into too much detail but I’m £14k in debt after 7 years of no control , living for the moment. I’m getting married in 18 months and H2B has zero idea of my financial situation and I refuse to get married with this hanging over my head. In the last week I secured a new 0% BT card for 22 months and had an…
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A Lifetime of Debt - F, 40s, autistic, parent, professional
Hi, I'm starting a diary, as I always have a lot of thoughts, but I'll try not to disclose myself, as I really am a librarian and I'll want to talk about being autistic, which narrows down who I am already, although I should be safe! Between me and my husband we are in about 9k of unsecured debt, I owe just under 7k to…
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Still Vegan, mis-diagnosed Bipolar (actually ADHD) and Debt-free since 2020
So many years since my last post on this forum. I have been through so many transformations and leveled up my financial knowledge several times but I hit a sort of wall in my progress and decided to compare how I'm doing now in my so-called "struggle" with how I was doing back when I was in hard-core get-out-of-debt mode.…
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I shouldn't feel skint ...
But I do. I am very
ashamed to post this, but despite having a decent income I find myself having
to really watch my spending for the last week or two before every payday. I
also have stubborn credit card debt, accrued when I was younger and skinter,
that I should have shifted but haven't. I've recently had to borrow money…
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Barclaycard statement date calculator
Barclaycard don't make it very easy for you to find when your next statement is due. The logic, is that it's always the {N'th} WORKING DAY of the month. Giving them 20 statement runs a month. It would be helpful if you could find this data on your previous statement. Some maths later!! Here's a useful table for everyone WD…
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Opos Limited scam?
I just received an email from this bunch, checked online and they seemed to be a legitimate debt collection agency. I clicked the link to go to ‘my account’ online to be asked personal details including date of birth and contact details to verify I was the correct person. As this seems like a scam I called instead, only to…
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I've really got to sort it out
Oooooomph. Where do I start? I just struggle with impulsive spending and keep spending without sticking to the budget and get debt accumulated on my credit cards. It is nothing out there either, just toys for my son, but mostly expensive food and snacks and takeaways. A little bit of clothes shopping here and there (but…
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Getting out of debt poppy style
Time to organise my life and get out of debt. Currently single and in debt to the tune of around £21000, had my wake up call this morning when i got to work and my card was declined for a coffee :( had to borrow the money off a work collegue. Tomorrow i will raid my piggy bank and buy a flask and start making tea and…
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Falling at the final hurdle
So, I am a little bit late to this …. I am quite away through my debt journey. Probably about 20 years - that have nearly broken me - but have been better the last 4 years or so. Partly due to not being a single mum, my children having their own income, my salary having increased a bit and going into and coming out the…
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Retirement wannabe
Hi everyone Not sure this is the right place to be posting my diary but can’t see anywhere dedicated to retirement diaries, I do have some debt too so hopefully you won’t mind me posting here 😀 Been thinking about retirement for quite a while now. I am only 50 but definitely don’t think I could do another 17/18 years so…
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HELP, is this a scam? I’m freaking out
H i, I just recieved this via email. I’ve worked so hard to be debt free and I am nearly there but I have a fear I have missed something along the way. Is this a scam? It’s set my anxiety off and I am panicking
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Balance crept up ever so slowly... Now the wake up call
Hello everyone, It's a bit scary starting the thread on here but I feel like I need a accountability. I've managed somehow to accrue just under £1800 of credit card debt and finally smelled the coffee when the minimum payment skyrocketed overnight. I have gone through all my spending over the last two months, wrote down…
