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Long Time Lurker
£26,656.29 = total debt. Loan 1 = £14,058.13 @ 3.0% Loan 2 = £8,342.19 @ 8.9% CC1 = £793.52 @ 0% CC2 = £3122.45 @ 0% CC3 = £340 @19.9% Basically, moved house and borrowed a load of money from parents and grandparents to facilitate move. Had to pay them back so got loans out. Credit cards have appeared due to my wife being…
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Aiming to pay off overdraft by 2021
Hello :wave: I am hoping a diary will help with staying on track. I currently have an overdraft of £1400 which is about to increase to 40% and I need it gone. Also have very £350 Lloyd’s £1500 M&S £1800 Aqua £150 Trying to be :A but not very good at doing the right thing and very lazy. No spend day today and not very much…
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Debt-Free by 35
Fell into the overdraft trap aged 18 when I was working part time, and owed around £6k in debt by age 20. :eek: I'm now 25, I currently owe £10600 in the form of a personal loan and 3 credit cards. Last month I used a bonus at work to pay off and remove an overdraft so my spending money account is now in credit every month…
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Where is it all going??
Hi All. I have been reading quite a few posts in this sub forum lately and this has prompted me to start a thread of my own as I might get some advice of my own. Basically, I earn a good wage for where we live (in the North East), My girlfriend earns average, we have a BTL property we rent out and we have 2 kids We…
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Advice Please Regarding a CCJ
I owe a telephone company £700 been paying £1 a month for two years now since they did CCJ on me in jan 2018. Now they contacted me saying I can pay them £200 instead and they won’t chase me anymore. I live at a different address then the one they have even if they can get new address they can’t come and take stuff as it’s…
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Empty Bank Account & Head & Heart
Where to begin? I have been reading for almost 3 years but maybe now is the time to start my own diary to give me some sort of focus on my future.
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Project 2025
I had my LBM a couple of weeks ago, having been waiting for it for years. It’s very frustrating to only now be understanding the value of money when I’m at the bottom of the barrel, but I suppose it’s borne of necessity. I needed to get here (and to hope for better) in order to make a change. I’ll try and make a long story…
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Making this official
Howdy, I've been trying to flirt with working on clearing my debts for a while now and since Sept I've had an all-powerful Spreadsheet setup that I'm suppose to try and follow. Last summer I was, I hope, 'peak unsecured debt' when I was £13.5k in total spread over 5 credit cards, 2 high interest loans (MrLender and…
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Debt Free December 2023
I think Debt Free December 2023 has a lovely ring to it! It is also when the fix on my mortgage comes to an end so I would love to be free of all credit card and overdraft debt by then so we can 'start a fresh with our finances'. Our baby will also be just starting school and our finances should be better due to reduced…
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Pips needs a cunning plan....
Hello all Been around here for ages, (2008) and life's been quite tumultuous! Change of user name as lost log in. doh!! We've been seriously looking at our finances and contemplating what to do to plot an early retirement. Household consists of one husband (f/t employment), me (f/t employment) one dog (no income), extended…
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The Globe’s reducing the debt 2020
Hi all, I’ve been a long-time lurker and used to post on the boards very seldom years and years ago but always pop in and have a nosey. I’ve had a small moment of courage and I’m making this diary to try and track us as a family getting on a better financial footing after a good couple of years of overspending (some…
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Hope_Street's almost there.
OOO this is a little bit scary :# but here goes ... Hello lovely people, like many I have lurked for quite a while and have decided to decloak, as it where, and start my own little diary, A little bit about me first, I work in the NHS so not a very high earner lol. Through bad relationship choices I found myself last June;…
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LullaBelle's long road to being debt free!
Diary is now for mine and my husband's debts Hi everyone, I have taken the brave step to write my own debt free diary. I have spent a few years reading everyone else's and promising myself that I will take advice from them. So finally here I am. I am 30 years old and in too much debt. It is all down to stupidity and buying…
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When life sends you lemons..... Well I guess you just knuckle down
Hi all, I'm a returning dfwanabee. My first flickering LBM was in 2006, then it became a blinding one a year or so later, by that stage my debts were about £45K. I became debt free in 2012 and was determined to never go back, I made myself a promise to never keep a credit card balance past its due date etc. During the time…
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McDonald's car park penalty charges
Always go to the same McDonald's for a fast food treat with 2 toddlers, age 3 & 5. In December, 2019, husband got our 2 kids. Drove in and parked. Ordered meals and kids played in the play area. I joined them half way after Christmas shopping. I arrived the McDonald's restaurant on foot. Ordered my own meal. With the slow…
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TravelGirl84's DFD
Hi All Ok, here goes. I will try and make this as short and uncomplicated as possible. My current debt stands at £28990.63 (without int.) :( . I was initially ok with this because I was dealing with it, and for the most part it is for big purchases and not money that I've squandered. In March this year it was approximately…
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On the road back from the brink
Hi everyone. Seeing this forum, and all of the wonderful work that everyone has done to make themselves debt free, has been incredibly inspiring. So much so, it has inspired me to start my own debt-free diary. Thank you everyone for being such an inspiration. How did I get here? I will be honest, I have always been bad…
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Reeling from the Reality Check
Well, I have finally faced up to the huge debt mountain I have to climb after years of denial when I was spending without thinking of the consequences. Paid for three children to go through university, supported them with living expenses etc. Husband took early retirement and a small part time job which paid him his…
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Help me work our where my money went
I have a great job with commission most months so I have just run with my basic wage. My commission usually £1000 at least a month so what I want to do is save that. When I look back over last year I earned £12700 commission plus whatever was usually left from my wage but still only have half the savings. Don’t get me…
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Credit Card Debt - Girlfriend Doesn't Know..
Hi all, Hesitated for a while before posting here, but have read other people's stories and found a lot were getting good advice and support, or even just using it themselves to keep track. So this is my first post, hopefully to be updated in due course with more pleasant figures. I have recently looked at my finances,…
