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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,…
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Dave Ramsey UK
Was trying to adapt Dave Ramsey's Baby Steps for the UK, here is what I came up with... Baby Step 1 Emergency Fund £1000 Baby Step 2 Pay off debt (except Student Loans & Mortgage) Snowball (psychological) or Stacking (financial) Baby Step 3 Emergency Fund 3-6months essential expenses (approx £3-5k per person) To give a…
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Mindful or Mind full?
So....... life appears to have changed today! I came downstairs to a letter from my partner saying he needed time away. After 11 plus years. Not sure how I feel. At the moment I need to get a job. Not as easy as that sounds as I have quite a problem leaving the house at all. I am waiting to get to the top of the list for…
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Puzz is still trying with claws - my dmp journey keeps going
Hi, I've had to create a new username and account since the switch over.. so my old diary has come to a close and this will be the new diary for 2020 and beyond....
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The Simple Bare Necessities feat. Gratitude & Recipes
Hello :hello: I think that the time may be right to start a new diary. So much has changed since I started my 2nd diary, which can be found HERE and we're a whole lifetime away from my first diary, which can be found HERE Whilst my first 2 diaries concentrated on living a simple life, concentrating on debt-avoidance for my…
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Debt Free in 3 years
Hi I am starting this diary to keep myself on track. I have built up 20000 pounds worth of debt over the last 8 years or so due to offers from catalogues and limit increases from CC. Money went mostly on clothes and items for my kids. My light bulb moment hit when I realised I am going to reach retirement age in 14 years…
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If I want to take the next step in life I need to make some big changes...
Hello... Coming here with my tail between my legs a wee bit, as I'm still here, still in debt, after nearly 6 years (which is as many years as you CAN be in debt at my age). First time in the debt free diaries section however, as I feel it's time. Ever since I was old enough to have a credit card, I've spent spent spent on…
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Redmel's 2020 Diary: (Nearly) Halfway There.
I have decided to start a new diary for 2020. I fell off the wagon over Christmas, but thankfully not by too much, and added a bit of debt to the pile. However, in January, I did manage to pay a few small debts off, so it has offset the added debt a smidge. We started off with £31495.52 in debt and as it stands today we…
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Virgin Media old debt - default date vs delinquent date
HI all, I have 3 old debts showing on my credit file from Virgin media 2 of them have default dates so I assume they will fall off pretty soon as the default date is almost 6 years ago ( due to moving house and they saying I didn't inform them) although I had their services at my new address!! the one that is bothering me…
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Life is what happens to you while you’re busy making other plans .......
Life is what happens to you while you’re busy making other plans..... I had a bit of an all round lightbulb moment / wake up call the other day. Sat having a works Christmas meal with 3 colleagues that I have worked with for years and more importantly get on well with and literally had nothing to say or add to the…
