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Finally sent the letters
£26k in credit card debt and have been transferring balances around for years to little avail. Paid £7000 in repayments 2019 but my overall debt balance has come down at a snails pace. Frustrating and soul destroying. Started to affect my health and well-being never mind my quality of life. Lurking around this site for…
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D - 16 Months
Hi there. I'm starting a diary to keep.me on the straight and narrow, lurked the sight for years. gradually got ourselves into masses of debt over the last 10 years, nothing extravagant just really bad budgeting skills.... Since February we have paid off around 6k, one of that was selling a car. Going down to one car has…
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A New Year, A New Start
Things have changed dramatically since I started my last diary, so I thought I'd jump on this opportunity to start afresh. Major changes:* My OH has moved in with me and we have semi-combined finances * I am finally about to exchange on my very own tiny flat * I am quitting my awful job today! Lots of upcoming expenses and…
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No more plastic fantastic
Hello Fellow MoneySavingExperts! I am a very long time lurker who is finally coming out of the shadows to say a huge hello and thank you for all the inspiration I have read during lurkdom! Ironically, I am joining in just as we have (almost!!) become debt free. My Husband and I had run up quite a significant amount of…
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Cleaning up for parents. Loans + SOA Calculator
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Stressed, depressed, but going to try our best!
Hi everyone! I've spent a few weeks reading through the forum and you've all really encouraged me to take back control of my finances! My situation is that I live in a rented property with OH and 2yo Son. We're in around £8k of debt (Made up of numerous catalogues, credit cards, and recently not keeping up with bills…
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Can I do it by myself?
Hi everyone!! I remember when I was young I assumed I’d be married own a home and have children by 30-40..unfortunately not true. Not all bad though, I have a loving partner and 2 children .......and a horrid online slot gambling addiction. I had debt way before the gambling started which I had under control with a DMP,…
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We can do this
After some great advice on DFW I've decided to put together a diary so I can put down how I'm doing, feeling and generally whats going on with my plan to be debt-free. First a bit of background. I live with my partner and our two children, 8 and 2. We also have a cat, a dog, a rabbit and an axelotl. We've managed to accrue…
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Scuba's Saving the Ha'Pennies
After my somewhat unpredictable last year I have moved back to the South and am starting my debt free journey from a new start point. Last year I was unemployed for almost 8 months which unhelpfully coincided with the things I had organised before my unemployment and I didnt want to cancel (the wedding of one of my best…
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UK debt assistance in Australia
Need assistance please
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Life Starts Now
Hello everyone I’m here to keep a track of myself as I find it so easy to keep slipping into debt and once I’ve finished paying it off this time, that’s got to be it! I have been in the same job for 20 years and there is a strong likelihood that I am going to be made redundant some-time soon. I have debts which amount to…
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We used to have children, now we just have debt...
Hi, I've been a member of the forum for over a decade, and it is thanks to many of your diaries that I am not in even more debt than I am, but now at the turn of a new decade, and a lot of changes in mine and DH's life, it's time to tackle the £10K of debt we have on credit cards, then tackle the mortgage, then hopefully…
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Debt Free In One Year
I've had some unfortunate luck in the last few years, namely being diagnosed with an incurable disease and being off work for a year! I racked up a bit of debt and pay day loans. Anyway I'm back on track now and looking to squish this debt within a year so I can then save for a house afterwards, some of the payments have…
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Time to get focused!
Hi all, Newbie here! Long story short, I got a credit card at 18 whilst working in London on a low wage. Tried to chase a lifestyle I couldn’t afford and suddenly after multiple balance transfers I’m £30k in debt at 25 with a one year old (Mat leave pay also didn’t help!) Fortunately I am able to afford the repayments and…
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ex and would be ex-gamblers support thread
There seem to be a good few posts recently from people who are in debt due to gambling and I wondered if anyone else thinks a support thread or a sub-board like the bankruptcy sub-board or giving up alcohol thread would be a good idea?
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Struggling through 2020
As the title would suggest it will be a struggle financially to get through 2020, well January at least. I am a uni student about to go into my final year and waiting on references for a part-time job to go along with my bank (zero hrs) one. I literally have no money for January & anything I make during the month will be…
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New year, new thread, new me!
Jan 5th 2020 .. New year and a new thread, if you check out my last thread you can see I have not been active for a year! (That went well). Okay so I am back... Lets update you! So we moved in with my parents (7 months now) all is going well, no dramas as of yet even managed well when my younger brother came home for…
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Finally getting sorted
I've been here before and always managed to run up huge debts again. If I'm honest I don't really know where the money has gone and have nothing to show for it. I could use my health and diagnosis as an excuse but at the end of the day I'm 30. I've done this no one else and I need to sort it. I have three debts. A credit…
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Debt Free before 40 - 356 days to go
Long time lurker; first time diary entry! I am feeling the need to hold myself (and family!) accountable to achieve the goal of debt free before 40 (only 356 days to go!). Debt at highest was £30k and as of 1st January 2020, this is now £5560.13. This has taken several years of hard graft, lots of budgeting and trying to…
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Second time around the merry go round
Hi all, I wanted to start up a thread here to document the year I finally get debt free. I’ve been here before, around 6 years ago now and got through it. This time isn’t as bad, but I’ve been living beyond my means again, and wanted to get this all down in writing. Current situation Credit cards: £1100 owed / £5650 limit…
