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Getting to grips with my debt!
Hello everybody, I posted on this forum last year. Only the one post and then I buried my head back into the sand and accrued more debt. More fool me eh? Anyways I have decided enough is enough! This week I have spent a grand total of £23 only on food and a car headlight bulb. I have spent money on petrol but that is…
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Reducing Debt - being accountable and taking responsibility
UPDATE / SPOILER ALERT: Go to page 28 / post 552 to fast forward to the result of this particular debt game show ;) Original diary name: Reducing Debt: being accountable and taking responsibility Hi everyone! DFW newbie here! Been a lurker for a while but have been so inspired by reading others' DFW diaries - it's…
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Wasteful spending has to stop: 41 is too old for this
Long time lurker here. Finally decided to start a diary of my own as I really really need to keep self accountable. Bit of background: For many many years I was in significant amounts of debt. My parents were very strict and though they helped with my education in the traditional way, I was totally uneducated and very…
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Starting Again for Future Me
Debts at 1st January 2020: £19,644 There, I said it out loud and with that my debt-free journey has begun. I have been fully aware of my situation for a few months and have already done quite a bit to help myself (yes, my debts were a lot higher than that!). I have no excuses, my situation is completely self-inflicted and…
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First Diary
So, this is my first day with a MSE account and my also my first post/thread. I thought it would make sense to start with my journey to trying to become debt free. I have been reading through and taking some inspiration from other on here for a good few months and really need to take the plunge myself, not just for me, but…
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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?
