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Dark Sunday's 6 Year Plan
Woke up this morning & it was dark, wet, cold & quite depressing. Had a HUGE hangover when analysing the normal festive season's over indulgences & more depressingly the irresponsible overspending. It was a true DARK SUNDAY for me. I felt so depressed & despondent when reflecting this morning. This afternoon I went for a…
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This Year getting focused.
Been fighting debts for years, them going down and then going up with various unexpected bills. A week into this year setting myself targets. 1. Clear what debt is left £1750. Did start at nearly 14K 2. Unfortunately Clutch went on car this week need to pay off £500, not a great start to new year, hating being without a…
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Advice needed Credit Card & Remortgage.
Hi all, First post on this forum, not sure if this is the correct place but can't think of where else to put it, please correct me if I'm wrong. I currently have a credit card which has £1,330 on it which I'm paying the minimum £25 a month on. Its 0% until 11/08/2020. My two year fixed mortgage ends this October, at which…
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I'll be writing in this forever.
A diary seems like a good idea as I have nobody to talk to about debts. I just think quietly. This is almost at least like thinking out loud. Felt like my world was going to implode today. Opened a letter (first I have opened in about six months). Had a second wind... Emailed a few people. I don't know why I am feeling…
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Just Keep Swimming...
as a little wise blue fish once said just keep swimming, just keep swimming - what do we do we swim. I feel this has been our mantra for a while - and will be so for the future, as we will need to just keep swimming along this debt free path and knowing at the end is a debt free future and the ability to save for our own…
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Aiming for single, sorted and solvent
Hello, Sparkly new diary here - long time lurker, occasional poster and now aiming for debt free diarist! A bit about me - I am a single mum of three gorgeous kids - aged 7, 9, 12 who are with me full time, along with a menagerie of cats and dogs. It's a crazy house and I'd probably be a lot richer and living in a much…
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Mummy to be of three...want to be debt free!
Ok hey goes.... I've decided that next year I really need to get my finances in check on credit cards alone my husband and I have £4,800 on them, must of this is just stuff which makes me so ashamed - since October alone my husband and I have put £1000 on credit cards :eek: part of this is Christmas (totally overspent this…
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Love to shop but hate the debt
:wave::hello: As the title suggests this is my downfall. Having stumbled across this site by accident ( I still can't remember what i was looking for) I started reading some of the diaries and it was from reading those that I realised I do have a problem. I always thought everyone had debt although it was one of those…
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Time to Change
Hi all. I'm Matt and I have come here to turn things around. First off, I just want to thank my gf Nicola :love: for supporting me and my sister (AmyWoodmead on this forum :wave:) for encouraging me to come on here and face my problems. I literally wouldn't be doing this if it wasn't for you. I have been in debt for my…
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Debt free by June!
Hey all, reading through some of your diary’s has made me want to post mine! I was 16 when I was first ever offered a “catalogue loan” stupid me thought this was a great idea at 16 being in college earning a measly £120 a month. I of course never paid it back, didn’t think much of it and let my debts run up. A few years…
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Room to breathe
So this is kind of a diary, more to myself than anything else. Kind of embarrassed writing online. My friends and family would think I was mad. I am married and have a gorgeous 2 year old daughter. My partner works full-time, decent job, ok money, but I earnt £3000 last year. I stay at home to look after our daughter and…
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In it for the long haul
Hey all, Well let’s start at the beginning I’ve made a lot of bad decision in my life regarding money and now is time to stop and start digging myself out of the hole I’ve managed to get stuck in. So this is it paying my debt off one step (or month) at a time. I have made a small start but now I need to knuckle down and…
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Fixing Today for a Brighter Tomorrow!
I've been in debt for the entirety of my adult life, through student loans, overdraft and then credit cards… There is no real reason for it other than living a lifestyle outside of my means and being overly generous with my friends and family. I love to treat other people to meals, days out etc. Particularly my partner who…
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Looking into the light and starting afresh
I used to be a regular on these forums many many years ago and managed to clear over £18k of debt, all racked up on frivolities and whilst earning little more than minimum wage. Looking back now it seems staggering that I managed to achieve that, and even more staggering that I have allowed myself to undo all of the good…
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Do One, Debt!
Hello, I've been lurking for a while knowing that I need to do something about my growing debts, now I have finally taken the plunge and started a diary :T: I used to be the ultimate moneysaver! I can't believe how bad I have been in the last few years- missed payments on cc's for no good reason!?! My mental health…
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Cat Lady Chronicles
About me. - Mature student studying Law - Cat Mum x 2 - Video games are life - I spend too much money on coffee in cafes - Managing (sort of) my borderline personality disorder via drugs & therapy. - Collector of books - Voted most frugal amongst friends - Voted most likely to make a frivolous purchase amongst those same…
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2020: The End is Nigh!
No, not like that! ;) I'm not sure why I am starting a new diary but my old one is a bit flat (my fault!) and everyone else seems to be doing it and we are entering a new decade and all that, so it seems like an optimistic renewal of my intention to debt bust! I started off with debts of £11,640.02 borrowed from a relative…
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So here we go..EEEK
I have finally took the plunge and have cancelled my Direct Debits for my credit cards. I am in just over £24k worth of debt and have simply been paying the minimum every month but nothings moving. Mainly because I then dip into the to cover things like petrol as the monthly repayments are over £800, it really is a viscous…
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BigDreams family chasing the debt free dream
HI A family of four looking to be debt free. We've always been lucky to bounce along paying off credit cards and thinking we were doing ok until the end of 2018 we realised we were carrying debt. Cue some really tight months and throwing everything we had at it and we did it! We cleared the debt! For four months it was…
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I want to believe I can do this!
Is this how I start a diary? I don't know whether anyone would want to read it but I hope it will keep me focussed and on track to becoming debt free. I am inspired by the diaries I've read here and would welcome advice when I get started.
