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Time to deal with this...
Hi all, I'm new here, been reading the boards for a few weeks now and after putting my figures and spreadsheets together, I've decided to make my own diary :D Situation: Self employed (own a small business with 1 business partner and 1 employee), have been on a good income for the past few years (around £47k). Everything…
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Greetings
So it's the end of 2019. I am 53, in a relationship (but I owe them more than a debt of gratitude for their support) and in the hole for nearly 30K. Credit cards 21,750 with MNBA Personal Debt 6K ( and rising) car in storage and costing 500 per quarter with 3k of debt) and cant be released for sale until the debts are paid…
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Bit of advice
Hi, just abit of advice as it’s the new year, I currently have a Loan of £4000 which is £226 a month which has has 19 months Credit card bill of £1000 pay currently £30 a week I current have £7000 saved up in a saving account and £2800 in a help to buy isa, as I want to increase my saving do you think I should pay my debt…
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Beginning my journey...
So tonight, I am finally facing upto my problems... Over £19,000 in debt. Robbing Peter to pay Paul each month, and I can no longer keep it up. I have submitted my details to PayPlan, and am hoping to apply for a DMP. I earn 1350 a month, and currently £1050 is going towards debt payments each month (which includes several…
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Buffy's 30 Month Plan
Hello All, I have been here for a really time, got out of debt twice and then got in debt again! It is like a hobby.........a really crap limiting unsatisfying hobby! Currently I am 4841 pounds in debt, don't own a house and have about 1000 across very various accounts for insurance, Christmas, the Summer etc. In thirty…
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Debt free living and looking to the future.
Happy new diary:j. I decided that my last diary had become depressing and negative, so here I am shiny new diary, positive outlook and ready to take on the world. I woke up this morning feeling good which is something that hasn't happened for a while, did 30 mins of yoga which left me feeling energised and ready for the…
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My debt free diary
Hi. I've been thinking about doing this for a little while. More to motivate and keep track of myself than anything else. I've always been bad with money and when I turned 28 credit was chucked at me and I took it and spent it on unnecessary things and now I'm feeling the brunt of it. Me and my partner have a lot of debt.…
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misstara's debt diary 2018
Almost 4 years ago I started a debt free diary called misstara's debt diary 2014. At that time I was over £10,000 in debt which was paid off earlier this year :D . I've decided to start a new diary as I've run up new debt although this time due to moving into a new flat that had to be furnished and buying a car. The…
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No Plan B
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Working the numbers 2019 style
Hi long time contributor - first time with a proper diary I want to start this to hold myself accountable, and to focus on getting myself in better shape financially and domestically and personally. Life for us (OH plus 4 cost centres, now all grown up but not all left home) has been a bit choatic but calming down now. My…
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Isca’s Journey
Hello, my name is Isca (well it’s not but it is in here :rotfl:), I’m 37, married mum of 2 with debts to pay. My children are DD(8) and DS(4). We’ve made some bad decisions in the past and been able to save ourselves from debt by depleting our savings. However a mix of factors over the last year have seen us with credit…
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I'm ready to be debt free!
Unlike a lot of stories I've read so far, I've actually been comfortable in debt for about the past 8 years. Comfortable as in - I've been paying minimum payments and trying to live my life and forget they are there. Through my twenties, I lived life as if nothing mattered. I partied, over-spent, lived beyond my means and…
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My year of living dangerously
My work is moving to a new part of the country. So, I won’t have a job after August. What do I do? :eek: The money situation could be better. There is only me but I am debt and mortgage free :j (Thanks to people on this forum) FINANCIAL POSITION A work payment (tiny! less than an average PP1 payout) Savings from salary…
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New plan...time to see some movement!
:wave: Hello! I've decided it's time for a new diary. I've been doing a lot of thinking recently and have come up with a new plan. My debt is all at 0% on my DMP and is just clearing, albeit very slowly at £1 a month. This will increase when little miss gets her free hours at nursery next year. Our mortgage is £118,511 and…
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Quit..rest ..restart . Diary no.3
http://forums.moneysavingexpert.comshowthread.php?t=5349916 And possibly the last . Not sure if the link works . From someone who never bothers with diaries ( I’m the person who gets one from the office but leaves it in a drawer for 2 years ), to someone who has done two on m s e . As the title suggests , diary 1 is quit (…
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Determed To Do It
Yes... this a new diary... again :A There is a new plan of action in place, so I felt things needed a clean thread. For anyone who was reading along on my last diary, my OH is in the process of selling his old marital home and was going to be in a position whereby he would clear my debts and I would just repay him monthly.…
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Crazy Cat Lady Chapter 3 - A New Beginning
Good morning everyone, :hello: I've had a bit of a break from the forums over the past couple of months, but today seems like a good time to come back on here and to start a new diary. An awful lot has changed in my life over the past couple of weeks and it's going to take some time and effort to adjust, and more than ever…
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Gap is Back - Time to Knuckle Down
It’s been about 20ish months since my last diary although it feels a lot longer. My financial situation has changed somewhat (for the worse) since then and I really need to get on track. My previous diaries helped immensely so I’m hoping to get back into that routine again. Quick update: I had some health problems around…
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3rd Time Lucky?!- Attempting to clear £6645.93 of debt in 105days (3months+13days)!!
Ok so have kinda messed up turns out Haliwax (cc2) have started charging interest 2 this month...seriously confused thought it had a much longer 0% interest term. So have stupidly opted for a 3 month 0% Interest balance when I should've got a longer term...only a £4 interest on a 3.5k balance but damn Im so annoyed with…
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Debt free by end of 2021
So here it goes... After many years of being stupid and burying my head in the sand, I have decided enough is enough. With debt currently standing at £15,500 I need to take control. My plan is to get this gone in two years, with cut backs, reducing Bill's, selling items we no longer need and working extra hours at work.…
