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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.
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Hope this helps
Hello, After years and years of irresponsibility and plenty of stupidity, i've ran up plenty of debt (currently just under £10,000 in total). The good news is that recently I've managed to reach a decent salary and can now spend less than my income (even if by just a bit) and have for each of the past 6 or 7 months, so I…
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New start on the debt free journey to freedom
New thread new start to a debt free future. Ive decided I need a kick up the bum my motivation at the moment is I hate my job but the money is good and it's very convenient for dd2s school and home. Another job gor me would mean we would have to get another car which we couldn't afford. So I guess after all that rambling…
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Clearing debts
I have debts totalling £18k. It is a start to say it and another to be determined to clear them. Overdraft £3k Barclaycard 8k MBNA 7k I gamble. Thats the reason I am in debt.I am 70 in 4 weeks. I am alone so I gamble on bingo sites for the company and of course I will win wont I. Haha if i win I just carry on playing and…
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Journey to Debt Free
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I Just Want To Retire Debt Free
Four years ago I already had a fair few debts, but had a well paid job so it wasn't such an issue. Stress and bad management caused me to give up the job and I have spent the last four years in part time jobs, robbing Peter to pay Paul and adding to my debts, a situation which was basically unsustainable. I loved working…
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In debt for 12 years - Now taking control
I have been in debt since i got my first student overdraft at 18, as soon as i got the OD i spent it all and haven't been out of it, just steadily adding to... It is now 12 years later, earning okay money in an expensive rented house and severely hampered by debts that until this last month I have been paying the minimum…
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Freeing myself from shopping addiction - a no spend 2020
Hi all, I'm new around here. I plan on keeping this as a log for my own accountability throughout the year. Every January I lurk here, read the new year challenges, get myself all full of optimism for a frugal year ahead, then promptly end up on the grabbit section. Before I know it, all bets are off. I'm shopping because…
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Accountability Diary
_______________________________________________________________________________ I love reading other's diaries, but I am not the type to write one. I won't remember to update it and I'm not witty enough or knowledgeable enough to have one that people will enjoy reading. But I am creating this so I can keep tabs on the…
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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…
