Debt free diaries

More details to follow but here we go, I've started it! Goals for 2020 are as follows: *Keep up to date with my penny a day jar (towards DMP) *Keep up to date with my £1 a day jar (towards Christmas 2020) *Daily Tilly Tidying (rounding down the pennies in my current account against the mortgage - if it's at £??.00 I pay…

Hi, These are my suggestions: *Switch bank accounts and receive money for doing so -RBS/NATWEST/NATIONWIDE (friend offer). Think Nationwide is the best one as overdraft has the interest free facility, . for the first year, so leaves a bit of breathing room, while paying it down. With the banks putting interest up to 40% on…

So it’s day one of properly trying to tackle my debt. It’ll come as no surprise to all of you that I’ve been here many times before, but as a wise woman once said “Fall down nine times, maybe you should reassess your walking, because something’s wrong!” But here I am, scrabbling my way up. I’ve had persistent debt for many…

After lots of hard work and thanks to years of lurking on this forum, I've managed to clear all of my debt, apart from two small amounts. I'm so excited to almost be at the point where I am debt-free and can building up my savings. However, a friend has asked me if I want to buy their car off them, at a good price. My car…

Good morning you lovely people. I have recently added a thread titled 'Pay off which first? Help please' in the debt free wannabe section. I think I have a plan together however I'm doubting myself. I have been reading a lot in to Dave Ramsey's debt snowball strategy and want advice if it is the right approach for me.…

Hello, I've created a new diary since a lot has happened in the 8+ months since I last posted on my old diary! A quick summary: I've got a new partner, I've moved house (and county!) and I'm starting a new job as a receptionist on the 16th March. The new job is only part-time of 22 hours per week but with an adequate…

Hello! So I’m new to the forum here! Read the weekly emails from MSE but only just signed up to the forum and after some advice! :) I’ve just found out after about 2 years that I have a CIFAS marker against my name. It was put there by Sky when I moved into a house and took out broadband with them. The first payment was…

Hi there, I don't know if this counts as a debt so please move the thread if necessary. Essentially I am in £1300 debt to my "Don't touch it!" (DTI) savings. This money was used to ensure that my credit cards were paid off in full and on time, plus some to cover SWMBO's half of mortgage and bills, before I put them away…

Hi everyone. This post has been a long time coming. I've been reading through diary after diary and marvelling at everyone's progress, so I've finally registered and here I am, a shiny new diary. With some very big numbers. Please be kind. The debt is huge. It is shared between myself and my husband, and we want it gone.…

Hello first day new diary new thread. It’s Christmas Eve and for the first time ever my debts, my income and life is scaring me. I’ve been on here doing some of the challenges for a while. I’ve spent most of my adult life being okay not well off but okay. There’s always been good food in, bills paid, money for nights out…

After lurking on here for some time, I have decided to take the plunge and start my own diary as I have had my LBM. Things can't go on as they are. I love seeing all the support everyone gives each other and could really do with some right now! My situation: In 2016 I was £10,000 in credit card debt, from purchases,…

Happy New Year to everyone! I have been an avid reader of many a diary on here over the last year but I am guilty of not posting myself so I thought I would create a diary to try and keep myself accountable In 2019 myself and the OH managed to clear over £7000 of debt however since then our washing machine, fridge freezer…

So I have been AWOL for approximately two months, I really needed the space and my head just wasn't in the right place to post on my diary, although I did have a small stint on Instagram. The title of my new diary comes from the song by Maren Morris from her new album. Time for an update. The Good The debt is reducing :j…

Hi! I’ve moved to the Debt Free Diaries from the Debt Free Wannabe thread. I posted my situation and SOA a few days ago and have since received loads of really great advice. I’ve put a decent plan together, using the Snowball method, am listening to Dave Ramsey’s podcasts and coming to the DFW forum everyday. I’m just…

£26,656.29 = total debt. Loan 1 = £14,058.13 @ 3.0% Loan 2 = £8,342.19 @ 8.9% CC1 = £793.52 @ 0% CC2 = £3122.45 @ 0% CC3 = £340 @19.9% Basically, moved house and borrowed a load of money from parents and grandparents to facilitate move. Had to pay them back so got loans out. Credit cards have appeared due to my wife being…

Hello :wave: I am hoping a diary will help with staying on track. I currently have an overdraft of £1400 which is about to increase to 40% and I need it gone. Also have very £350 Lloyd’s £1500 M&S £1800 Aqua £150 Trying to be :A but not very good at doing the right thing and very lazy. No spend day today and not very much…

Fell into the overdraft trap aged 18 when I was working part time, and owed around £6k in debt by age 20. :eek: I'm now 25, I currently owe £10600 in the form of a personal loan and 3 credit cards. Last month I used a bonus at work to pay off and remove an overdraft so my spending money account is now in credit every month…

Hi All. I have been reading quite a few posts in this sub forum lately and this has prompted me to start a thread of my own as I might get some advice of my own. Basically, I earn a good wage for where we live (in the North East), My girlfriend earns average, we have a BTL property we rent out and we have 2 kids We…

I owe a telephone company £700 been paying £1 a month for two years now since they did CCJ on me in jan 2018. Now they contacted me saying I can pay them £200 instead and they won’t chase me anymore. I live at a different address then the one they have even if they can get new address they can’t come and take stuff as it’s…

Where to begin? I have been reading for almost 3 years but maybe now is the time to start my own diary to give me some sort of focus on my future.