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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…
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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…
