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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.…
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Living in the black
Having lived with quite terrifying amounts of debt for many years, we were fortunate to have been able to pay off almost all of it last year following the sale of a property. Remaining is about £5k on a 0% credit card, and £3.5k on another credit card which is paid off in full every month. We also recently bought a house…
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First steps to a debt free future
Hello everyone, I found this forum about two weeks ago and have visited every day since. Not having managed to tackle my credit card debts, let's see if writing a diary will help. These are the current figures: CC1 - £7240.75 23.7% (interest last month was £133.74) Min payment is £205.93 CC2 - £3372.27 15.95% (interest…
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No money
My daughter has decided to live with her father. It was on a trial period but she has been there for six months now and he is asking CSA to get maintenance from me without discussing with me first. I have recently changed jobs to less hours and closer to home and I no longer receive child benefit or his maintenance which…
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From £31k+ to debt free home owner in 5 years?
Hello! I’ve just read my diary from X years ago and found myself wondering why I ever left MSE land and got myself into even more debt! I am now mid 30’s, full time employed with a decent income, no kids, living with my lovely oh (in his mortgaged home) and currently have over £31k debt all in my own name. I’m forever…
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Make or Break 2020
I'm in a lucky position where I have a great job, however, things aren't looking as great as they once were. The owner has been making cut backs over the last year, so I want 2020 to be a year I reduce debt to Nil and Increase savings to £25,000. I'm not a homeowner and am currently living at home. 2020 will make or break…
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Guess who's back? Back again? Monkey's back...hoping not to fail.
So...I fell off. I'm not in anymore debt but I'm not particularly better off, either. Starting uni and some intense counselling sessions really threw me for a little while. These things fed into me slipping but ultimately, this failure is on me. But I'm back on it, now. I have settled with a new schedule which makes…
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Twinklie returns - debt free by 2020?
So I had a diary on here a million years ago. Since then I've had 2 children, moved around a bit and FINALLY we bought our forever home. I'd love to pay down my mortgage to become mortgage free and do have a diary to this effect. We've taken the mortgage out over 19 years rather than 25 in order to force us to OP. However,…
