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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,…
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Back to the grindstone
As you can see from the signature I've been very well supported here to sort my life out, 2019, however, has been a bit of a pig of a year, A close family bereavement meant several expensive trips and then there was the funeral and seemingly endless legal bills to pay and my savings were wiped out. In much happier news our…
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Sorting the debt and the house.
Well hello.:j This is day 1 of the rest of our lives. Today we were told that the house we were in the middle of buying has fallen through and after many months of looking we have decided enough is enough, there is hardly anything on the market that compares to the house we live in now, so we are going to stay here.…
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Dairy 1
My diary! Thought I'd start a diary to try and keep me on the straight and narrow while budgeting my through 2020 and beyond. Need to get a close grip on our budget and hoping a diary will help me do that! X
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I just don't know where to begin with this
Hello everyone. A bit about us - We are a couple, both pushing 40 with a 9 year old son. We both work full time. I work as a teaching assistant/cover supervisor and my husband works in secondary education as a deputy headteacher. We are in so much debt I just don't know where to begin. The most annoying thing is that it is…
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I’ve only just realised what a financial mess I’m in.....
At the time of writing this I am 44 years old. I have been in debt for my entire adult life. I am self employed so I worry about this a great deal. As it stands my consumer debt total is £33,000 (more if you include my car - but I’m not going to at this stage). I am accutely aware that I have no savings and no pension and…
