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A family of five
Hi! I am Lynneee and I have been a member on here for a long time. This site has helped me in so many ways over the last 6 or 7 years but after 8 years of being a stay at home mummy to 3 children it is now time to sort our finances out and get back to financial security. A little bit about us - my husband and I are parents…
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Determined to do this!
So, after reading many diaries I've decided to start one of my own. Slightly different as I don't intend to start until the new year, mainly due to Christmas and my child's birthday being so close upon us. But you all seem like such nice people and I'm hoping you will tell me if I'm moving in the right direction. Have…
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what to pay off first
I have a little money to reduce my debts, but what do I pay off first. I have a loan balance £2307 @ 19% & £193 pr mnth a credit card balance of £3950 @ 19% 0% has just finished & credit card balance of £4990 @ 24% 0% has just finished I have £5200 spare, do I pay off the bigger card, the smaller card & half the loan…
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I have come here to chew bubblegum and clear debt - and I'm all outta bubblegum AKA the £83,000 saga
Back in April of this year, I finally faced up to my debt. There's a longer tale to tell here (which I can go into on another post if people are interested), but for now, here's the facts. Over the past 10-12 years, I have built up a fair amount of debt. Actually, a hell of a lot of debt. Once I had finished counting, this…
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Making the Best of it.
So. It's been a while, folks. Drifting in a swirling fog, no - floating. Subsumed by essential routine, with just now and then sufficient energy to attempt an "extra" task - be it physical or a mental challenge. But. The thing is; I need you lot. Made a couple of utter bloopers -jaw-dropping MSE mistakes [maybe more than…
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Operation debt neutral
Hello! I’ve been a member of these boards for a while now, and this is actually my second diary. When I first started posting I was stressed about the amount of credit card debt I was in and the overdraft of doom I couldn’t seem to get out of and just felt like I wasn’t in the best place financially. Fast forward a few…
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The most boring diary in the world...
... but I need to write it. I have a problem. I have a few problems actually. You know you have those dreams when you're younger of how when you're older you'll be in a brilliant job and you'll be happily married, and rich and own two homes? Well I'm 42, in a very stressful job that I love, divorced with 2 kids, just about…
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Twenty Twenty-Two
Hello DFW's, I am writing this today with a hope that sharing it will release some of the shame I am holding. My total debt today is £10,635.99, excluding a car loan. Slowly I have repaid £3,250 this year, but I am still very relaxed with overpaying. I want to be made accountable for my financial decisions. Some diaries I…
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£15,000 to 0
Hi :hello: I have decided to re-join this forum so that I can stay motivated to bust my debt. A bit about me...I work full-time in London which gets me about £1.4k per month. I owe £15,000 exactly on 0% interest. This is £13,500 to bank of ma and pa (started at £15,500 in October), which paid for my postgrad, and £2k of…
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Old Hag Seeks Less Stress
Hi All :T Long time lurker, made an actual account here a few weeks ago, and after a few weeks of crazy spreadsheets I've decided to start a journal. Figured it would be fun to keep track, and hold myself accountable! I've been envious of some of the long running journals I follow on here and want to give it a try. My Mum…
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81 weeks to debt freedom
For a while I've struggled a lot with my mental health, I have gotten help for this and I now feel in a position where I can start to make my life a lot better. There are many areas of my life I have neglected and I want to get myself back on track. I have made a new diary as a fresh start. The highest our debt has been is…
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Council Tax and Energy Debts
Excuse me if I'm in the wrong place, but this is my first post. I'm currently entering into a DMP, but it doesn't cover my council tax and energy debts which are becoming very stressful. I am a married mum of two, I work 30 hours a week and our income is very low. We rely on benefit top ups. My husband cannot work due to…
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Shoppergals keep on track diary.
Deleted as shared more than comfortable with
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Actually, I can
This was the year I was supposed to get debt free. Unfortunately my wages got cut and I did pretty much the opposite instead. I did some classic hiding under the duvet and stumbled along with the help of my credit card but I'm now back on £814 a month, thank goodness. The relief is intense. I was mostly just being glad and…
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I really need help
Hello, This is my first post so please forgive me if I have posted on the wrong forum. Basically, and to cut a long story short, I have had enough. I am a single parent and have no family/ friends etc. I went to university and have a good job but although I have a decent salary, I am left with nothing each month due to…
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Finally Facing Up to our Debt
Hi everyone, I have been lurking on these forums on and off for several years but have finally decided to take the plunge and join. I have never been that great with money - I am definitely a spender over a saver but the last couple of years have seen a number of changes in circumstances which have resulted in myself and…
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DoOrDie - Accepting Debt and aiming for a brighter future diary
Hi Everyone, this is me accepting my debt and putting my story out there for anyone else to ask questions and also anyone who may give future advice as i travel this path. My story is almost typical. I had my first child at 22. I already had 5k debt to start with. my partner (who was at the time 31 with £1k debt), couldnt…
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Spend less now, work less later...
Hello! I’m starting this diary with two loans to clear (as well as a mammoth mortgage- but I’ll worry about that later!). I’m not a massive spender but I’m not hugely careful either and I could clear my debts much quicker than I will at the moment if I put my mind to it and stopped deciding that my money would be better…
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Sort of debt-free but hope to be a super-scrimper in 2019
Hello everyone. Wishing a happy, healthy and successful New Year to anyone who is reading this:beer:. I've often thought I might start a diary of my own but felt my life is so mundane that I'd be all on my own on it and talking to myself:o. Several people have advised me to start one, I hope not just because I've cluttered…
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Coffee, Cake, Yarn - Chapter 2
Hello and welcome along to Chapter two, my next step :) Previous diary - https://forums.moneysavingexpert.com/discussion/5763270/coffee-cake-yarn-new-start#topofpage I’ve been in debt before when I was married, many years ago. We worked hard and cleared it. We divorced and I got really sick, and ended up back here, with…
