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Time to grow up.
So after stalking, I mean reading most of the diaries on the forum. I thought it was time I took the plunge and stood up and said 'Hi my name is XXX and I have debt.' I could say my debt started when my dad passed away suddenly but personally I think it was a case of 'oh I want that. Let's pop it in the debit card and…
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This is more difficult than I thought.....
Hi, So I’m one of those lurkers who adores this forum and how it’s driven me along for the last 2 years. My story, just under 2 years ago I found out we had unsecured debt that I knew nothing about. Totally my fault for my naivety and not being a supportive spouse. Once I started to find out the extent of the problem…
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Starting over...
Hi all! It's been a while since I've used this website and forum, largely because I've been living abroad for a few years and BOY have I missed it! For the record, there's nothing remotely like MSE in Ireland and if I was much cleverer I would have loved to have started something similar. The reason I'm rejoining the MSE…
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Finally getting my life back!!!
Hello all. I posted my SOA back in June and got plenty of feedback, some useful, some a bit brutal! Anyway, since then so much has changed and whilst a lot of what happened was completely against some of the advice (sorry!!), it has definitely been the best decision for me. After a few years of not being in a great place…
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Start of my journey
Hi all and thanks for reading. Sorry it's quite a long first post! I find it inspiring to read the debt diaries that others put up and I thought I would do one to try and stay on track. I have struggled with debt for most of the last decade. After leaving uni I did some travelling and built up a £1,500.00 overdraft. At the…
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Paid off but need help
Hi Guys, I paid off over £20,000 of debt last year, about half of this was paid off slowly over several years and then I sold a business and used the profit to get out of debt, I offered full and finals and found my debtors were very understanding. This time last year, I was debt free with money saved up. However, somehow,…
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My debt free diary
Hi everyone! I've always been a spender and never paid attention to where my money has gone and as result I've been in debt pretty much the last ten years. As I've always earned enough money to not end up in hardship I've consistently thrown money at the debt accounts but then continued to go out, spend money etc and the…
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Getting there now finally
After 3 years of overtime at work cutting out holidays and new clothes im finaly getting this debt mountain down Oct 2015 Tesco Bank loan£14585 Nationwide loan£ 6800 Santander overdraft £1890 Barclayard £ 3800 Santander credit card £2580 September 2018 Tesco Bank Loan £4867 Nationwide Loan £780 Mbna £ 1570 Barclayard £1100…
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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…
