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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…
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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…
