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So it begins... Change of lifestyle needed
Hi again! I originally started a thread in 2017, which got lost 6 months down the line but having made great progress! With lots of changes to life over that 2 years i'm now on my mission again! Sadly my debt has gone up but only in last six months due to: - Paying £2000 off of a joint account overdraft (my ex ran this up…
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Searching for the light in this long tunnel of debt
Good morning all As I write this I am just under £40k in debt. I am 26 years old and feel like my life is such a mess. I bought a house with my OH in January 2018 and things have spiralled out of control since then. My outstanding is below as of this morning. Unsecured loan: £3400 - £156 minimum (118 Money) Unsecured loan:…
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Pay back and accountability while still staying in contact with dear family abroad.
So I have been reading and writing a lot on these forums since April, and I sort of started a diary but in the wrong place. So any ways here I am, past 50 well in debt, in rented house trying to get a drivers license and citizenship before Brexit, with a part time job, usually topped up to full time with extra hours,…
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The road to recovery
Today is the first day in my long road to recovery. I have finally come clean to my parents about my debts and I am glad that everything is out in the open. I’ve been given a second chance and I am eternally great full for that and I will never be able to thank my parents enough for that. I have decided that the road to…
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Telling family about your debts
Hi I’m 21 and I have managed to get myself in £8000 worth of debt from pay day loans. I have got to a point now where my entire wages are going to paying my debt back every month. I have got to a point where I am so depressed and anxious about the debt where I tried to take my life 4 weeks ago. Luckily now I realise I…
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Day 1 - Taking the First Step
Hello! I'm NEW here and I am reaching out hopefully there's some support out there. I used to be really good with money, I handled all the household finances gave my boyfriend (now husband) a kick up the backside got him out of debt and managed to save a good amount for a house deposit. This was when I worked full time and…
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Putting a stop to this now
We have debt it £4472.02 on a 0% credit card and while this may not seem a lot to some - it’s really concerning me now and I want to nip this in the bud before we end up in a worse situation. We have this terrible habit of running up a card to £3-4K, moving it to a 0% card, paying it down a bit then running it back up ...…
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My own Problems financially due to gambling and mental health
Hello all this is my first time on this forum so I’m hoping this could be my saving grace ☺️ BACKGROUND Currently 24 years of age who has had big issues with gambling and mental health issues in the past which equated in me getting into my overdraft every month, numerous credit cards all equating too £5000 in total, and my…
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I feel so alone.
So I’m nearly £13,000 in debt from living a life I can’t really afford. My partner has found out about it and isn’t really speaking to me (I probably deserve it). I feel like I haven’t got anyone I can talk to and I feel so alone. I’ve started selling some stuff on eBay and taken on a 2nd job which should give me an extra…
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Started debt free Journey
Hello! Today, I have started my journey to becoming debt free! I’m planning to clear my credit card over 2 years. I’ve managed to move all debts into just the one card that is interest free until November 2021. So I’ve got £4160 to clear, I know it’s not the highest debt but I’m going back to work part time plus paying…
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Building Credit Scores without a Debt
Hi! I'm a newbie here. I would just like to share the good news with everyone! If you are into building your credit score, you can now do it without getting any debts because you can now build your credit score through consistently reporting your rent payments.
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HELLO From New Zealand
Hi all Haven't got long on the old computer (in a camp site that has timed access). But I thought I would let you know that the Chevalier have made it to New Zealand. Some interesting parts to it though. We new about the liquids in see through bags stuff, for hand baggage, but they were quibbling that DS1's allergy…
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OK I'm going to do this!
Ok so....I am going to do this, I have been sat reading all of your lovely diaries and it has inspired and spurred me on to do my own, I feel I will be more accountable for my actions if I start putting it into print for ALL to see:eek:..... I NEED to get debt free and start saving and achieve my end goal which is a…
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Is Change possible? (When you're in a hole, STOP DIGGING!)
Hi, I'm struggling to even write this to be honest. Putting it all down in black and white makes it feel so real. The very short version of our sorry tale is that I'm 40 in just over 2 years and over the past few weeks I've been feeling more and more uneasy about the financial situation myself and my partner are in. We…
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End in sight - all being well!!!
Hi folks, I’m new here and I’ve been reading all of your awesome money saving adventures so I think posting my own diary will help me get out of the mess we’re in and avoid ever being in this situation ever again! We’re currently in around £64k of debt. It’s a mixture of CCs and loans caused by not having control over our…
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I want to break free....
I have finally decided to self manage my DMP as I'm hacked off with the DMC; they are the reason I have a CCJ. My debts are from around 2013/4, smost of the defaults were prior to this, when life completely spiralled and my marriage went belly up. I have several defaults and the CCJ. My history is starting to clean up as…
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Why I spend
I want to track my journey from hopelessly in debt (24K) to debt free with a diary on here - but what's struck me, after living most fo my adult life with some kind of credit card/overdraft debt, is how come I keep getting into financial trouble. What prompts me to spend when I know, intellectually, that I do not have the…
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Double Default Removal
Original Post Below Hi Guys Looking for some advice regarding defaults. Long story short I was in a DMP for years which I paid for. Managed to come out of it this year after getting some money with the intention of offering my creditors a partial settlement. A few of them have accepted my offers and a few haven't so I've…
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working on my debt £1 at a time
I am from London UK and I have quite a bit of debt some of which I have entered into arrangements with and some not. I have a income expenditure and budget but it is quite lose as I am self employed so things change. I have to update my debt balances and list those I pay interest on and those i don't. A rough list of my…
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Wols Riverbank Tales 5: Recapitulation
Greetings everyone :j:j Deep breath! Sorry it's taken me so long to come back to DFW. :o . I've dabbled in the last few months but haven't felt able to "commit" to another diary until now.:) For those that want the history it can be found here in 4 parts: https://forums.moneysavingexpert.com/discussion/2653229…
