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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…
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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…
