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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…
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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…
