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Why Walk When You Can Fly
Time for a new diary, although not at the end of 2018 yet, my plans put in place at the beginning of the year, haven't quite gone as planned....like most things :) Title of my diary comes from a Mary Chapin Carpenter song of the same name and the lyrics are rather apt to the present moment, it symbolises life and at ahem…
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Another fine mess...
Evening everyone. So it’s time for a diary... I’ll apologise now as it won’t be very interesting but I need to record what’s going on in my head so I can keep track and refer back to it. And also be accountable for my spending. I joined MSE many years ago and have had debt for pretty much the whole time, I did almost get…
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Newbie
Hi guys! So as you may have guessed from the title, I am new to this forum. In a nutshell, I have been struggling with money management and debt for a number of years now and thought it would be a good idea to surround myself with likeminded people who also want to escape the debt spiral. I’m in my late twenties, have…
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Getting free of debt
I’m a newbie to posting but Years ago read these forums religiously, and managed to get almost debt free). Que another baby and then a house move, which took everything we had saved and then some to get into a habitable state, and the debts went from around £3k at the point of moving house to almost £20k overnight. They’ve…
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I want a life without failed Direct Debits :-(
Morning and Happy New Year. I logged on yesterday to a message from MSE to congratulate me on being a member for 10 Years!!!. So why the hell do I still have 12k of debt :o During 2016-7 (I think) I posted on my diary on here every day and it really helped me combat the debt. I think I actually managed to halve it!. Since…
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2018 New year, new focus and new mission
With the new year arriving tomorrow I've decided to start a new diary. My old was depressing me, as you could track the debt increasing slowly over time so I'm starting over. Fresh new diary to keep track of my spending and keeping us afloat. My main aim this year is to stop adding to the debt! No more credit card use or…
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Done With Being In Debt!
Hi folks, I'm returning to the MSE forums after a hiatus, which has involved me racking up more debts and sinking into a funk. In 2016 I had my DD, and my world turned upside down. Some for the better and some for the worse. Looking back I'm not sure if I had undiagnosed PND, or whether I just couldn't adjust to such a big…
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Digging my way out
Hello :D I would like to start a diary so it helps me focus and hopefully pay off our bills. We have one credit card to pay off which is a long standing card which needs to go, I over pay monthly but also use it when I have no other alternative. Also our mortgage. We also have an overdraft which is constantly in use. So I…
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Hugglemonster's homemade happiness diary
A new diary for a renewed enthusiasm for clearing the debt, reducing the mortgage and getting my home finished instead of the shambles it's in. I have a few bits of debt left after a nice lump sum from my in-laws cleared the main overdraft these are: * Hally overdraft currently £1012.19 - need to pay this off first due to…
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500 days to debt free-achievable????
Hi, I’ve been looking on these boards for a long time now and have decided that I need to get my finances in order and stop burying my head in the sand as I now am almost 30k in trouble. I am lucky that I have a reasonably well paid job and I give my partner a lump sum on pay day and that covers mortgage, council tax, food…
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Minicruiser's cruise through life
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£20,000 in the hole :o
So, here I am. Nearly 40 and almost £20,000 in debt. After 3 years of trying to get by on my meager self-employed income, I've racked up about £20,000 in credit card debt and an overdraft, spending more than I earned most months. Truth be told, I've been in debt since I was about 19 when I got my first credit card. There…
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Popping prosecco while saving for champagne 🍾
So here it goes my debt free diary! As much as we don’t have a huge debt it’s something that’s bugging me and I’m ready to just get better with money all round and save save save!!!!!! So quick background .. I’m a mum of three under 3, I had my first daughter November 2016 and my twins arrived November 2017 two weeks…
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limited in life choices
Hello, So where do i start, ive been in debt for over 10 years ( 4 kids didnt help) but ive become acustomed to using my credit cards all the time and now its come to the point where im maxed out on how much i can afford to pay, consolidation loans only lead me to use the cards again after i had paid them off and now i…
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Help with CCJ and HCEO
Hi All, Hoping someone may be able to offer some advice..Long Story :( My partner and I took over a pub in 2017. When we moved in the brewery told us there was an issue with the electric meter (previous tenant had tapped in to it and it was going backwards or something). Told us to leave it with them as it was being…
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Sparkling New Day
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Very Stupid Mistake When I Was Under 18
Okay so, going back about a year and a half ago, I was dumb and desperate for a new computer. I signed up for finance through v12 retail finance for a new computer totaling around £1700. I never paid a penny of this back, I couldn't afford too. I was receiving letters up until Feburary just gone, phoned them and told them…
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My New Normal
Hi, a quick bit about me: I'm 33 years old, married, first time mum currently on maternity leave and I seem to spend any spare snippets of free time (of which there aren't many) reading peoples diaries and being motivated and inspired to think about my finances. 6-7 years ago when my family was in some financial difficulty…
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On The Way To Freedom
Today is the day I have to start to make changes to become debt free. Let me explain. I am due back in work on Tuesday after a lovely week off with Mr PU, I feel sick at the thought of going back. :sad: I have a good job which i have done for the last 14 years, its very demanding and there are day where it leaves me…
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Debt Free Mortgage Free But Still Struggling
I have been debt free and Mortgage free for just over a year all paid by an inheritance and therein, I think, lies the problem. I didn't pay it myself and now I am struggling again.:o Background is I have been in debt since I was about twenty and I now, three children and two marriages later, I am in my mid fifties. It all…
