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£32k in 23 months!
Here I go! I have been in some form of debt my entire adult life. I’m not in dire straights each month, but I am sick of taking payment holidays when I need some more room, managing interest rates and trying to be smart while all I’m actually doing is moving debt around for what feels like forever. I recently started a new…
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A Map for the Financially Lost
Ok. I am lost and indecisive. Ten yrs ago my plan was to be mortgage free by 50. I am 50 and lost. I need a plan. A plan to stick to! I work in a supermarket full time and have 2 teenagers Car broke and mum loaned my £10k. No pressure to pay her back, in fact sometimes she talks like she doesnt, but will not commit to…
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From broke to better ..a journey
Hi everyone. Well today is, as they say, the first day of the rest of my life. The first real day of my journey to get rid of debt. I am alone in this. No partner and no family for support so I am finding myself tearful and scared. I know noone here can hold my hand, but I've seen so much support on other people's diaries…
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Credit Score effects by moving money from a main account to a saving account with the same bank prov
Hello folks, I hope you all good. i would like to ask simple question which I can’t find a answer for it. I’m debt free since 2023 June. I managed to save up a couple of thousand £ on my main account. The same time I opened a new debit card for £500 limit to improve my credit score. Before when I opened debit card £500 my…
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Moriarty Law and JC international
I have received an email from moriarty law acting on behalf of JC international acquisition LLC for a scottish power debt at my previous property from nearly 6 years ago (august 2020) stating that l owe JC international money and they are acting on their behalf and offering me a 40% discount if l pay within 28 days. What…
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Road to Financial Peace
Hello, Happy New Year. I have attempted keeping a diary a few times on here but never kept it up for one reason or another. So here I am again but more determined than ever to shift this debt (I am not getting any younger lol) So I am late 40's married with 2 adult children still at home. DH is the main wage earner and…
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Another debt from 20+ years ago paid off! Harooo
😁 So, after taking out a credit card in my mid 20s, landing myself in an awful relationship where he stopped working, I was earning around £4 an hour, and everything then went on the credit card …. Age just shy of 51, I have just settled the balance of £1958 for £580 with Capquest. Despite my long-term mental health…
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Paying off £37065 unsecured debt by July 2027 while continuing to travel this amazing world
£37065, it’s a challenge, but I’m up for it. The debt is made up of three credit cards, Very, a car loan, and a boob job loan 😆 I’m planning on combining the avalanche and snowball methods. I know it makes sense to overpay the higher interest Very debt first, but I need the quick win of waving goodbye to my smallest credit…
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Approaching 60 Riddled with Debt SWF
Hi Ive been here before but I will start with my new story I am Fay 59 approaching 60 in April, around 38k in debt, paying Peter to pay Paul, Live single but have sponsor a Ukraine. I became single last Feb but he didnt pay his way most of the time so I ended up using cards then consolidating with two loans and spending…
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The hurrier I go; the behinder I get…
Alice in Wonderland is full of the best quotes, isn’t it? We’re all mad here. I knew who I was this morning, but I’ve changed a few times since then. Why, sometimes I’ve believed as many as six impossible things before breakfast! If you don’t know where you’re going, any road will get you there. However, the title of my…
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10,000 steps, 1 step at a time.
As always with the start of these, long time lurker, first
time sharer. This past year I’ve become very serious about my finances and it’s
paying dividends (excuse the pun!). The purpose of this post and blog is to
share my journey from the past year, what impact it has made, and be a record
going forward of what happens…
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2024... Debt no more🤘
Hi all, here I go to ridding myself of debt for the final time. I don't want to work forever and would like some good savings before I reduce my working hours. I'm not getting any younger and suffer with various ailments so instead of borrowing I need to pay off what I owe and save instead. Previous borrowing was always…
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2026 - The year I sort my finances and declutter my life!
So, I am feeling a bit fed up at the moment - no real reason in particular, but somehow over the last year I have amounted a total of £8032.20 in debt. Various things have happened to contribute to this, but I think 2026 is my year to wipe this out. And I only live in a small house which feels a bit overwhelmed with stuff…
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Fall too Pieces
Hi Guys i am starting a new journal i am in the process of closing my former journal/account down. I will post on my former debt free diary so people know who i am soon. I recently went through a separation so things are not great at the moment. Alot of the guys will know me as the survey guru lol I will post again soon
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Recovering Gambling Addict Aim To Be Debt Free
Hi I have struggled with controlling my gambling addiction for the past 13 year and I seem to be in a much better place at the minute. I am happy to say I have been gamble free since 8th June 2019. However this has resulted in various debt problems due to my addiction. I am hoping to be debt free by the end of 2021 when I…
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You can’t pour from an empty cup, the road to self care
As 2024 is almost here I think a new diary is in order. I will be spending New Year’s Eve alone, not for the first time, the difference being this time I don’t have a significant other who would call me, and make sure they were the first to wish me a happy new year. I will not dwell on what has been lost, but focus on what…
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Becoming debt neutral - a long haul!!
I'm starting a diary here as I have decided that I want to start focusing properly on becoming debt neutral. I have been thinking about it for a while now and started the process a couple of months ago but feel that it's the right time to start a diary to help keep me on track as I have a horrible habit of spending…
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My debt free plan for 2026
Myself and hubster have decided that we need to finally clear our debts. 5 years ago we bought a house that needed a lot of work that has swallowed all our spare cash, around 70k to date, it's a very small house and it has been updated rather than a full reno. It was just very old fashioned and the bathroom hideous. We…
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Moved: Trying
This discussion has been moved.
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Breaking through the £37k of debt
Hi everyone, I read a number of diaries here and I figured it's time I should start a diary of my own as a means to help track my progress on getting rid of the debt and possibly help me vent and unload some of the personal and family life struggles and challenges. Our position isn't bad but I'd like to clear the debts to…
