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Mummyto3boys crawls out of the mire mark 2
So it's been years. So much so my old diary is closed, shut up like a long forgotten relic. The baby I last had is almost 12 😱. I still have debts but great things have happened. Such as I have paid off our mortgage, then moved home and still have no mortgage! I haven't been in my OD for years. I have a job I adore which…
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Must try harder…again!
Well, here I am, back again! I have missed our chats, your worldly wisdom and opinions on biscuits! After losing my old dog in January I took a while to sulk, wallow in sadness and grump quietly…you know how it is 😖 Anyway we quickly cracked on the dog front and I have a 17 week German shepherd sleeping against my leg. We…
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Debt Free Diary Newbie. Post 1
No clue where to start but hoping, like others, that tracking my situation will not only hold me more accountable but help me see some progress in my thinking, spending, saving and what not! Total Debt to date 9th July 2025 Student overdraft from 2015: £1550 now at £330 Credit card from 1999:£5615 now £2068 (0% Interest on…
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Go your own way
Hi team, I'm new to the MSE forums, having joined in March to help me clear up my credit report and improve my financial intelligence post-IVA. Thought I would get a diary going to tell my tale so far and share some insight on how I'm now 'going my own way' with my money having ditched the debt. So, here's my story so…
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Switching stories
Hi all, new to forums so not sure if this is the right place but I'd really appreciate some guidance on how to fix situation. Last month I decided to take control of finances and applied for and received a new credit card with 0% to pay off old HSBC credit card debt. All went well EXCEPT that after the balance had been…
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Taking Action ...
Not sure if this is the best place to post but will go for it. Im struggling at the moment after circumstances left me starting from scratch pretty much a couple of years ago.. I had to re buy everything for a new house having left with almost nothing ( most of it free/ donated/ marketplace) but kitting out the house plus…
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I will have two credit card balances with debt left come February, what should I do?
Hello, I am on a debt free journey and I'm feeling very positive with one of my credit cards set to be paid off by the start of 2026. I will then have one card with approximately £900 (a balance transfer with the 0% period ending in March 2026) and another card with £1242 (with a 0% period that ends in June 2027). I was…
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Moved: Default notice help
This discussion has been moved.
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Debt, Diet and Decluttering - The Lifetime Diary
Does anyone else get the urge to sort every single issue in their life at the same time, get totally overwhelmed then bury their head in the sand or is that just me? I can't just focus on one thing at a time, my brain will not allow it so here I am again tackling the following; * Pay off £7,450.68 - Lloyds CC * Pay off…
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Countdown to Part Time…
I’ve been inspired by your diaries so decided to start my own. Firstly, I am going to say I know I’m in a privileged position of having paid off my mortgage and that although I’m in debt, my financial position is really quite sound. BUT I am bad at living within my means and I allow credit card debt to rack up, then take a…
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My debt free diet
I am writing this while i am work so i have things clear and i know why i need to do this i work in a toxic atmosphere and toxic workplace with a director who is always on my back about the most mundane things. It is getting me down and the only way i can see out of this is to become debt free and then i will have more…
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Fresh Start At Fox Towers.
(shiny new diary and the title makes me feel like I am in an Enid Blyton book) For those of you who are new, and those who are not, quick life re-cap: Household consists of me, Mr Fox, and Mini Fox. Regular visitors are the 4 stepkids, 2 of which are now adults. I work full time and Mr Fox is currently SAHD'ing to Mini…
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In significant debt and figuring it out
I am in circa £74k debt from gambling and I need to come clean to my husband. I have finally reached out to my family who are all there to support me the only one who I haven’t yet spoken to is my husband. We have a house and he doesn’t agree gambling is an addiction so that is one hurdle to get over imminently. Having…
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2025 WILL be the year
Hi all I've started so many diaries over many years, and have managed to get myself out of debt and back in so many times that I am fed up with it now. So, 2025 WILL be the year I crack this - starting now! About me - homeowner (mortgage free, at least I cracked that one!), live with DH and DS. Work full time with an…
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Moved: Any one got a magic wand
This discussion has been moved.
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Paying off No 27 - Back again and £34K in the red!
Hello I am back again... :) It's been awhile since I have been here so for those of you who were around then, I have paid debt down and built back up and I am trying (again) to face the music. To those of you who are new I am a Single mum of 2 who works full time and lives miles beyond her means. :s I should have cared way…
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Spinning a New Story
I’ve been lurking for a little while, reading and learning. After far too long of burying my hand in the sand and telling myself that I’m just not very good with money, I’ve decided that I need a new story. I can learn to do things differently. I don’t have to hide away from my bank balance. I can save for the future (one…
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Deepest Darkest Devon Debt Decisions
Hi All, Well this months debt pay down is going to be a disaster , well instead of the 1000 I try to normally pay it will be 425. It is all my own fault. The weather has been nice, I have been busy with my allotment and my side hustle has come way down the list so the available money has also gone down considerably. I am…
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“Debt is normal. Be weird.”
The last time I ventured onto this forum was nearly 17 months ago. I started a diary in 2019 of the same name (now defunct somewhere and gathering dust) which really helped me focus on reducing our debt, whilst simultaneously being held accountable for even the smallest financial decision - there was nowhere to hide!…
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Claiming back my life
I’m a mid 40s Mum to an amazing 9 year old and need to make some changes! I feel like I’ve been coasting / existing for most my adult life. Over the last few years I’ve become increasingly aware of my mortality, realising that I’ve probably got more of my life behind me than in front of me (morbid I know!) and it’s time to…
