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Frugal, thrifty, make do, mend! Let this debt come to an end!
Hello all, So by my reckoning, that magic spell in the title should take about 4 years and 4 months to take effect at current debt repayment and spending rates. :rotfl:. However, there is no harm in trying to help things along a little, is there? I am recently divorced and live on my own in a rented house with my 2 cats.…
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Beginning of debt free journey...High income, high debts, expensive pets
Hello I posted a few days ago on the debt free wannabe board about my sorry state of affairs. I have received some good advice already and wake up calls. I thought I'd start a diary to share my journey, keep myself accountable and perhaps help, and seek help from, others in a similar situation to me. I'm in debt to the…
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In a rush.
Morning. I've been here before, but deleted my account as I probably overshared and then panicked that somebody I knew would read it. Me in a nutshell..... 2010- left my children's dad. He was abusive. Walked away with all of the debt. 2016- Had to sell the family home as I could no longer afford to maintain it or pay the…
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I have a plan - so everything is fine
First of many posts….Currently I’m 49k in unsecured debt. I’ve posted SOA and had some support and so I’m going for a DMP. This was back towards the end of June/July so thought I would post what’s happened and where I am. So my SOA compared to today…..isn’t it strange that in my head I was thinking I was paying £1400…
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Small steps clearing debt with paws by my side
I’m writing this before I think about it too much and chicken out. It’s terrifying laying everything out and even more terrifying posting it. I’m just trying to remember that even though my situation feels completely awful, I’m sure other people on here will have been in similar situations and worse. Disclaimer: I am very…
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Mentally exhausting
Hi all, this is my first post but a long term reader of this forum. I have been in debt my whole adult life and now in my early 40s. It all started when I started work at 18 in a high street bank and had access to easily accessible credit which I kept consolidating and taking out more. I was on top of my debts but my OH…
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Facing up and moving forward
Hi everyone, Newbie here who's been lurking reading and getting inspiration from all your threads for quite some time! I thought it's time for me to start my own, for accountability and to face up to uncomfortable financial truths I've been avoiding. I love reading about how others are sorting out their debt and hope that…
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Credit? Never again!
Hi everyone. I wanted to start a diary at the very beginning of our journey. We have debts of £70k. We've been trying to keep going, paying them, juggling credit cards, hoping we can increase our income enough to cover it........ but realise we can no longer bury our heads. I'm autistic and our family life is quite…
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AAAAAARGH
Hello! I thought that I should set up a diary to hopefully hold myself accountable for my finances. So to preface this I am 20 years old - yep… quite young. I’ve just set up a debt management plan with StepChange for my £7k consumer debt, with it costing about £170 for just shy of 4 years. How did I get in this debt? Well,…
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A marathon not a sprint……
I’ve been knocking around this board for a few years now, but never been consistent with posting. I’ve decided to start a new diary to celebrate the small wins and help to keep me accountable. I feel like I’m at a bit of a crossroads in my life and feel motivated for change and improvement in several key areas of my life.…
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Never-ending story
It’s been about 6 years since I last had a diary and a lot has changed during that time apart from still being in debt. So a quick rundown I work in education, I have three children who live with me and three who are adults and live elsewhere, my relationship broke down in 2020, my mom passed away 2 months later, my nan…
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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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Trying to stay out of debt! [35/AuDHD/Cats/Frugal Living]
I'm not in TOO bad a situation but I get the feeling it could really get out of hand. I have two more payments to make to pay off a loan/credit card thing with my Mum. Work is difficult for me to access. I'm autistic and have a lot of difficulty with other people. Trying each day to remind myself that I don't have money…
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Will I ever get it?
Many moons ago I was a DFW and did really well for a while but then life drastically changed but I find myself here again but in very different circumstances. I am in my fifties, happily single with a variety of pets. My debt isn't huge (about £2300) but I am unable to work so finances are limited. I do get frustrated with…
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Debt free and staying that way while I re-evaluate life and keep blood sugar levels down
Well dear debt-free aficionados, after reading and commenting on so many diaries on this board, I am launching myself into the abyss! Although debt-free now, you do all feel like my tribe because over 3-5 years several years ago, I did manage to.pay off £140k. Yup, that's right; no need to clean your specs though please…
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Kezzy's debt journey 2024
I've been a member here for a long time, but for the first time I am going to create my own debt free diary. A little about me:nhs nurse, married mother of 2, and 2 doggie children. I have a bit of a problem with gambling, but hopefully I'm addressing it now I have used gamstop to block myself from uk sites. Lightbulb…
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Silly Goose Indeed...
I am very nervous about posting online, but opening up to my family in the last few days has made me realise talking about it actually helps. I am notorious for bottling up my problems and not talking about them and it doesn't end well so here goes. I think I've made almost every bad mistake you could ever imagine, I also…
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*sigh* this is still taking a while, but moving forward (slowly!)
Hope everyone is enjoying their Christmas so far :) After 4 years writing (sporadically) on my previous diary, I thought it was time for a sparkly new one. A lot of things have changed over the 4 years - I just have 1 job these days, my children are all that bit older, our house renovations are complete and our debt is…
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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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How thrifty can a thrifty forumite called ThriftyMissus be?
I’m starting a diary…I’m good at stating the obvious. In January 2024 my debt was £19,546 to HMRC after massively messing up amid repeated and intensive trauma, I may feel more comfortable sharing at some point. I also owed £4,000 to Amex. As of today, my total debt is at around £5,600. For the last little over 12 months,…
