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Organisation will be the key
So a quick introduction, I’m 43 married, work part time and have an adult son still living at home. After getting debt free several years ago, and getting to a point where we have savings has been a massive positive in our lives, it has meant I was able to leave a job I hated and was making me ill. Also in the last few…
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No-Spend-Tember
Hi everyone, I am returning to the world of being a Sensible Adult Human, I had my beautiful baby 19 months ago, and enjoyed a wonderful maternity leave with her. Since coming back to work, I have lost grip on my finances & it's time I got them sorted out once again. So, to kick off & get myself back into a better frame of…
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Preparing for adult life ..
Hello, I am a trainee lawyer approaching the end of my training. As of September I will be fully qualified and a (legitimate) adult :p :o So at the turn of the year it got me thinking about trying to get my debts in order. I have student debts which come out of my wage monthly, but I also had around £2,000 worth of…
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Lucifa goes all in on 2019
Apologies in advance for the essay. I kind of drifted through 2018 and I want to be more focussed and deliberate about how I spend my time, energy and cash. I have started a new journal (actually three!) at home and now I am kicking off a new DFW diary. It is past time for full disclosure. I have been back here a few…
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Dan's desperate dash towards solvency
Hi everyone, After posting on the DFW board, I have decided to start a diary. My earlier posts can be found here - https://forums.moneysavingexpert.com/discussion/5601202 In a nutshell, we 55K in debt with not much to show for it. I have reached a point where something HAS to be done to sort out this awful mess. I do all…
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Coffee, Cake, Yarn - New Start
I've decided to edit this after a mess up of the figures. To cut a long story short I've been here before, paid off a lot, lived happily ever after, split with the ex, fell ill, and got myself in a pickle again. So here I am, new username, new diary, new dreams. Upfront warning, I over post :D I'm a thirty something…
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Becoming debt free and saving for the future.
Recently realised how much of a tool I've been. I'm in £12,000 of debt for no other reason that being impulsive, wasteful and superficial. Starting this week, I've created a budget (I'm sure it'll need to be adjusted over the coming months) and it makes all the difference knowing where my money is going. That's how I know…
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10 month countdown to being debt-free!
Starting a new diary now that being debt-free is tantalisingly close, to keep me focused. I also want to minimise my day-to-day spending so that I can carry on building up my savings. I've been in debt ever since graduating in 2001 – never in real financial difficulty, but enough that is has become really irritating now…
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Ending the never ending debts
Hello everyone I have decided to start this diary as I cannot keep control of my bad spending habits :o It’s the summer holidays and I cannot afford to do anything with the kids, even free things because I can’t afford the fuel to take them to these places. Am going to put my thinking cap on tonight and come up with a plan…
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Overpaying as much as we can
So I started a DFD last year and didn't stick with it. Basically we bought a house in 2017 and it needed more work doing than expecting and we didn't have the savings we needed to do it so took out a loan and finance for windows and then my health got bad for a bit so I couldn't walk to a work so we got a car with some of…
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Debt Compare - has anyone used them?
Spoke to a place called Debt Compare today - has anyone used them? Thanks! Kind Regards, Ken
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Being frugal
Hi everyone’s Just. Wanted to start this diary so I can keep myself motivated to pay off my credit card. My limit is £3,500 which to some people it is low. I am on a 0% deal until September 2021. Yes that’s two years away but I will Explain why I want it brought down. I have £1,800 on the card at the moment. I earn £1,200…
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Can't keep burying my head in the sand!
I never thought I'd find myself in here but the last few years I've been passing about around £10k of debt between 0% cards and making no progress. Fast forward to Christmas and we ended up doing some work to our house turned out to be a bigger job than expected. Then we had lots and lots of car trouble. So I finally added…
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Starting my Debt Free Diary
Now it isn't as much debt as some people have and are trying to bust, but i have been inspired by some of the stories to make my own and keep myself accountable. Unfortunately i like to spend money and very quickly spend money on things i don't need. I have set up several savings account, but can sometimes find myself…
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Finally pulled my head out of the sand!
So, I’ve been a member of this forum for 10 years and finally this week I have plucked up the courage to admit to myself and my poor husband that I have credit card debts of £34k over many years and fallen behind with payments. I cannot actually believe this is something I have done it’s such a bizarre feeling I feel like…
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USA Debt
We sold a home in USA last year, but recently got a solicitors letter from London stating they made an error at closing and we now owe the mortgage company. We don't understand how this happened and don't know where to go or who can help us.
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New Start - Step 1
First-time poster, Very nervous. My monthly outgoing debts payments are currently more than our mortgage and bills combined. Thankfully I managed to recently remortgage to repay my help to buy equity provider so that I now own 100% of my own home. I would like to be debt-free, certainly a long way down the road in two…
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Advice with debt.
Hi, I was giving this website by a friend who said it was better to come here before taking on a DRO/IVA. I have minimal debt as such but substantial repayments. Due to a relationship breakdown I have been left with the household bills as well as debt. I was referred to a debt management adviser via the council but their…
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Keep Loan or CC
Morning all, just starting on my debt free journey and have a quick question which I hope you can answer! Does anyone know what would reflect best on a credit score - £15000 on a credit card with a spending limits of £22000 or a loan of the same amount? Thanks in advance! I hope to become a regular poster on here and am…
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2017 - Spend less, live more
This is a new spending diary for 2017 for me. I have an overdraft of a couple of thousand, which I want to reduce in 2017. Now that both children are at school, we have a bit more money to play with. Life is just so expensive and it feels like we are constantly spending, what with family birthdays, home repairs and…
