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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…
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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…
