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Time for a Fresh Start!
Hello! So I wrote a massively long post this morning and then it didn’t go through, so initially I thought about giving up before I’d even started. But I’ve wanted to start a diary for a while - reading everyone’s stories quietly has made me feel better, hopeful and not alone, so here’s the condensed version of this…
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It's about time I sort it out...
Hey all :D I've been lurking around on this site for a longgg time. I've just never posted until now! I'm in desperate need of sorting my finances out as our first baby is due beginning of Feb!! Of course we are both over the moon but after the initial excitement the realisation of maternity pay / amount of debts have…
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Debt management plan maybe?
I'm really hoping you can help guys! I'm in the process of folding my Ink Cartridge business after 12 years. In total my business and myself owe £32500. I was looking to release equity from our house as we're very lucky we only owe just under 2k on it now. I work part time as a Caretaker (16 hours a week), Football coach…
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I want it all...and I want it now..
I have always wanted everything now, had zero interest in saving for things and as a result ended up with up lots of credit cards and a couple of loans. I love reading other peoples diaries and find them so inspirational so I thought I would give one a go to see if it helped! I will be 50 in 3 years, I have a lovely…
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Sharon87's Debt Free and Savings Diary
So, having been on these forums for a while I want to start a diary to keep a track, get advice, and keep me motivated in my debt free journey. Bit of background, my debt has been mostly built up on just general overspending, it could have been like £100/month over the years, as well as working contracts, having various…
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Time to stop letting our hard earned money slip through our fingers!
Hi! I have been busily reading through other peoples diaries and had some great support on my first forum contact and have decided to attempt my own diary as my husband and I start our journey to a debt free life. A problem shared and all that! We owe a lot! Nearly £40,000 worth of a lot! £20k on house improvements,which I…
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Is this the way to debt free paradise?
I have thought of starting this diary several times and, like many other things in life, I have always talked myself out of it but here I am today actually going ahead. The reason for starting the diary is threefold really: 1. Beyond the bills, buying food and petrol I genuinely have no idea what I spend my money on. This…
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Dear Diary
Day 1 ....and we're off! so here is my list of income outgoings and debts, I have not included my husband's as for the moment I am concentrating on getting rid of my own debt , so I have filled this in and copied here Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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Time to get debt free
I've decided from this point on I'm going to properly tackle my debt and eliminate it altogther. My current state is as follows 118118 Money card = -£7 balance (Will request this refund and close the account) Aqua Card = £710.40 (41.9% APR) - Will close this card when the balance is cleared due to APR rate Barclaycard =…
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Needing to Stay Dept Free!
Hello all, I have been on MSE for many years now, but don't often post. We are, fortunately debt free, but, as the title suggests need to stay that way. My DH and I moved to Wales almost 7 years ago with our youngest daughter, our eldest daughter, her OH and now their 3 children. Our meager income comes from 2 small…
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Living the Goode life
Hi, welcome to my diary! I am a complete newbie to posting but have loved dabbling with MSE over the years. I am a complete contradiction , in that I love being frugal, (eye roll from family),and getting good deals etc but also love treats and travelling. I am trying, continuously, to find a balance but unsurprisingly,debt…
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Road to Recovery
Been lurking in these diaries for a long time and finally decided to start my own. A little background on me- I am 26 years old, single & diagnosed with bipolar, currently live in supported accommodation & been out of work since January due to having a tough time with my mental health, I am currently on universal credit…
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My daily profit and expense diary
I own various businesses some yield daily profit, right now I also trade the financial markets. I will be posting up my daily profits from trading, what expenses I have on that day whether it be rent or food. I will also update this with my SOA as soon as I complete it. I have small amount of debt which can be paid off…
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Phoenix Collections
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Losing momentum as don't enjoy long term planning
Evening all :) Same as most first time posters on here, I've been a bit of a long term lurker! This time last year I had credit card and overdraft debts of just under £12,000, and a loan of £8,000 (ish). Today I have only credit cards totalling £7,800 and my loan is at £6,000. I've been leaving the loan with only the…
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New diary, last diary
I'm back! The one place I don't want to be saying that. I wish I could find sustainability when it comes to money management. Some people binge eat. I binge spend. I've been listening to Dave Ramsey and his audio book appeals a lot to me. I don't think I've ever changed my relationship with money and that's why I'm back…
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Doing a dwp after accounts default and pass on to debt collectors?
Hello dear people, I've come across these forums after trying to do as much research as possible about my current situation. I feel so desperate. I lost my job in February which was a live in job and havnt been able to secure work up until now, during this time, even though I've been in contact with my creditors my…
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Time to get my head out of the sand before I get buried fully
Long time lurker but finally got around to making a profile and posting. I've always been brought up very anti -debt and had huge anxiety about debt which luckily meant for the majority of my life I never had any...until last year. Due to a series of unforeseen events me and my husband ended up having 2 credit cards…
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3rd Time Lucky. £10k to pay.
I am so annoyed with myself. I've been in debt twice before and paid it off...but after being debt free for over 3 years, I've got myself back into £10k of debt through silly habits. I work full time in retail, and so does my partner. He is 100% supportive, but we are keeping our finances separate until I've paid this card…
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Brighter Fairy light and a five year plan
Well i have came to the conclusion that i really suck at 2 things. 1) keeping up a diary (onto number 3 here, hopefully this one will make it past 6 or 7 posts) and 2) sticking to my budget plans. About a year and a half after starting a diary full of hopes and plans i am now returning with a new diary full of the same…
