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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…
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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…
