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if i make a start . then there has to be an end right ?!
24 years old 3 kids . bipolar. physical disability. second child with additional needs and £15k of debt (£12k + interest if i can get approved for a loan and consolidate) i always thought id leave school go to college , travel. go to uni . get married . buy a house . have kids. raise the babies. then one day retire. but…
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Starting to control my finances
Hi all, Thanks in advance for any help you can give me. Was very enlightening creating my statement of affairs. I’ve made many changes over the past 6 months to gain tighter control over my finances, but after reading this website these past few days and seeing what everyone else has contributed and how they’ve changed…
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Long time lurker, time to tke control
So, I posted here, probably back in 2013 or 14 about debt and what to do. Today I have decided it really is time to take control of the ever spiralling river that is my debt. Well, "our" debt. My partner and I have £77K left on our mortgage with around £45K of equity. We have around £35K of debt. I say around as I am doing…
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My journey to becoming debt free in 2018
Hey guys, so first of all let me start by saying I'm only 22 and don't have a massive amount of debt, £2500 odd but I have SIX defaults against my name from 3 years ago. I was stupid with money and wasn't really aware of the consequences and didn't tell my parents because I was pretty afraid of what they'd say. BUT, I'm…
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Skint dad drowning in debt!
Good morning, So I have been reading many of the inspiring and determined diaries for several months and it has made me face up to my many debts. I have always been !!!!less with money but things started to go down hill fast when my wife started maternity leave in 2017. Unfortunately I carried on spending reckless so would…
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That tiny little glimmer
I've very much been a long time lurker on these forums. Today I decided is the time I 'fess up to where things are at. Looking back I wonder what we have been doing with our money all this time. A little history, approx. three years ago my husband lost his job, due to his boss having a midlife crisis and wanting his best…
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Freedom hopefully this year
I have been struggling with debt for the last 6 years. I just want to free to pay off all my debts and help those closest to me. I am going to be updating how much money I make each day. I will be posting each income stream. My goal is to build multiple income streams. I'm well educated but have been stupid with money…
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Time to mend and make do, beg, borrow and barter.
Hello lovely MSE angels. I've been around for a while and know the small MSE ways lead to big changes in lifestyle. I'm so lucky I found you all when I did way back in the beginning of time! I had started a new 'adventure' diary but this years events have shifted the focus from those for now to a bit more of a 'primal'…
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70k Debt which you pay first.
Hello I am new here and I am looking for some advice. After years of chasing debts and watching them spiral I have taken stock and would like some advice on which direction to go next. For some background I am in a good career with good pension options and relatively good job security. I am accommodated and mortgage free.…
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From £14k to in the clear
Hello Everyone, After seeing we are now at the bottom of our overdraft, coming on here and receiving some superb advice I thought I would start a debt free diary. We got here through a classic mixture of: a) not paying attention b) pretty much zero financial understanding (CAN"T COUNT significant bills as a 'one off' and…
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Debts, Diets and DIY.
Hi everyone. Decided to come back here and start a fresh diary as I haven't posted in my last one for four years. Our house has got to an age where we need to start spending quite a bit of money on it so our debt busting might slow down a bit. Since I last wrote in my old diary there have been a couple of changes in our…
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Young, dumb and drowning in unsecured debt
Nervous to make this thread, but hoping it will keep me on track. Background on my situation. I’m not the kind of person you’d ever expect to be in debt. Unlike others on here, I haven’t had decades to build up my debts or experienced hardships that have left me no choice but to borrow. But, I’m still drowning in debt so…
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What a mess...
Hi everyone. I've just signed up after reading the forum for a couple of days. I was sitting in work this week wondering about the future when I got an email from a debt collection company called ACI who bought my debt from Avant Credit. I usually ignore these but this one started me thinking about my financial situation…
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no more credit cards and gambling!
Quite embarrassed about this, but anyway i suffered with gambling problems in the past and it was linked to depression. I had received help in the past for a similar situation and managed to stop, clear my debt and I saved up around £10,000 and purchased my first home around 5 months ago. I have recently been suffering…
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Time to get pie sorted.....
Hello all, Been lurking on these boards for a while now and have decided to start a diary.....not quite ready to post my SOA.....or my debt figures.... These will come I just need to get my head round some things first....and I needed a place to be accountable to myself if not anyone else.... So plans for today mainly…
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One day at a time
A new thread for a new adventure. Since I last posted a year ago I’ve settled into the new house, visited family and lost some. I had a loved one on life support which is why I disappeared. They’re okay but others aren’t. I’ve got relatives dropping like flies, my relationship broke down and now I’m trying to manage on…
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All about me now
Hi all. I am starting a diary to keep myself focused and on track. Also just to have someone to write down all.my thoughts and hopefully not to many rants. I am newly single after 16 years in a domestic violent relationship. The final straw came when my ex rammed my car and wrote it off thus leaving me in debt again. I am…
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New mindset
I have decided to start a diary to try and keep track of my spending and see where I go wrong, my triggers ect and good by writing it down it will make me think more about my decisions. So a bit about me? I am not in any debt anymore thankfully, but that’s only because I was declared BR in May 2018. However, I never want…
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Sorting out my life before the BIG 50
So I found out this morning that I have been offered the job I interviewed for last week. That should mean that I am :j as I will only have been unemployed for 1 day, however there is a huge difference in the salary (which I knew) so now I need to get myself together and work out what the future looks like. So here's a…
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Debts of over £60k, can’t see a way out
I’ve just finished reviewing my finances and am over £60k in debt (excluding my mortgage). I know how I ended up here, primarily a run of bad luck and bad decisions over the last decade, but cannot see a way out. I have a good wage and can afford to pay monthly charges, approx £1.6k per month!!! However the balance is not…
