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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…
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9 months to go - finally!
Been a long time lurker on here. Got myself into some money problems in my younger days and have been paying for it since BUT the end is near. In 9 months time I’ll be debt free and I’ll finally be rid of the biggest debt burden - my Amigo loan. Unfortunately due to bad credit I turned to them in my hour of need and then…
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Paying off debts
Hi Everyone I’m new to the Forum, and would like some advise on clearing some debts I have, but I’m unsure the best way to do it? My background is, in 2016 I got into financial trouble due to cost of living, kids and trying to keep up with the Jones!! In the end I accursed credit cards and loans of about £25,000. In…
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Taking control so we can enjoy life
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1700 Partners monthly income after tax....... 1450…
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So here I go....
Hello everyone First time on here, long time in debt, long time worrying about what I'm going to do to pay it back. I got into this mess trying to do the best for my family, yes we can have this that and the other - don't worry - I'm going to win the lottery and pay it all back - how short sighted was I?- and I'm normally…
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Squirrelling away the pennies for debt free life
Hello, Lovely to see you, thanks for stopping by, cuppa tea anyone? Right down to business...the debt currently stands at £6,220 on a 0% CC with approx 20 months to run, so in DFW terms not terrible (certainly not great either), so why am I here? Well because our actual LBM was this time last year, when the debt was around…
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Highs and lows of getting debt free
So here it is yet another debt free journey. I am going to get debt free by 35 and maybe consider buying a house. I am living in a silly part of the country, beautiful but silly (Surrey). Sky high rent and bills, all because I'm following my dream of becoming a qualified veterinary nurse. I barely go out, holidays tend to…
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Time To Try Again
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Getting back in control!
So I had my lightbulb moment this summer after dipping deep into a stupidly high interest credit card. It is time to finally get the debts under control, the spending down and to finally get some savings/rainy day money, not just a trail of credit cards haunting me. On the face of it we should not be in this position, I…
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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…
