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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…
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Debts taking over - Trying to save
Hi. I posted this in the loans section, but have been advised to post it here too I will copy and paste my posts, but ill leave a link to my original thread aswell Thank youHi, as the title suggests myself and my wife are in trouble with debt and I cannot get a loan to cover it, even though I have a good credit rating. Im…
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advice and perspective please
Hi everyone I am new to this forum but having been lurking and following for sometime and found it extremely helpful and insightful. Apologies if I am posting this in the correct thread. I have posted this elsewhere but am looking for as much advice as possible. Basically I am 30years old and really feel behind the curve…
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Need perspective, help and advice
Hi everyone I am new to this forum but having been lurking and following for sometime and found it extremely helpful and insightful. Apologies if I am posting this in the correct thread. Basically I am 30years old and really feel behind the curve in terms of debt/saving and investment. However this also feels like a…
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Time to sort it out!
Hi, I'm new here (sort of!) and starting this diary to try and keep myself accountable and remind myself of progress made on tough days...and I know there will be tough days! I was originally here way back in 2009. In the 10 years since, we have managed to wipe out the progress we made and (rather spectacularly!) double…
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Long battle to be free of debt
Stepping into the light after years of unemployment and personal issues I will not bore you with I am beginning to understand the scope and scale of my financial position. In many ways not knowing was a blessing, I could make guesses and assumptions but not stress too much as I was not sure. I have been in the same job for…
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House sale equity for debt use query. Help needed
I had a bad gambling problem a few years ago and have since been paying my creditors regularly through step change. I am currently in the process of negotiating with my creditors a share of the capital from my recently sold house. I seem to remember seeing somewhere about being able to keep a percentage for reasonable…
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The simple life
I have debated a lot about starting a diary. I love reading others and have got so much inspiration and tips at times and it really keeps me motivated with my own debt busting! So I thought I'd jump in with my thoughts, debt payments and daily life journey! The debt I have is manageable for now but I want to pay as much as…
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Ikea IT isssue charged twice
Hi All, Was in Ikea Glasgow 3/8. My sister was purchasing wardrobes and as she was paying for the items there was an IT issue that aborted her transaction. After an hour at CS desk they confirmed that the order had been cancelled however they could not stop the financial transaction at the store and apologised as it…
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0% running out in 12 months! Will I make it?
So, the 0% term runs out on my credit card next August (11th). It currently stands at £4,500. I would really like this gone so that I can get on with my life. It feels like a massive task at the moment but I'm determined to get there. Plan of action: -follow budget religiously -throw any spare cash at CC -make extra money…
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Overcoming anxiety to become debt free
Hi all :) So here's where my story begins... My starting debt is more than £15k, which is pretty horrifying. I knew it was snowballing out of control, but seeing the figures in black & white really is quite nauseating. It started with one credit card intended to pay for a holiday. M&S gave me £3k, and when that was maxxed…
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Such a mess
OOOHH guys who the heck have I become. Got paid yesterday and ive gambled all the money away. This is not me, what am I doing!! that's it, ive contacted some of the companies I owe money to today to get payment plans set up so that's one thing sorted I suppose. ive deleted all the gambling sites...NO MORE!! It was nice to…
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Single Mum Losing the Debt!
Hello! I have done a diary on here before but couldn't find it :o so thought I would start 2019 (almost) with a fresh one! So a little bit about me.... I am 25 years old and live with my son in a rented house, I become a single mum 2 years ago when my son was 3 weeks old. He still sees his dad a few times a week and does…
