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The end of procrastination and disorganisation.......
.............and the above are the reasons for virtually all of my problems in the past and present, be it debt, weight, careers and the state of the house.:eek: I have plans, big plans which I don't have time to pop on here right now, but I intend to use this diary to sort me out once and for all. It's going to be…
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Ann finally getting into gear at 47!
Hey everyone, Just wanted to track my debt reduction here and hopefully start saving for a deposit for a flat. I have posted my SOA on the main DFW thread and will keep revisiting it. I am hopeless with money and haven't really thought about it under recently, was a definite ostrich and it was made worse by nearly all my…
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Tired of playing catchup!
Hello, I'm new to the forum, although have been reading for a while. Thought I'd post to see if there are others a similar situation or with similar goals who may have some advice as I'm finding there isn't really anyone I know in RL in this position. In summary, I feel like I am in a very precarious position financially…
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When your world crumbles around you... thats when you open your eyes!
Well hello everybody! i thought i would make myself somewhere to store my thoughts and my debt free journey! Nothing like a major wake up call to make you realise you need to sort yourself out. financially and emtionally. Il try and keep this short. This all started last year... i managed to bag myself a well paid job (to…
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Starting Over
:cool:Hi all, I’ve taken the plunge of facing up to the demons I’ve amassed over these past three years. This is going to be my therapy of some kind, I guess I better had introduce myself and give some explanation. Time to hold myself accountable.. I’m SJ, I’m 27 and I’m starting my life over back at my mums with a 5yr old…
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Living to be debt free in 2019!
Firstly I'd like to wish everyone a Happy New Year! :j:j I have been a follower of various diaries and DFW board for a few months now but have only just signed up today. From a young age, my mum was out of work which meant I was single handedly running the household with rent, utilities, her debts, food etc. I would alway…
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Getting out of this debt sharknado
Over Christmas OH gathered together the paperwork for his various chunks of debt and revealed that his total unsecured debt comes to a horrifying figure of £97,400 (£73,500 on credit cards and a £23,900 loan). We are 6 weeks into an 8.5 year journey, although I'm going to do my best to trim that down where I can. I'm…
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Can’t stop spending!!
Hello:T I’m struggling to keep up with my monthly bills and it’s got me feeling so stressed out and overwhelmed :( I live with my partner and our baby and we should have just enough to get by on, but i just can’t seem to stop myself spending money that we don’t have! We both suffer from poor mental health and are in around…
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Fresh Start
So after the fallout from a divorce and suffering from anxiety and depression I have managed to get myself into £39k worth of debt. I've spoken to Step Change and made a monthly budget and thankfully my daughter and I have enough money to live off each month and a roof over our heads. I've contacted my creditors and…
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From Squanderscouse to Savingscouse... hopefully!
Been a member of the forum for the past 5 years but been more of a lurker than a poster really but finally got round to starting a diary after all that time! The forum and site have been massive helps over the past few years and have helped me go from drowning in debt to being able to save for a deposit towards our first…
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Positive mind - Positive life
Good Morning everyone. What a beautiful day! I had a diary on here before. Stopped posting but kept reading everyone else's diaries for inspiration. I now feel ready to keep track with a diary now. Not just for money worries but health and mindfulness also. Debt was all from a house renovation and it's coming down nicely.…
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10k to Ok!
Well, A year and a half ago I finally saught to take action on debt of around £24,000. Looking at this now it seems like a mammoth amount! :eek: As many people on this forum will understand..much of the time you make a daily purchase and you tell yourself 'i'll put it on the credit card and will pay it off come payday.'…
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Charging order interest
Hi all, New on here, looking for guidance re the interest rate that can be attached to Charging Orders on property. TBI obtained a charging order for a credit card debt in April 2009 (£8,000 and therefore unregulated), at that time our creditors were being handled by Eurodebt, on receiving notice of the court case at…
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Accept credit increase?
I've been using an Aqua credit card to help build my credit score after a couple of years of bad choices using regular credit cards got me into debt, which I'm now steadily paying off. I mostly use the Aqua credit card for emergencies, but after a few unexpectedly large bills I'm now close to my credit limit, though will…
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20k GBP Credit card debts
Hello, I am a European citizen , I lived in the uk for 10 years and was self employed. Due to the way things go in self employment, I racked up 20k in credit card debts in the last Few Years living there. I left in 2016 and I have not returned. I still have some companies calling and leaving messages on my phone like PRA…
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A year to change my life...
I have never been one to forward plan, never been one to think of the relationship between actions and consequences and never really spent much time thinking about what I would do when I got older. 'Older' seemed a long way off & I can remember watching those shiny ads on the telly when I was in my teens back in the 80's…
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Onaroll is on a roll!
Having followed some of your journeys for quite a while now, and after the breakdown of my marriage last year, I’ve decided it’s finally time to write a diary! Due to the breakdown in marriage I was in a bit of a pickle, but have worked hard the last 9 months to clear most of the debt left to me. Yesterday I cleared my…
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Let's get this show on the road
Well, its time for a new diary. Welcome to those who have followed me from my old diary and old name, and also to those of you who have only just joined A quick resume of what's what. OH and I started our DMP journey in March 2015 and it went well until I got made redundant and now only work PT. Also various health…
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Debt free Lightbulb moment.
Well I’ve had my lightbulb moment.....I need to sort our debt out and spending as a family and it starts today. I’ve pretty much spent most of my day on a calculator working everything out. We managed to accrue £19500.00 worth of debt :eek: made up of mainly 0% credit cards. I don’t want to live like this any longer. I…
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You’ve got to start somewhere!
I’ve decided to start this diary today because it’s payday tomorrow and it seems a good time to start a new budget! I’m a single mum to a gorgeous 3 year old, I work 3 days a week (soon to be 4 days) and do extra random shifts in a restaurant. I’ve recently moved in with my parents thus massively reducing my outgoings! It…
