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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…
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I have just told my husband how much in debt I am
Hi , I have been married for 13 years. I came into the marriage with no assets but debts as well. I had just graduated from university and I was in debt. Debts has always been a major part of my life that I haven't been able to deal with properly. I got married, had two.kids and for a brief while things were better.…
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Getting a grip on my life...
Hello All! I’ve been a lurker on MSE for about a decade, and after finding myself in debt over the last couple of years, I’ve finally joined up and am starting my Debt Free Diary. At 33 years old, I feel like I need to get a better grip on my life and I hope my diary will help, even if just a little. Since moving into my…
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Munchin's Marvellous Debt Busting Diary
Morning :wave: I've decided to start a new diary as the old one was about trying to stay debt free when I had finally cleared my debt in January this year. Over the course of 3 diaries I have paid off £26,000 (approx) debt but unfortunately I'm back in debt...again :o . I know there probably doesn't seem to be any…
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Haggling a way to debt-free
Gooooood evening all, TheYeti here beginning my documented journey. As this story starts with my 18yo self. I was young, borderline alcoholic partying 6 nights/week. Funding my 'nightlife' with my wage simply wasn't cutting it so began my downward spiral. I opened up a £500 overdraft with RBS. £500 turned into £600...then…
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Debt Goals
Hi, I haven't posted in a very long time - I'm getting older and it feels like an eternity that i've been in debt and i really don't want to carry it on towards my retirement. My dreams for retirement do not include debt. Today is the 1st April and I have been the fool. I don't want to use this diary as a negative…
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Reclaiming from Payday Loans
Hello all, I was wondering if anyone could help or guide me and the mrs on what to do. So basically my other half received an email yesterday directly from one of the payday loan companies. They had dealt with the complaint and they had made the decision to offer her £580. She responded to the email a bit hastily by saying…
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More to life than debt
Hi! This is my first diary and we are just entering an IVA. I was trying to pay off debts but there just wasn’t very much spare in the budget to make overpayments. We got into an awful cycle of pay the monthly payments then have to spend on the cards to live. We have £24k of debt which consist of 2 loans (both…
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20 yr old debt
Hi everyone, please can you assist, I recieved a letter from a debt collection agency for a debt of just over £8000 and way over 20 yes old. As I cannot remember the full loan can I send the letter asking them for details of any signed agreements and paperwork I am petrified.
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Clearing the debt
So here I am with a tough time. Childcare is hella expensive, our incomes can't be increased (I am looking for a second job) and I feel everything is dire. However if I can just tackle one thing, my debt, this will help. I need to put everything else out my head and concentrate on making more money somewhere and paying off…
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Day 1...
This week I have finally faced up to my debts and I'm in for just under 30K! Staggering given I've nothing to show for it, but not surprising given my lifelong spending habits... I have been a typical over-spender and yoyo debtor my entire life. As a child I would burn through pocket money while my sensible siblings would…
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Taking my finances seriously- about time!
Hi everyone, I felt very reluctant to start a diary on here; my life just isn't that interesting!! I have been lurking on the DFW boards for a long time now, picking up lots of hints and tips which has enabled me to set a proper budget for the first time ever I have fairly recently, around 6 weeks or so, started taking my…
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DMP freedom in 15 months!
Afternoon all! I have been in my DMP agreement for over 8 years now and according to projections have another 32 months to go. Well, I've had enough of it now - it has to go! I'm aiming for the end of July 2020 so that when my August birthday hits I can say I'm DMP free! More details to follow as I get time and as I…
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My Money Managing Ways.....
Hello everyone, I am newish to the forum. I joined quite some time ago and have been popping in and out every now and again. But recently I have needed this forum more so than ever before. And the only way I will ever succeed in dealing with my debts is to keep a diary. So here it is….. I think it is best of to start with…
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Coffee in hand and ready to save, save, save!!!
Love a hangover, spend free bank holiday!! OK, so I've said several times how I've let things slip slightly (just not keeping the closest eye on money and where its going!) I desperately wanted to go out yesterday, but the weather wasn't great, which would mean more taxis at more cost and probably me spending a fortune!! I…
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Close but no cigar
Have been lurking round the site for sometime. Reading diaries and wishing Was debt free Have been trying really hard on my own but have hit a wall and need some advice / support / accountability and so I thought I would start my own diary I have 2 loans Tesco £18,000/£11033 @3.5% £216 Nationwide £25,000/£24,540 @7.1% £374…
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Picking myself up and dusting myself down!
Hello Dear Diary, I have resisted starting writing you for a long time as I have been busy racking up the debt and knowing that I had to continue racking it up for a while. Now though it has to stop. A bit of background. I had paid off all my debts and cleared the mortgage, retrained as a health coach. I left my job and…
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BK & Husbandface diary
So, here we go again! We fought hard a few years ago to clear a lot of unsecured debt, and then consolidated the remaining £8000 with a Co-Op loan. We then saved our bums off for a deposit to buy our first home together. We finally achieved our dream of owning our first home in April this year. After years of living in a…
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My lightbulb moment was June 2019
This is my diary and accountability. I will basically just copy and paste the entries from my external blog if that's ok, I have one week of back log and then I'll just update both as I go :D -The who and the why- Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of…
