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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…
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Sorting through my rubbish
I have been lurking on this website for a few years now, mainly reading threads and posting occassionally. Started PADding (twice) and stopped (twice!). Avide fan of the OS threads - all hail the Stardrops:D I have managed, mainly through being a shopaholic and a hoarder, to get myself in a real pickle both financially and…
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Admitting there is a problem
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Advice on Parent taking out Personal loan and implications?
Hello all I am in the position where I have had to approach a parent to help me with some debt consolidation. The family member would be looking to take out a loan of £25,000 to pay off my creditors directly, we then have a monthly payment plan agreed between us to repay what they have borrowed over 5 years. The reason I…
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First time Mum's debt journey
So, this is far from my first diary on here, but so much has changed since I last posted I thought I might as well start a new diary alongside this new chapter in my life! I'm due my first child in early October and I'm determined to pay off all my debt and save for a house before this baby will start school so we can be…
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Time to stop running away
Hi I am a newbie joining after years of lurking and after listening to a podcast about running away from your problems (via drinking, facebook, tv, going out) and instead using that time wisely to solve your problems. So I've decided to take small daily actions towards a few worries I have...debt being one of them. I've…
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Third-Life Crisis
Hi everyone, So it would appear I am having a third-life crisis. Although we've been aware of our massive debt for a long time (having been in debt since being offered my first credit card by the bank at 18) it has really hit home this week how much we owe and how long it's going to take to pay off. Throw in the looming…
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Over 30K in unsecured debt SOA
Hi, My SOA is below. I am a recovering gambling addict which is how I got myself into this mess. I am 29 years old. I am fortunate enough to have a great job so am hoping I can dig myself out of this without having to resort to anything too drastic. Statement of Affairs and Personal Balance Sheet Monthly Income Details…
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Battling Debt and Mental Illness — and (hopefully) Winning!
Hi everyone :hello: I've been lurking on the Debt-Free Wannabe forums for ages and thought it was high time I joined in. I'm also hoping that having my own diary will motivate me to keep going — I've been reading some of the other diaries on here and feel inspired. About me: I'm 31, single, unemployed and living with my…
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N245 help
Hi there, Could someone please help me. I am about to file form N245 to reduce monthly payments to CCJ. The debt has been transfer from Employment Tribiunal. In the section income I have declared my salary, Universal Credit and Child benefit. Shall I put my daughter's maintenance there as well? It's very unclear on the…
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Mobile phone debt
Hi not sure I’m in the right place but looking for any advice really, my mum was paying my phone bill and my contract ran out Oct 2017 so she cancelled the direct debit etc. In Jan 2019 she had a letter from Lowell portfolio stating she had a £39 debt for this old mobile phone so I quickly paid it off because she’s upset…
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Unsecured Debt Free by 2021
Hello All. This is the start of my journey to becoming debt free (not including mortgage) by 2021. No more loans, credit cards or catalogue purchases. Smoking stopped, car sorn so no more tax or insurance. internet tv and magazine subscription cancelled. Statement of Affairs and Personal Balance Sheet Monthly Income…
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Lantern text messages but no debt?
Hi, I’m not sure if this is the right place to post. However I need some advice. Since April I’ve been receiving text messages from ‘Lantern’ first asking me to access my Lantern account (I’ve never owned one or even heard of Lantern) or call them using a reference number. I ignored it. I received a second text two days…
