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Employment tribiunal debt
Hello, Could you please help me. It's 01.01.19 and I am scared what to do and very confused. In 2016 I had a part time Nanny who helped with my child. I have employed her and sucked 3 months later. All matter ended up in employment Tribiunal and I have to pay her compansation/ Award of 11k. I am have some amount unpaid on…
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Less Dithering, More Doing
My name is Fruity Dragon and I'm a procrastinator! I'm also sick of being such a ditherer so I've decided to reinstate a diary and get working on myself and my goals rather than watch life just float along. I've been working on changes in my life and it's a coincidence that it's new year as this is not a new year…
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No Spend Here I Come
Hi....Again :o This will be my third diary and I really hope that this time I can stick with it and get my debt gone for good as I find it more motivational when I'm on here. I have seen a lot of articles recently about a no spend year and I think I am going to try my own version of it. I have noticed that people who…
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I never seem to learn.
I started off small to build record back up and somewhere along the way over the last two years lost control again. Never before have I hit double figures but as off today I owe £18,032.00. Now £7k of that is a start up business loan so I am not counting that into my personal debt level, which still leaves me in double…
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Debt Free 2019 and a Wedding to Save for!
Evening all, I'm one of those people who read through hundreds of debt free diaries and find them super interesting. Lucky for me I'm not in thousands and thousands of pounds of debt (although I can see how quickly it can happen) however I do have a couple of credit cards I would like (or need) to pay off. I enjoy writing…
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Love my life
I've used this site off and on but I really need to focus on my finances this year. I'm losing £100 from my wage (monthly) and longterm work is looking distinctly dodgy. Nothings been announced (never is) but its looking suspcious, best case appears to be the office moving somewhere inconvient and expensive to get to.:( So…
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From debt to Dr. Debt-free!
I've been a very long time lurker, and love reading everyone's DF diaries, but I've been thinking for a while about committing to my own diary to motivate me to finally get debt-free! I have been in some sort of debt for as long as I can remember, definitely since I was a student at 19. But, now that I have a mortgage, a…
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Making Time to Stand and Stare
Hi, I made a diary last year which I lost my way with pretty quickly so with the new year fast approaching I am having another go. I am not in debt but feel that I have very little to prevent me from becoming as such if life were to throw up anything such as a job loss or a cut to tax credits etc. It is just me and a young…
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Small debt to some but even smaller income.
I've been wanting to post on here for a long time but was worried about being judged for being on benefits. Since then I've got myself into even deeper debt and I'm now terrified of the future. I have depression and I use spending money as a way to cheer myself up. I find it really hard to leave the house most days, but…
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No Rain, No Rainbow
I'm not really sure what to write here, I have been lurking for so long and today I finally decided that enough is enough and I need to start taking some action. Current debt balance as of today is £27, 789.94 :eek: I knew it was high, I just didn't realise it was THAT high :( I also felt like I had been tackling my debts…
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Just Keep Swimming...
as a little wise blue fish once said just keep swimming, just keep swimming - what do we do we swim. I feel this has been our mantra for a while - and will be so for the future, as we will need to just keep swimming along this debt free path and knowing at the end is a debt free future and the ability to save for our own…
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Saving the £££’s in 2019
Hi all, Hope it’s ok to start this type of thread here! I am a couple of months away from being debt free and my goal for 2019 is to save as much as possible for a house deposit. We currently have £19000 in savings, my hubby has a limited company and has taken 6 months of training get another trade under his belt. In the…
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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…
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Shrinking is the name of the game
My 2019 plan is to shrink my debt and my waistline! I have been here before, but this time I actually have something to show for the debts. My house was property developed by bodget and scarper (;)) before we bought the house so is needing a lot of work doing to it. We have done well as saved up all needed to pay the…
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The blank canvas that is 2019
I could probably win awards for procrastinating, so I do believe it's time to put some action where the words are. A brief outline of me, it pains me to admit to middle age (Eek), have DD1 & 2, DH & kitty katkins. In recent years gone by debt was a millstone around my neck but fortunately I've been more or less debt free…
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A change of Mart...
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New Year, New Diary, New User
Hi all! I'm de-lurking to put my DFW musings on paper in the hopes that it keeps me on the straight and narrow in 2019... A bit of background - I'm a US expat living in sunny Scotland. I've been here for several years now but, frustratingly, my debts span two continents. I'm quite lucky to be in a great job (which will see…
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LBM no 1 million and 1
https://forums.moneysavingexpert.com/discussion/4791124/here-we-go-again-lbm-number-a-million&page=117 old diaries So I'm back once again. Need to knock this debt on the head once and for all. This time I mean it though :rotfl: Hope folks are well. Well my debt is still way too much. I've worked like a dog last couple of…
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I have had my light bulb moment!
Hi all, I am new around here. After feeling like things have come to a head I wanted to join for some moral support. Me and my Husband are really bad with money. We live beyond our means. We are both compulsive spenders and I am an emotional spender. We have been in debt all of my adult life and now at 30, it needs to…
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2019: Focus & Flow
I’ve read other people’s diaries and seen the 20k debt which makes my 9k look pathetic but debt is debt and I need to shift it. Between the beginning of 2017 & the end of 2018 I found myself in a spiral of debt brought about due to my health, An operation which left me unable to work for nearly a year ruined my chances of…
