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New challenges for OrangeFairy 😝
Hi all, I haven’t been on MSE for a while but it has really helped me in the past. We cleared all out debt to save for a house- we have achieved that goal but now have a bit of debt due to the house move and purchases. It isn’t unmanageable but hoping to concentrate on it over the next few months- it will be harder this…
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I'm debt free!
Hi everyone, it wasn't much of a diary as I cancelled my broadband to keep costs down which meant I couldn't log in. So I now have to let everyone know, a) because I'm pleased with myself and b) because I'm hoping to inspire others, that I am now debt free. :D I was credit card debt free on 30/05/18 (had started with about…
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Clean slate
Hello diary land. I am a thirty-something stay at home single mum. Also, long time reader of this particular part of the forum. I am not in debt at the minute, but feel my money is getting away from me. I think I would benefit from somewhere to log my thoughts and keep myself accountable. This seems like just the place!
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Starting my diary again...
A bit about me... I'm 25, still living at home & have a decent paid job with a bank. I have been a member of MSE for a while now, and did used to be a regular poster but haven't been on for a good year or two (maybe more :o )! I currently have outstanding debts of £8,828.86 which consist of a loan from my Grandparents, a…
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The Final Few Months of Debt
Hello, this is my first post in this forum so please be kind. I just wanted to share a little bit of my story in the hope it might resonate with one or two people in the same position I was. I'm a single 35 year old male who's been in debt for most of my adult life. There was a brief period around seven or eight years ago…
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Repaying my (old) life away!!
After being a long-time lurker I have decided to bite the bullet and start my own thread.:j:j I am a 28yo Mother of 2 boys, I am roughly in about 8K of debt (cc and bank of mum) I earn a decent wage, have spread sheets coming out my ears for monthly expenses (bills etc.,) but its what's left over that seems to vanish. My…
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Getting Debt-Free despite Struggling with MH problems
I have quite a lot of debt: £7000 ''normal' debt' - paying this off at £335 / month £6000 'debt to a family member' (no interest on this one, and can perhaps vary the payments a bit' - paying this off at £50 / month £127000 'mortgage debt' - paying this off at £600 / month - not really significant to me at the moment, my…
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Here we go again
We are virtually debt free but the purse is going to have to be padlocked, I need to build up a decent emergency pot pretty quickly. My OH is 86 and in poor health, should anything happen to him I would have to pay full rent and council tax until my financial situation is sorted out. Funeral plans in place for both of us,…
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People keep on learnin’
Wow, here we go. Hi folks, and welcome to my diary. I am principally keeping this log as a testament of my recovery from a life of serial debt, lies and dishonesty. It may well prove to be educational, entertaining and useful for others if so, so much the better. I should note that a diary is an entirely alien concept to…
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Saving and losing weight diary
I've been lookof for somewhere to log down my weight loss journey, so thought I'd stick to here (hoping that's OK) I weigh the most ive ever weighed. I told myself once I got debt free, I would crack on with losing weight and I've haven't! So deep breathe, I weighed myself today and I weigh 14stone.6.... Yikes!! The most…
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My mum is homeless.. advice needed
I need some advice..... If you have been reading my thread from the beginning, you will be aware that I have had trouble in the past with my mother. She told me the other day that she is homeless (she really is) I haven't let her stay with me this time round so I am filled with guilt that I am doing this but I have reached…
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A Frugal Life for Me!
Hi... a bit about me, I've been struggling with debt for a few years, I always seem to have a lightbulb moment when I'm on holiday, possibly because I have time to take stock of my situation. I'm 40 years old now and can't believe that I have so much debt... over £26k just on credit cards :eek: I am married with a son... I…
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Adventures of the Boy & Me: Part 3..
Hello, Yet another year has passed and now we are into 2019! 2018 was quite a good year for the boy & me, aside from a few wobbles. It was quite an expensive year with everything we had going on but we had lots of adventures and made many memories we can look back on. That is all that matters. What brings me back here? I…
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Here I go again ----
Hello 2 years ago I became debt free :j In the past two years I have managed to rack up £12,309.44 :eek: I do have some excuses but at the end of the day they are just excuses. I am really disappointed with myself for getting myself into a worse position than I have ever been in before. I now realise my major issue is that…
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Fixing my mistakes
I've been scared to post here. I've written this new diary 50 times already and never pressed send. Since my last update on my last diary I have really messed up. I've taken out a £10k loan, spent more on the credit cards and wasted away all my emergency savings. I shouldn't have access to credit when my mental health is…
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CCJ query
Hi there, I'm trying to get a ccj removed from my credit file and need some guidance. I had a ccj against me in 2017 which was paid within one week. However, due to a couple of reasons, I applied for the certificate of satisfaction after the 30 day period to have it removed from my credit file completely. My query is that…
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New Year New Diary :)
Hello fellow MSE'rs. I umm'd and ahh'd about creating a new diary to replace the old one, but so much happened last year between the start of my diary and now that my debt didn't really go down much (bought a car, wrote off a car, bought a new car, christmas, etc) so I thought I would start fresh with this new one, to…
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Time to turn things around
So, having been in debt all of my adult life and heading for late 30's..... it's time to turn things around. I'm hoping that keeping a diary will spur me on. Apart from daughters birthday this weekend I'm aiming not to spend on anything but essentials this month to kickstart the year. I haven't used a credit card since…
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The Beginning of the End
New diary, new beginnings. I wanted to make a fresh diary to coincide with my newly refreshed debt-busting attitude. For years this debt has been hanging over my head and I am sick to death of it now; I refuse to allow it a permanent place in my life any longer. It began in 2013 when I got my first credit card, working…
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I Want To Retire
I feel y'all will need a bit of backstory here... We lost My Auntie yesterday to the Big C. However, this very sad time it has REALLY got me thinking about my financial situation. She never really had a retirement. She got diagnosed a few months before she retired and all her grand plans of going to Australia etc. were put…
