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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…
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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…
