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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…
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Getting back to zero!
Background: Female | 36 | student | renting | in debt | no savings Debts: (student) Barclays OD (student account): 498 Nationwide OD: 250 (DMP) Natwest OD: 1221 Natwest Loan: 4651 JD Williams: 1747 Very: 772 (Credit Cards) Lloyds: 474/500 Marbles: 500/700 Aqua: 177/200 Capital One: 187/200 Capital One: 187/200 Barclaycard:…
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Mission to reach "zero" before 2020
Hi all, I currently have £2,400 of credit card debit that has snuck up on me. :eek: Luckily it's interest free until September 2020, but the thought of having this debt leaves me feeling anxious. Therefore I'm on a mission to clear it by the end of the year. This will be a two-pronged approach: 1) Regular monthly payments…
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Mrs P's Diary - The Final Push
Its been quite a few months since I have posted anything on my diary - so I thought I would start a shiny new one. A bit about myself - I am the wrong side of 50, married with one son who is in his second year at university. DH and I both work. I am aiming to be almost debt free by December 2017. I want to count my…
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Lets See How This Goes
Hello and welcome to my diary :hello: I have been hanging out and reading other diaries and feel like it is time for me to start my own. My debts are not substantial compared to others but they are a big deal to me. I have been working to pay them off for 6 months now and been doing well. I am also pregnant with my 1st…
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Help with full and final payment pleeeaase
Hi guys, I'm after some help and guidence with a full and final payment offer. The debt is from a Halifax credit card back in 2005 (I think) of £1900. Since then it has gone from collection agency to collection agency and in between I got some debt management and started to pay £1 a month. Through one thing or another this…
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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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Pre-30 Shaping Up
Literally pre-30, I turn 29 in a few days. Late to the party but have decided that this is the month to make a proper start shaping up, financially and physically haha. Better late than never I guess. Brief timeline:* Sep 17': Moved to UK (Southwest area) for 1-year full time MSc with £3,000 partial scholarship deducted…
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redlaces vs £15,343.28
So, here I am. I’ve been a lurker on here for many years, but never much of a poster, as I convinced myself that I had my debt under control. Having been in debt constantly since moving away to uni over a decade ago (student overdrafts, grrrr), I came within a couple of hundred pounds of paying it off a few years ago, but…
