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New Start
Hi! I've been pottering round these forums for a bit, and am ready for a completely new start hence the new username. I've also been a tad inspired by some of the diaries in here. I managed to get out of debt last year and *touch wood* have managed to stay out. However this is where I feel comfiest. That said If my diary…
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Statute barred debt claim by Dryden fair fax help
Hi My wife had a debt with m&s in 2010 which is statute barred now Dryden on behalf of arrow want to pursue a claim. They claim to have been assigned it in 2014 but we have had no contact with them. We made a ppi claim to m&s and believe they've contacted arrow who've sent us a letter of claim in accordance with pre action…
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Learning to enjoy life within my means
Hi everyone:j I’ve been reading these boards for a while, but just can’t seem to put anything I’ve learnt into practice! So hoping that having somewhere to write it all down will help keep me on track. I’m in my early twenties and live in a private rented flat with my partner and our toddler. We’re on a pretty low income…
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Counting down to being debt free
Hi all I’ve been a ‘lurker’ on these forums for a long, long time. Over the years I’ve made some very poor financial decisions, spent money that I didn’t have and finished up in serious debt on numerous occasions. I’ve made many mistakes along the way. I have to say however that I have enjoyed life and have lots of very…
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Debt free Munchin!! Now to stay that way.....
Hi all, [STRIKE]After a few bumps along the road I finally became debt free on 29 January 2018 :j. [/STRIKE] [STRIKE]I paid off about £26,000 in my last 3 diaries over the course of 10 years. I started my first diary to clear 1 lot of debt and then once it was gone...I took on more debt :o . So the purpose of this new…
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Debt free (wannabe) Mumma
Hi all, I’ve come to get support while I make the change. After quite a long time kidding myself my husband was bad with money it struck me recently I am equally to blame. If we pay off our debt at the rate we are, we will be settled by March 2024 and will have paid including interest between today and then= £33,544. We…
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Debt free by 43
Hello all I posted to say I had 30 grand of debt and wanted to be debt free by April 2019. Not posted much on my journey, but that's due to a number of life changing events such as my dad passing away, a new hobby, a job role change (with a rise) but this whole time I'm constantly still writing in my spend diary, which is…
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Finchy will finally be debt free!
2018 is going to be my year. The year I pay off my debt, start new adventures and make the most of life. I have been in debt for most of my adult lift due to previous poor choices in men I have managed to pay tons of it off and am now just trying to reduce my credit cards. Due to some unfortunate circumstances I will be…
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Let's not fall at the last hurdle!
Well Hello! I felt a change of scenery and a shiny new page was in order to document the next chapter in the Hinge households route to debt freedom! So many changes have occurred these last 12 months, obviously, the biggest change being hitch hiker joining us early last summer! As a family we have welcomed this change and…
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The Delay Connoisseur
Hi, Starting my diary today - expecting it to be a place to brain dump whilst I try to sort my life out. Over the past year I have been diagnosed with several mental and physical disorders. I've had to stop work, get my head around being disabled, and start rebuilding my life in a way I can manage. Work, even part time, is…
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Feeling stressed
Ugh! I've done so well with saving and having a nice buffer, but anything that could of gone wrong has gone wrong these last couple of weeks. Which has severly eaten up my emergency fund! I'm cross with myself that I booked a holiday (even though I had plenty of EF left over at the time) Anyway, through Everything deciding…
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£46,000 possibly more debt I want it gone..
Hi all, so its gone on too long, ever since i was in my teenage years and i could get debt i've had debt, I've struggled with depression and although I probably can afford debt its growing and I really want to get rid. I can't tell you exactly how much debt i have but in short I have one bank loan currently sitting at…
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Time to finally shift the debts
After quite a few years of paying some of my debts and burying my head in sand with the rest, I have decided to finally tackle all my debts, have got them all set up on payment plans, and interest stopped, am planning to pay them off on snowball plans so once smallest debt is paid will move on to next and increase payment…
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Debt Busting & House Buying
Hi :hello: We've been on our debt free journey since January 2018, but started to take it seriously in August 2018. It hasn't always been plain sailing but in that time we've paid off about £5k. But, more importantly, we haven't accumulated any more debts :T We have set ourselves a debt free date of September 2021 which…
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Need some control
I am starting a new diary as I've not updated the old one in some time and my situation has changed now I am back from maternity leave. The situation is me and my partner have to work full time to cover the mortgage and other essential expenses. Of course this incurs further expenses with nursery fees. Luckily work have…
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please any help out there
]hi I've received a letter from hm courts and tribunals service final notice stating that I have 24hrs to pay a debt of £179 to the court the debt belongs to Lowell portfolio also on the letter it stats that if in the 24hr period I don't make a payment the enforcement officer will reattend with porters and auctioneers to…
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I WILL get there!!
Hello, I've been lurking on this site for almost 2 years now, admiring everyone elses stories but never quite getting the balls to sort myself out. Well, that's all changed. I've been diagnosed with a severe reproductive disease and advised to have children in the next 2 years if I want them or it will no longer be an…
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Rolling the debt away.
So I currently have £18,444 (this has been rounded) in Debts 😱🙈🙈 The first time I added up this whole figure I was horrified. I had my sick and tired moment last year probably September/October. Well my proper so over it moment. I’ve certainly had the stress of meeting all my payments and still manage to struggle through…
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Adventures within my budget
Hi all :hello: I have been on these boards for years and have cleared a large amount of debt from uni, holidays, overspending etc... :j However I am still useless at budgeting :o I am definitely a make more rather than cut back type of gal so even when I am frittering some of the 'more' away I still cleared my debts. I did…
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Help
Help please folks, I've been staving off for years but I can't see any way out of this, I took out a loan for my parents years ago as they were struggling, however they are now unable to pay me back, I'm currently sitting at about £27k in debt with a mortgage of around £74k with maybe £10k in equity, this loan is costing…
