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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…
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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…
