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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…
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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…
