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Need to change!
Hi everyone! I guess this is my introduction! I am 33 years old, I work in a factory which I work 4 days on and I have 4 days off. I’m the sole earner as my partner is retired - there is a big age gap, but we somewhow work! :) I need to change, I need to start prioritising my debt (getting it shifted and not have my head…
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IVA Cancelled... What next?
Hi, I cancelled my IVA a year or so ago now, and then I was informed that the company who I held my IVA with went into liquidation. I’ve seen been managing my own debtors and am in a far better place than I was. I have checked the IVA register of which I am no longer on. Do I still have to wait for the full 6 years for it…
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Tantaraza vs the Frogs!
:hello: Thanks to the encouragement of several members on other diaries, I’m posting a diary of my own since I’m in desperate need of a life overhaul. :o I would like to say a heartfelt thank you to all of you, as typing out this first post and the next was extremely cathartic, so your positive comments were very much…
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The dreaded D word
It's time that i started to tackle the debt that i have run up on a few credit cards and a loan, which now totals about £13,000. I meet at least the mimimum payments and i have never missed a payment or incured any fees or charges and it is broken down as below: Natwest CC (0%): £450.33 Barclaycard CC (0%): £5190.00 Tesco…
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Starting Again... I can be debt free before 50
Hi I have previously been a member on here before but have re-joined with a new name tonight as I need a complete fresh start. A little bit about me... I am married but have recently separated from my husband so things are a bit up in the air at the moment with the house situation thankfully there are no kids involved. I…
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Credit Reports-free?
What's the best site to check your credit report free without them singing you up to anything? Read some awful revues about experian! Thanks in advance.
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LBM had. Changes made. Advice or critique Welcome
Hi all. First off, let me start by saying I have been avid reader of these forums for quite some time, and a big THANKYOU to all the contributors to this board, who, without realising it, have made such a difference to my, and my family's, financial situation. *WARNING* long boring back story ahead :D I'll try and keep…
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Now debt free ... Update ! Hoping this is the right place
I've had a few messages from some lovely folks wondering how I'm getting on since closing my thread after worrying I had given too much away and people IRL might find out about our debt problems. Anyway the update is to say we are nearly debt free but focusing on saving as much as possible whilst still enjoying life and…
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New member , debt to sort
Hello Everyone seems so lovely here and supportive, hope you can help me too. To cut a long story short, we have been living beyond our means too long and its catching up. Debt is: 17k Barclaycard 14k Mbna 13k loan (for an extension we built) 20k loan was taken to clear Barclaycard and others 12 mths ago (ha ha card back…
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Financial Freedom + Self Care
Hello everyone, I want to pay off my debt and move forward with my life. I am a young woman with no children and I am capable of addressing this, I can change things for the better now. I thought I'd seek support and encouragement here as this whole process can be so stressful. And although a lot of people are in debt, it…
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The time is now:
Somehow I stumbled across the DFW forum links quite by accident on 31st Dec ( this has to be one of the best sites I've ever been fortunate enough to find). I am a regular reader of the great Martin Lewis's emails :money:and trust me when I say this, having read loads of posts over the last couple of days, I have never…
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Is it possible to request an account be defaulted?
Hi Not sure if this is the right place for this but.... I had a current account with Nationwide it went £50 over and with in days they added £100 of fees on top. At the time I was in a desperate place financial and just hid from it along with over £55k of other debt. I recently got a credit report and Nationwide have been…
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Clearing the debt for good
So I’ve posted my SOA below to see exactly where we’re at. Thought I’d run through a few points on it. Electricity is high because it’s also our source of heating and we owe money to the electric company Satellite tv includes, tv, landline, broadband Groceries is high because of our son’s special diet, he costs us £180…
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Where do I even start .... beginning of my journey
So let me break it down where I'm at, im struggling to even know how to get out of this hole but here goes. £5000 overdrawn £4300 loan (i pay £300 a month ends oct 2019) £6500 Virgin cc (i pay £150 a month and £95 interest a month) £4500 M+S CC (i pay £130 a month) £3500 lloyds cc (i pay £75 a month) £2000 Barclaycard (i…
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Zero debt by 2021 then FIRE
Hello, I've been following the MSE forum for about 10yrs but have never put any of the lessons into practice. I've been living frivolously and thus have almost nothing to show for my 10yrs of working. I've had a baby, a failed business and jointly bought my first property in the past 12months so need to get myself in gear…
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Round 2 of Trying to Get Debt Free
So this is the first time I've tried a Debt Free Diary, although I've been using MSE for many, many years. My first big fight with debt came as a result of accumulated credit cards & consolidation loans, sparked off while I was at University, but was a shadow my husband & I lived under for most of our 20s. Eventually we…
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BW Legal threatening me over 2.5 year old private parking tickets
In May 2016 I received two parking tickets from Britannia Parking. The receptionist in the building owning the car park told the driver not to pay, as it wasn't a legitimate ticket. Two and a half years later, two letters have suddenly arrived at my mums address for £130 each in order to not be taken to court. I was…
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Debt Free by 40 - let the countdown begin!!!!
Hello MSE :wave: So after the realisation I feel like a passenger in my own life, I've decided it's time to get a grip and start putting plans in place and into action. I've got a big birthday coming up in just over 2.5 years so thought it'd be the perfect time frame to work within. So why am I here? Since my uni days…
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My new journey to being debt free
Hi everyone So as the title suggest this is my new life journey im 32 and in September i will be 33 and i am currently separating from my ex. My aim by 35 is to be half way to debt free or completely debt free but i would like to go on holiday using sunshine this can work out to £10 a week. I am currently on SSP and UC but…
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5 years to finally clear these debts
Hi So, where to start. I am nearly 47 years old, DH is the same age, our sons are 18 and 20. We have always been in debt, never planned or saved, lived on minimum payments and 0% shuffles. DH went self employed 17 years ago and loves what he does but over the past few years it has got harder. There is more competition, he…
