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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…
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New Start - Together
Hi everyone :) Long time listener, first time caller... My partner and I have had a lightbulb moment over the last month, and have been excitedly working on our finances, and ultimately our future. We're completely obsessed with saving money now :rotfl: I have a feeling I'll be among good company here... As an overview, we…
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Journey to the debt-free wilderness
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I've Hit Rock Bottom. Time to Get Out.
Hello, Long time lurker of these forums, but I wanted to start a diary to keep myself accountable for the journey I am taking currently. Im a 28 year old male living in Wilthsire. My Story I wasn't always in debt. Up until the age of about 20 I was fairly frugal, I was earning the minimum wage and didn't have stacks of…
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Curbing my Impulse Spending...
Hi everyone, I have been stalking these forums for the past few days and thought I'd join and do a diary. I find "reporting in" makes me more accountable which in turn helps me to stay disciplined. I have the following debt below which I am eager to pay off and not have the niggling feeling in the back of my mind. Plus as…
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Help me stay on straight and narrow in all forms of life!!
Hi All. I feel i need a diary as I am just hopeless these days at sorting my life out! I am so very lucky and to be honest don't have a lot to complain about. 2 amazing children 8 and 4, an amazing partner who has put up with me for 16 years and counting and amazing supportive parents, a good, well paid job and a beautiful…
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DMP & Mortgage
Hi All, First post :-) A bit of background In 2014 I lost my job and finally had to face up to all my debts, just short of £47,000 including a none secured £25k from my mortgage lender. After seeing my pants, growing up very quickly and fortunately getting a job sorted in a month or so. i entered into a DMP through Step…
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I need some new knickers!
I do actually need some new knickers but money has been that tight that I really have been having to decide between food and undies.Sorry if this is a bit blunt to some of you but I really need a wake up call and stop living day to day. It's not just my finances that need an overhaul but my whole approach to life. I'm…
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Starting Over
Hi, new here and ready to clear my debts! I've gone from being in £12,000 of debt down to £5500 which has taken me 4 years this month. The reasons for it taking so long is 4 months after the debt began I fell pregnant, lost my job and had to move to a smaller home and save to get my new family into a bigger home. We've now…
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Not where I'd like to post my first thread but....
Well as the title says this isn't the first place I'd like to be posting a thread but it seems as good a place as any to start and maybe seeing things written in black and white will give me the proverbial kick up the ..... that is needed. I'll list my full woes in due course but for the time being there are approx 35000…
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Universal Community Trust
Hi, Apologies if this could be placed somewhere better suited though out of all options I could see, this seemed the most relevant. I have generally been debt free except mortgage for most of my life. With children reaching milestone years, things have altered. I now find myself almost completely maxxed out on cards and…
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The end is in sight
I wish I had found this site and forum 5 years ago. I took out two personal loans to invest in something recommended to me by a close family member. Long story short, it went belly up, leaving me with £25k debt. I took advice from another waste of space and eventually took matters into my own hands. I decided not to do an…
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Shrinking is the name of the game
My 2019 plan is to shrink my debt and my waistline! I have been here before, but this time I actually have something to show for the debts. My house was property developed by bodget and scarper (;)) before we bought the house so is needing a lot of work doing to it. We have done well as saved up all needed to pay the…
