-
New Journey
I have been hanging around the diaries for around a month , decided to subscribe a get rid of the debt once and for all. I had a dmp which ended 3 years ago but owing to a drop in salary have managed to get myself in around 5 k debt again. Once I have Jan statements for credit card will be able to tell true figures. I have…
-
Real advice needed ASAP
Hi all My wife (ex wife after divorce) has basically left me i a ton of debt in my name with credit cards and catalogs that she took out a few years back and I can’t prove it was her. There is £2,000 left and I want to move out of my parents house where I had to go when she left me. My parents allow me to have the children…
-
Thanks MSE forum. Ten years since LBM
Hello Just wanted to say a massive THANKS to all the wonderful courageous people on the MSE forum, for all the help, support and advice you have given me. Ten years ago my OH and I were facing debts over £100,000 (business and personal). We were in a really black dark place, both suffering from severe depression, but we…
-
A diary about debt, dilemmas and a dog
Hello anyone who might be reading I'm writing this to help with my decision making in relation to a dilemma. Here is my slightly unusual situation... I'm a 44 year old single mum, I've been in debt since the first opportunity to 'spend extra money' presented itself to me when I was 18. At the worst point my debt stood at…
-
Cutting Down Alcohol Thread
Hi Guys, Sadly we lost our thread and I don't personally keep a private record of others AFDs so all data on the old thread is gone. I've decided I'm going to bow out for a while as I'm actually pretty busy here in RL. And my life is about to get really hectic as I'm moving home....Also it will be hard to have challenges…
-
One small step or a giant leap
LBM Feb 18 24k debt Relapse Feb 19 Bolt Of Lightning Mar 19 17.2k debt I had my Light Bulb Moment in Feb 18 and after finding the forum in Apr 18 and religiously following the posts for 9 months had a relapse last month. I was taking small steps and good progress towards being DF but still had some little occasional vices…
-
Fresh start needed
Hi, I've been a member of MSE for years now and although have been motivated to become debt free more times than I care to remember it's never happened. Things have to change and now!. I do have a diary but it's been so long since I've posted I've decided to start a new one fresh start and all. A bit about me, I have 6…
-
The only way is up!
I took control of my situation last summer and done myself a spreadsheet to get started. I was living beyond my means but now feel in control. Firstly I sold my car and put proceeds towards paying bills and in my savings account. I am lucky that I only work 6 miles away and now I mostly cycle to and from work and…
-
Wannabe Debt free ASAP
So I’m 23 in debt and hating it 4 x credit card (£800, £500, £500, £2000) 2 x overdrafts (£2000, £800) I pay back about £50-100 p/m on each card but still dip into my overdraft every month How do I stop this and work towards being debt free My only expenses are the gym £35 p/m and i own my car and put £20 petrol every 2…
-
The big battle
Hi all I won’t bore you all with the reasons as to why I have had depression this is about me being back on my feet and getting back in charge so a little bit about the situation I’ve never had any debt until last year once I was diognosed I was off work and things needed paying so I ended up getting a CC and loan to help…
-
Warrant/Final Notice
[FONT="]My partner has received number of letters which were ignored partly because of her mental issues, partly because she did not recognise the name Arrow Global Limited. I live together with my partner for almost 19 years. At the present my earnings are slightly bellow £20,000 a Year and she is making £3,400 a Year…
-
Back again and hoping to make it stick this time
Well after a few years in the debt wilderness I have decided 2019 I am going to tackle my debts head on. So I'm going to keep this diary so I can see the progress and probably set backs along the way. At the moment my debt free date is August 2026 but I would like to make it earlier than that.
-
All change..... Determined to be solvent, single and successful
Hello! I think this is my third diary - I posted regularly for a long time a year or two ago and then life just got in the way and my focus changed. So much has happened recently that I think a new start and a record of my successes and hiccups will help to keep me on track. So, what's changed...? Well, I'm on the senior…
-
This time next year, we'll be millionaires
After really sitting down and going through my finances last night, I've realised my debt needs to go once and for all. I'm 34 now and I've really been in some form of debt since I was 18. As the years have gone by, I've gotten used to my debt being there and kept on living outside my means. I had a really frugal year…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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.
