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Debt free diaries

A place for MoneySavers to share their journeys towards debt-free living.

debt free wannabe
Hello! Wanting to keep track of my journey & thought I would start a debt free wannabe diary :) I live with my partner and my son, but due to unforeseen circumstances my partner is now out of work. We will be living off my wage alone for the time being & I guess I've had a huge wake up call as to how much money we do waste…
Roll on 2021
Hello there, I have had a couple of diary's which I tend to let slip but will try and keep this one up will give me something to do in the evenings while OH flicks through the 100 and something channels because he hates adverts and I hate flicking. The reason for my title is in 2021 my dmp or dma not sure what its called…
Women and cats will do as they please! :)
Hi all :) I'm not actually in debt as such but I need this diary to keep me on track with all of my plans and for all the wonderful support people here offer :) I work full time in finance and study CIMA on a side, life can get pretty hectic :) Me and my son terribly want our own home and a kitty (I absolutely loooooove…
Tessiesmummy pre mortgage debt clearout
Hi!! I'm starting the diary in the hope of getting a mortgage sometime in the next 12-18 months! After reading many threads in here I've decided my best option is to clear my debts / old defaults prior to applying for a mortgage. I've done myself a little spreadsheet and am hoping to pay off £50+ weekly to clear it all by…
Starting Again
I’ve been a lurker of these forums for a couple of years, but I’ve finally decided to tackle my debt issues head on and hold myself responsible for the mess I’ve managed to get myself in. As a bit of background, I’m a married mother of three (8, 5 and 5 months) and back in November 2018 I owed upwards of £16,000 across…
Giving head a wobble!!
Need to spend part of tonight looking at my finances. I've seriously and ridiculously starter slacking on the saving front!! I have been far to generous with money of late! As much as I've loved treating friends and family, i need to rein it in before I end up with no savings...and worst of all back in debt!! So…
My finances
What forum is best to use to update everyone of my progress with reducing my debts? I am at £2,400 just now and want to find ways to reduce it quicker.
Escaping the grind...in search of a life less ordinary
Time for a shiny new diary thread. Have tried and failed to jumpstart my old diary thread, each time disappearing into the abyss and realising it's been weeks or months since posting. Plus, a lot of the detail is out of date and some circumstances have changed. Some things haven't changed though... 1) still in debt 2)…
Drowning in debt, I need urgent help
I am 46yrs old today! I have a 10yr old daughter. My husband has been having numerous affairs, and we have now parted. I work approx 11 hours per week, on a Zero Hour contract, which is minimum wage. I am now on Universal Credit, I rent privately, which costs me an extra £130 per month. I have built up debt of £10,000 over…
DMP - Full & Final Payment Help
Hi, Back in 2012 I lost my job and got into a bit of trouble with debt. My debts are as follows: - Link Financial £2,514.12 - Lowell Financial Ltd £237.55 - Paragon Personal Financial Ltd £51.29 - Wescot Credit Services £1,111.42 - Wescot Credit Services £1,676.60 - Wescot Credit Services £3,287.10 TOTAL £8,878.08 These…
Argos for business debt now with courts
Apologies if this is in the wrong place. I'm hoping for a bit of advice. I few years back i opened a business. The equipment i had at home broke pre-launched so i obtained a ''argos for business" account. Unfortunatly a close family member became very ill at the time so i was unable to make the payment on the argos account…
Maternity Money Saving
Hi everyone- I was an MSE member years ago but couldn’t remember my log in details! I’m 39 and have two lovely boys aged 13 and 8 months!I am currently on maternity leave and my SMP is unfortunately due to run out on 3rd February. I’m hoping to stay off another 3 months unpaid. My partner earns a decent wage but we will be…
What the hell have we done
there are major changes coming into our lives in the new year well they did begin at the end of november but they are for real and bigger in the new year we have lived with huge debt in our lives bought a house on 100% mortgage in the '80s then nearly lost it when the mortgage interest rate seemed to go up over night -…
The 100K 5Year Plan
Hi All This is my first post on the Debt Free Wannabe board. I have been lurking for the past week and starting to feel more optimistic with all the success storys I read. Mr and Mrs terman have managed to accumulate 100K of debt over a 7 Year period. Primarily through lending on credit cards whilst paying a mortgage we…
The journey to debt neutrality
Hi all! This year I bought my first house, and after home improvements/an unexpected boiler replacement I now have a 0% CC with £2,919.76 on it. I'm keen to pay this off bit by bit and keep the rest of the cash in a regular saver until the 0% deal comes to an end. So far I've saved £400, so had quite a long way to go. I'm…
The Money Diet
So, I did have a thread but I've not updated it for a long time and things have now changed somewhat! So, I thought it best to start again. Fresh start, and all that jazz! A little about me: Hi :j I'm Laura :beer: So, my last diary was mainly about saving for my wedding. Whilst we saved a good amount in a year, The diary…
In it for the long haul
Our journey started in 1977 when I married my lovely husband. He was the same as me, if we had it we spent it. Somehow thoughts of later life and paying off the creditors were the furthest things from our minds. He had already been married and was contributing toards his lovely lads. I had a good job and he was leaving his…
mummypinksparkles - becoming a thrifty mummy once and for all!
I’ve been following so many DFDs for so long and find them so motivating, so I’ve actually signed up for an account and decided to do one too. My lightbulb moment came very recently, just before Christmas. I live with DF, and 3 gorgeous children, DD who is 10, DS (7) and littlest DS (15months). I’d taken a career break to…
Dear Diary Love from Rebecca
Hi all My name is Rebecca. I am 35 years old ( eeek on Thursday) with a six year old daughter. Hopefully starting a diary will help me keep on track and look back on my spending. Last year I split with my daughter's Dad. He had a good wage but drank and gambled a lot of it. Anyway moving on I have less disposalble income…
My debt plan and payments
Hi all, I got myself into a quite large amount of debt from gambling. I never used to gamble at all until a friend of the family started inviting me out to the local amusements at the seaside. I used to play the 2p machines and win the toys, but over time I have gone from 2p bets to £20 bets on slots, both at the seaside…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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Debt free diaries

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