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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…
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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…
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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…
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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…
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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…
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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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Capquest - advice needed
I'm new to this site, so I hope I'm posting in the right place! I recently paid off a credit card debt taken by Capquest. I paid by standing order. The end of last year I had to contact them after noticing there was (and is) a payment scheduled 18/10/19. The agent told me he knew nothing about this and that the debt was…
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King of squandering
Good morning, I need some help with my debt I started at £27,500 and have managed to get it down to £7,500, this sounds like a greater feat than it is, I sold every material item I had that was worth anything, watches, computers, tools, gadgets, etc. and paid off a chunk of debt but I am still horrendous with money, well,…
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3 kids and 9k debt... working our way to 0 debt by 2020
Hi, I'm Glitterjunkie, I am 31 and live with my husband and our 3 kids aged 5, 2 and a baby. I've used the MSE forums for years at all stages of my life, from being a student and earning extra cash through mystery shopping, to saving for our first house and being in the lucky position of being able to overpay the mortgage…
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Should I pay my student loan in full with help from parents-in-law? Mortgage abroad difficulties...
Hello all, This is my first post, and I've been motivated to come here to get my thoughts out and have some guidance from strangers with some distance from the situation. Some background: I've been with my Dutch boyfriend for 5 years, who I met in my second year of university in England. My student debt was always…
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Debt free by July 2020
Hello, I’m new here but not really new to debt! I took out a credit card when I was 18. Worst decision ever as I didn’t know how to manage it properly. Then I took out another to transfer the balance but kept spending. Cut a long story short. I thought it was fine as I was making minimum repayments and was were full time.…
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Staying positive!
I’m a long term lingerer on the forum, but determined 2019 is the year I start posting and making a difference. I’m a mum of 3, currently on maternity leave. I have £19, 800 of debt. Slippery slope of debt started when paying credit cards off got delayed, then had a run of bad luck and it mounted. Add to that one of my…
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Live for today, hope for tomorrow
I totally need a new diary, full of positive thoughts and frugal actions. I have £1500 to pay off my credit card and really want to smash this within 6 months, whilst teaching myself that it is possible not to constantly buy things to fill a small hole in my life. I'm incredibly lucky with everything I have in my life and…
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keep your head above water
Fighting daily to survive the London jungle: single parent, full time job, reasonable income [note to self: could do better], mortgage slave, trying to escape the lure of unsecured debt. My total debt today, including mortgage and credit card, is at £216,300. Quite the eyesore. This diary is supposed to help me stay…
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Predicament
In a bit of a predictament. Don't know whether to take out a loan to pay off my credit card and help with some finances or take a balance transfer credit card. If I take a balance transfer c.c can I apply for more than what it will be to pay off my credit card?
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Its time to sort out this mess!
Hi, I have been around these forums for a long time and posted a few bits but I really need to be made accountable for my debts, I know I have lived in the red for a long time now and a few factors have stopped me moving on, I am lucky that I have a good job and have money spare as some of my friends do not. Being a newly…
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Table for One
Hi, I've been lurking these boards for many years now but never plucked up the currage to make my own diary! But today's the day! I'm a single girl, mid-twenties - about to brave it alone! To give a bit of background, I have always been very good with my money and never stepped out of line with my budget.... Until a few…
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Fresh Starts and New Chances...
Fresh Starts and New Chances...
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Using credit card to pay BR
I have recently been accepted for a credit card ( I applied thinking if I could build up my score seeing as loads of debt has come off my credit score silly I know!) I haven't used the card yet I was just going to cut it when I came to my senses but can I use it to pay the rest of my BR fee of I have £340 left to pay?
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A New Start
Hello! I have been away from MSE for quite some time, but have recently got involved again. I had a diary on here many years ago which I read back recently (very nostalgic!), then I got out of debt and drifted away a bit. I no longer have any debt (other than soon-to-be mortgage which is a terrifying 289k), but I'm…
