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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…
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Bankrupt & Beyond
So Jan 2019 I applied for bankruptcy. It was A LONG TIME coming & the first couple of days it hit me, no more running. This was it, no more running, NO MORE RUNNING!! :j so far so positive yeah! Cue lots of 'Phoenix rising from the flames' type imagery ok So this is my diary of the bankruptcy process, there'll be why's,…
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Determined to be Debt Free by 40!
Hi all! Finally taken the step this new year to properly look at my finances as I am sick of living paycheck to paycheck, with absolutely no savings to back me up. Also surprised to see how much money I waste on rubbish every month! I'm 30, married and have 2 kids ages 9 and 5. We have a mortgage and lots of unsecured…
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2019: Focus & Flow
I’ve read other people’s diaries and seen the 20k debt which makes my 9k look pathetic but debt is debt and I need to shift it. Between the beginning of 2017 & the end of 2018 I found myself in a spiral of debt brought about due to my health, An operation which left me unable to work for nearly a year ruined my chances of…
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From debt to Dr. Debt-free!
I've been a very long time lurker, and love reading everyone's DF diaries, but I've been thinking for a while about committing to my own diary to motivate me to finally get debt-free! I have been in some sort of debt for as long as I can remember, definitely since I was a student at 19. But, now that I have a mortgage, a…
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Help
Please Help #1053 19th Jan 19, 12:17 PM HI first of all I didn't even know how to post. hope fully im in the right place. where do i start? ok here goes, im in debt to around £17000, which includes mortgage £5500 Car Loans £4200 Personal Loans £1000 Credit Cards £4000 Family loan £2000 it seems like im digging deeper and…
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Stop wasting money and be debt free in 2019!
Hi Everyone, I am a very longtime lurker on these boards since I paid off my first lot of debt over 10 years ago (I also used to lurk on the Motley Fool forums if anyone remembers those). Anyway, I have got myself into a bit of debt due to general overspending over the last few years and not really doing anything to tackle…
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Hoping for a happy Halloween...
Hello :) this is my first post here but I’ve been reading people’s diaries for a while, and have been really inspired and think this is a great way to keep myself accountable. I graduated in 2017 and safe to say I definitely enjoyed my student overdraft a little too much and now have a £2000 overdraft to contend with. It…
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Dusty's Frugal Fortnights
I love MSE,so much wisdom and practical advice for someone seeking to improve not just finances but the quality of life. However it is surely a time eater,and being frugal with my time is certainly a high priority on my agenda! I spend way to much time online these days,and frequenting MSE has added another hour to the…
