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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…
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No Rain, No Rainbow
I'm not really sure what to write here, I have been lurking for so long and today I finally decided that enough is enough and I need to start taking some action. Current debt balance as of today is £27, 789.94 :eek: I knew it was high, I just didn't realise it was THAT high :( I also felt like I had been tackling my debts…
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Dreaming of being a budget queen!!!
I have been sitting reading through everyone's diaries and it has left me feeling motivated to get myself organised with a diary even if nobody else reads it. Debts/Savings as at today are as follows: Car Loan: £624/£14,000 Barclay CC: £5151.05 Halifax CC: £3.44 Loan for Professional Studies: £5851.66/ £8660.00 Argos Card:…
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Brother owes debt, will they come for me???
Hi there. I hope this is the right category to post in! Just looking for some advice.. My brother, who lives in the same house as me, my mum and sister, has got about £1800 worthy of debt from a phone bill he stopped paying and for and an overdraft he got (with no intention of paying back). He left his job in April last…
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Savings v overpay Car loan
Hi, I’m new to forum and not sure if anyone can advise My husband and I have worked really hard to overpay our mortgage over last 6 years and are hoping to clear it by June and hence 9 years early. I had to change my car last year due to back surgery and owe 15700 on it loan is 398 per month and the loan is the best rate…
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Debt Free 2019 and a Wedding to Save for!
Evening all, I'm one of those people who read through hundreds of debt free diaries and find them super interesting. Lucky for me I'm not in thousands and thousands of pounds of debt (although I can see how quickly it can happen) however I do have a couple of credit cards I would like (or need) to pay off. I enjoy writing…
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Coming out of the shadows.....
Hello, A bit about me. In 2014 I had my lightbulb moment and added up 18k of debt. It was all mine. I was a successful self-employed business owner yet I felt compelled to impress others with nice clothes, holidays and things for the house as underneath my success I felt no one would like or notice me if I wasn't perfect.…
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Lucifa's (Ac)counting the pennies DFW diary
Hi there. Me again:o:D So why the new diary? Well after 14months of being unemployed (8 months of which had been planned as maternity leave...) I have, today, been offered a job. Pretty good timing as JSA was about to run out mid May and the redundancy pot is pretty much empty.... Talk about cutting it fine!!!:eek::rotfl:…
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No Spend Here I Come
Hi....Again :o This will be my third diary and I really hope that this time I can stick with it and get my debt gone for good as I find it more motivational when I'm on here. I have seen a lot of articles recently about a no spend year and I think I am going to try my own version of it. I have noticed that people who…
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Changing for good!
Hello MSE! Not my first time posting a DFD, but hopefully the last. I did originally have a few grand knocked off of my debt total which I was really proud of, but in trying to keep up with my partner and be able to keep doing stuff with my life I ended up with a few more short term loans and credit cards, and looking at…
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The Debt Diary of a 20-something Spendaholic
I am 26 and I am in debt. I loooove to spend money and I quite like to ignore the consequences…well not anymore! The only way I will be able to achieve my goal of being a home owner by 30 is to get rid of my debt! Step one: acceptance :o For the first time ever I have collated all of my debts and calculated the total…
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Debt Clear 2019
Today I’m sitting feeling a little overwhelmed with debt. We’ve done up our house and had two babies and therefore maternity leaves financially not enabling us to get out of debt. We owe £28,755 which includes two loans for mine and my husbands cars. I’ve had this sad realisation recently that we had got ourselves into…
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January 2015 is the beginning
Hi all Well - having read lots of diaries on here I can see why they help you on the road to becoming debt free, and how they inspire others. So I thought I would start my own diary. A little bit of history - which if I say it fast enough may just slip by you :o We've have had large debts before and consolidated it into a…
