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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 Plus, a lot of the detail is out of date and some circumstances have changed.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)…
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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…
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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…
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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…
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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…
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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 -…
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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…
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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…
