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Well what a year !!
Sooooo... It has been one big year for me !! I gave birth to our first baby girl in June and got engaged in October :eek: So the last few months have been a bit tight on maternity leave which has added to our debts and with a little one we are hoping to save to purchase our first home and save for a wedding! So yeah we…
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Knuckle down time
Hi, I've been using these forums for the last 10 years off on and on, I've had debt, I've cleared debt and learned so much from it. However, I went and bought a house and since buying the house I've found myself in debt which mainly started with solicitors fees and robbing peter to pay paul to ensure we had the deposit. I…
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New Year, New Diary, New User
Hi all! I'm de-lurking to put my DFW musings on paper in the hopes that it keeps me on the straight and narrow in 2019... A bit of background - I'm a US expat living in sunny Scotland. I've been here for several years now but, frustratingly, my debts span two continents. I'm quite lucky to be in a great job (which will see…
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Off on our adventure....Jan 2015
Well I thought maybe I should start a diary so as not to fill the other threads with waffle....I thought I had started one the other day, but I just can't find it now, so maybe I didn't actually post it....LOL Anyway, after our LBM just over a week ago, we are now just waiting to send all details to SC and hope to do that…
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My Journey To Early Retirement
Today has been the day I woke up and decided I can not carry on the way I am. I have debt of £22.500 plus my mortgage which is about £60,000. I want to retire by the time in 55, I will be 50 in September. I want to retire debt free and mortgage free. I have been in debt all of my adult life, so it is time to take control…
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privacy
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IVA Terminated! - What Now?
Our son has been running an IVA through Stepchange for several years now but unfortunately recently found himself going through a difficult period, not least having been mugged and then losing his job. This meant he defaulted on several payments. In the meantime we agreed to make an offer to the creditors for a full and…
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Don't call it a dream.... Call it a plan
I'm trying to get my finances in order as I suppose I've been sticking my head in the sand and living for the moment too much. Myself and my now ex partner bought my grandmothers house 3 years ago when she died. She had lived here 65 years and the property needed a lot of refurbishment no central heating, full replaster,…
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Lantern debt showing on credit file
Hey guys, Was wondering if anyone could give me a bit of advice. Basically ive been trying to work on my credit file and noticed 2 debts on there. They are both for a company called Lantern, ones for £70 odd and another £400 odd. So wanting to get these sorted and potentially settled on my credit file I rang them up. The…
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A new bundle creating a new motivation
Hi everyone, Apologies in advance for the long post! So I started a diary 2 years ago now, successfully getting our debt down from around £12k to 8k - unfortunately the husband got a new job in sales and earnings took a big hit, but our spending didn't adjust.. the cards racked back up and we're now shamefully worse than…
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Journey of a determined single mum
Well, this is it. My diary. I have been lurking here for ages reading diaries and feeling so much inspiration from the many positive stories. A bit about me. I became a single mum almost exactly two years ago when my ex left very suddenly and shacked up with ow who he met at work. This was a devastating time for me and my…
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Spender to Saver - I want to be Debt Free before I'm 30!
Hi all, I've been skulking around the site for a few days now and really thought it was time to post as I can see how helpful and supportive everyone is. I've accumulated a few debts over the last 3-4 years which have resulted in me still having around £6500 of debt (2 years ago, this was at £11,000). I have a balloon…
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PCP balloon payment
Hi My cars pcp balloon payment is due in the next few months. I would like to pay it out with a 0% credit card. Which kind of card do I need to choose please? A credit transfer cc or a spending credit card.
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Slowly but surely, rushing gets us nowhere
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Started my long way to being debt free.
Hi, I have been in debt for a while now wiht the usual things, loans, card, ect... and was always just about keeping my head above water with my job getting a steady wage. Recently my Mum passed away and this has now made me go under, due to a lot of additional expenses I was not counting on. So I have asked for help. I am…
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And begin...
Edited: 15/7/11 OK so trying again now. I'm in pretty horrendous debt and absolutely have to sort this out. I completed the forms at CCCS which basically told me that I couldn't actually meet my payments by a pretty long way (which explains why I was running out of money halfway through the month every single month). So,…
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Dave Ramsey - Short diary to debt freedom
I hope this will be a short journal, fingers crossed! :j Myself and my husband have recently started following Dave Ramsey's total money makeover books and oh dear, what an eye opener that was!!! I can't believe what financial lifestyle we have been living up until that day when we discovered his books! And I can't believe…
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I will not spiral down, I will not spiral down
Although, spiral is such a lovely word! Decided to log what I'm doing and generally chat to myself (happens a lot) :) A few aims for the end of the year, 1. To be in a better place with work - hit my sales target (no bonus, just for confidence reasons) - set regular hours - better way to get to work - or leave! 2. Fill out…
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Time to be a grown up!
Hi all, So here we are. LBM has happened and it's time to roll up our sleeves and get stuck in. A little bit about us. Me, DH, DS1, 2 & 3 - all primary age and all very much a handful. After a turbulent couple of years, with escalating living cost in the South East, we upped sticks and moved to Wales for a new life -…
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Setting aside a CCJ help
Afternoon, I’m hoping somebody here could possibly help me, long story short I had a phone contract with Vodafone that was cancelled by mutual consent due to a lack of service on their part, they simply required the handset back and the contract would be terminated. They arranged for collection of the phone via courier,…
