Debt free diaries

Afternoon all, I’ve been lurking on these forums a very long time and due to our future being rather uncertain at the moment I want to make sure we are in the strongest position should it all go belly up. There is myself my wonderful husband our teenage son and daughter. I consider us very lucky we are very happy and…

I'm in a never-ending cycle of bad decisions and "I've earned it" purchases, compounded by a compulsive shopping habit and best friend in a foreign country. My dad was an accountant, which makes this even harder to admit, because he was always so careful to never leave us wanting and I don't think I ever understood how to…

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…

Hi Everyone, I have been reading through these forums for the last couple of weeks and have decided to start my own debt-free diary. My main debt I'm worried about is my credit card which had a balance of £7453.80 and an APR of 20.9%. I have already started making additional payments over the last 2 months, £279 and…

After getting a phone call from my partner telling me he's now -£400 in an unplanned over draft I thought enough is enough!! We have to start doing something about this debt. I myself have also managed to run up credit card bills of around £4,000 as well as using all our savings to be able to buy a car. We have both always…

Hi, I posted on the DFW board last week when I needed advice about the best route to tackle my debt. https://forums.moneysavingexpert.com/discussion/5868549/how-would-you-approach-this-dmp-or-not I am hoping that keeping a diary will keep me on the straight and narrow. I will copy and past my SOA below. Household…

:hello: Hello again, I'm MuffinTops and I'm in the exciting position of being Mortgage and Debt free. This diary forum and many amazing posters seriously helped me get to this position. I am in my 40's, single and living alone, and I do have a decently paid job. So what's the problem??? I have no long term focus. I became…

Hi all So to create a bit more self accountability and to keep on track I am here to put it all out in the open, seek advice and make sure I get this sorted asap. I have had the opportunity to squash this many times over the last 5 years but have always not or had a high expense unexpected payment pop up (moving house…

So, I’ve had “lightbulb moments” before, but today I’ve reached breaking point. The realisation that we could lose everything, including a roof over the children’s heads, has slapped me in the face. From £4844 of debt 18 months ago, we are now at an all time high of £29,303. Yes, we have things to show for it. We’ve bought…

Hi MSE'ers :j Well this is exciting. :) I've been checking out debt free diaries to gain inspiration and I think the best thing would be for me to start my own, for accountability. Soooo....my current debts are as follows: :( SCHBOP - £835.60 - 0% and paid back at £10 a month :( FW - £697.80 - 0% and paid back at £20 a…

Hello. I am at the very beginning of a frightening path and I have never felt so alone. I am hoping that starting a diary will help! My/Our debt currently stands at just over £116,000. £63.5K on credit cards, the rest on loans. Ashamed is an understatement! Is there a list of the biggest idiot on here, I think I could make…

I have a car finance debt of £4170.32 with payments of £148.94 per month and a final payment date of 28/10/2020. I know it's not a huge debt compared to others on here but it bothers me, I didn't want to take out finance but my old car eventually gave up the ghost and I didn't have any savings to buy another. We're…

Hi, I just received an email from BWlegal telling me that I have an outstanding amount due, but they will offer me 80% discount,without prejudice, if i can pay it within the next couple of months, it was from a payday express loan nearly 5 years ago.It does say my credit file would be marked as fully satisfied. Should I…

Hello MSE :wave: So after the realisation I feel like a passenger in my own life, I've decided it's time to get a grip and start putting plans in place and into action. I've got a big birthday coming up in just over 2.5 years so thought it'd be the perfect time frame to work within. So why am I here? Since my uni days…

Hi all, I managed to get debt free last year, with my husband, and I've had my little baby in Feb and been merrily spending away my savings and having a lovely time on maternity. Until last night. When I opened a letter to my husband to find that he has over £3k on a credit card that he has kept hidden from me. He now…

hello...hope i'm putting this on the right board...I've been reading through some of your entries and find myself in a similar position. Please see below my SOA and please offer any advise and share experience if youve been in a similar position. Currently we are just meeting our monthly payments, but once the 0% deals…

Hi all, I am wondering if you can help. I joined a company in sales in 2017 and the salary was not very competitive and as a result the employer offered me a top up on my salary for 4 months until I increased my pipeline... the clause for this top up stated that I would have to pay it all back if I left within 12 months of…

Hi I have previously been a member on here before but have re-joined with a new name tonight as I need a complete fresh start. A little bit about me... I am married but have recently separated from my husband so things are a bit up in the air at the moment with the house situation thankfully there are no kids involved. I…

£32,940.78 This is what living a champagne lifestyle on a lemonade wage brings you. My debt is as follows - Barclaycard - £10,903.09 MBNA - £6,252.80 Virgin - £5616.52 Loan - £4000 Overdraft - £168.37 Car finance - £6000 (approx.) Total - £32,940.78 :eek: I also have my mortgage which is currently £60,998.98, I!!!8217;m…

Here it is. No more excuses, no more hiding. I'm getting rid of this debt. £36,294 THREE SIX TWO NINE FOUR. I could travel for years on that. And that's what really gets me, I always put it off because "oh I couldn't afford it yet". Well apparently I could but I'd rather spend the money on utter nonsense. £36,294 later and…