Debt free diaries

Hiya, I’m PeakMum! I’m 36 years old, married with 2 children (3 and 7) and have realised that some bad decisions over the last few years have left us with some debts to pay. Across 2 credit cards we have approx £8k debt. £6k of that is 0% until the end of 2019. I’ll get some proper figures and get a signature done over the…

I joined the forum last month, and as we head into September I'm a month away from the first payment of my DMP being paid to StepChange. The diaries in here have been a great help for me, along with the main DFW board, so I decided to create my own as I'm going to be here a while! The basics: Just over £35k debt Just over…

right, I think its time to admit it. I'm in debt, this is not through all my fault. My partner used my credit rating to take debt out and didn't pay it back. I am going to start off by saying that this is the start of my journey to be debt free (or at least more debt free than I already am) The amount I am in debt is…

So im becoming the ripe age of 29 on Saturday and ive decided enough is enough. I wanna stop this debt before it grows like I know it so easily can. Ive paid off a 3k credit card before and if I can do that then i can do more! In Summary I have a total of £2970 from the date of this post. This is a combination of;…

After years of being in debt my lightbulb moment hit just under 3 years ago since then I've reduced my debt by more than 1/2 with overpayments on various accounts but still have the following Tesco Bank loan £5135 Nationwide loan £1032 MBNA cc £1620 0% apr Barclayard £1270 0%apr Tesco Cc £620 15.9 apr My main question is…

My goal right now is to get out of this hole I'm in as soon as possible. Goal is eliminate all this debt by the end of 2018. I make good money but my expenses and my management of my resources has went out of control. So I am keeping this log to keep be accountable, hopefully some of you guys will comment and motivate me…

Hello I have been a member for years, but it’s taken until now to start this thread. Rather anxious of any judgements or that I may set things out wrong. Every month we “feel” like we struggle by, yet every month we seem to spend more than we earn. Our 10 year plan starts here and I am hopeful for support, direction and…

Hi I'm starting a diary to keep me us the straight and narrow and for company as we labour on through the day to day shenanigans of our life! We are a 2 adult, 2 children family with pets of various descriptions. Debt has been a constant friend for a number of years, but thanks to me getting a much better paid job things…

After lurking on these boards on and off for the past few years it’s finally time to face my debts head on and try to be debt free by the start of 2020. So when was my LBM? Today. Because today is the first time in 2 years I am up to date with all payments on all debts and bills. And I feel so good and like a weight has…

TL;DR: I've come here to sheepishly and meekly ask for help... please. Me: Lapsed member under a new name, attempting a fresh start. ADHD, own company, married, own house (with DH), pregnant with first child, fiercely independent, hopelessly disorganised, no work/life balance. Extremely worried about the future. Debts:…

Hi to anyone reading. I earned my debt free status about 3 years ago but after a difficult year my debt stands at £7700. It was nearer £10k but I've reduced it quite a bit. My story - I work in a well paid but extremely stressful local authority job. I know I'm much better off than some and I'm grateful for the…

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Well, I've been here before! Not on this forum as such, but in this situation. We never seem to learn, but this time is different. This time we are going to clear our debts once and for all. I have been shoving my head in the sand pretending we barely have any debt, but in reality, we have lots and the debt mountain just…

Wondering what people allocate themselves/their families spending moneywise a month or week?

Hi all, I first posted on the forum at beginning of 2017 and posted a few times since then. I started with 46k debt and now I am at 30k mark. I really want to progress further and need to get my !!! further in gear so I will be checking in on the forum and posting more often. This weekend I have been cooking from what I…

Hello and welcome to my diary….:wave: I’ve finally got around to writing this, despite having my DMP lightbulb moment in July 2016 and contacting Stepchange for help. I’ll probably waffle a lot so sorry if you get bored but I like to talk and quite a lot has happened during my journey….. So, like others on here, this is my…

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…

Hi, I've been a member of MSE for years now and although have been motivated to become debt free more times than I care to remember it's never happened. Things have to change and now!. I do have a diary but it's been so long since I've posted I've decided to start a new one fresh start and all. A bit about me, I have 6…

:wave: Hello! I've decided it's time for a new diary. I've been doing a lot of thinking recently and have come up with a new plan. My debt is all at 0% on my DMP and is just clearing, albeit very slowly at £1 a month. This will increase when little miss gets her free hours at nursery next year. Our mortgage is £118,511 and…

New user name but old forumite (just had my 10 year badge); I feel the need to confess without outing myself! My situation - me and OH, in our 40s, no kids, lots of cats, big fall-y down house with a bit of land in need of total refurbishment, trying to live the simple life but just living the expensive life instead! Both…