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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…
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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.
