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Making Time to Stand and Stare
Hi, I made a diary last year which I lost my way with pretty quickly so with the new year fast approaching I am having another go. I am not in debt but feel that I have very little to prevent me from becoming as such if life were to throw up anything such as a job loss or a cut to tax credits etc. It is just me and a young…
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Love my life
I've used this site off and on but I really need to focus on my finances this year. I'm losing £100 from my wage (monthly) and longterm work is looking distinctly dodgy. Nothings been announced (never is) but its looking suspcious, best case appears to be the office moving somewhere inconvient and expensive to get to.:( So…
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I have had my light bulb moment!
Hi all, I am new around here. After feeling like things have come to a head I wanted to join for some moral support. Me and my Husband are really bad with money. We live beyond our means. We are both compulsive spenders and I am an emotional spender. We have been in debt all of my adult life and now at 30, it needs to…
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Eager Elephant's Effective Everyday Excursion ...
………………into Debt Freedom!! Over the last few months I have read people’s diaries and got all motivated so I think the time has come for me to do my own diary. About Me I am 29, married to my DH - 30 and we have 2 children, DS - 13 & DD - 7 today!!! We live in a rented 3 bed house, we have 7 cats, 8 ducks, 1 goose & 20 hens…
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Saving the £££’s in 2019
Hi all, Hope it’s ok to start this type of thread here! I am a couple of months away from being debt free and my goal for 2019 is to save as much as possible for a house deposit. We currently have £19000 in savings, my hubby has a limited company and has taken 6 months of training get another trade under his belt. In the…
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New Year, New Progress
2018 was my year of realisation. It was a huge milestone for me and has taught me so much so quickly. Just doing a quick check in as over the break I managed to keep my spending down to a minimum and I am really proud of the progress I am making. Since April 2018 I have gone from being £54,273 in debt :eek: to now where I…
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Freedom to dream
Hello So this is it, my very own diary. Somewhere I can be absolutely honest with myself. I've made some silly mistakes but have had my light bulb moment so goodbye debt - you're going down!! Unfortunately I'm not sure exactly how much I owe as I have one debt that is being regularly added to at a rate higher than my…
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Less Dithering, More Doing
My name is Fruity Dragon and I'm a procrastinator! I'm also sick of being such a ditherer so I've decided to reinstate a diary and get working on myself and my goals rather than watch life just float along. I've been working on changes in my life and it's a coincidence that it's new year as this is not a new year…
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Extracting head from sand and facing the truth
Hi Not done anything like this before, not even sure what I'm about to write but i'm hoping this will keep me on track now that i am facing our situation once and for all. Joined years ago, started reducing debt, had two kids (now 8 and 10) and need to finally get a grip on finances as they are spiraling again. I'm…
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I never seem to learn.
I started off small to build record back up and somewhere along the way over the last two years lost control again. Never before have I hit double figures but as off today I owe £18,032.00. Now £7k of that is a start up business loan so I am not counting that into my personal debt level, which still leaves me in double…
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Employment tribiunal debt
Hello, Could you please help me. It's 01.01.19 and I am scared what to do and very confused. In 2016 I had a part time Nanny who helped with my child. I have employed her and sucked 3 months later. All matter ended up in employment Tribiunal and I have to pay her compansation/ Award of 11k. I am have some amount unpaid on…
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Change Requires A Leap Of Faith
I decided that it was time for a new diary to go with the New Year, and also the fact that the old diary title isn't appropriate anymore. So hello shiny new diary!! I have been MIA for a while so if you are coming over from my old diary, thank you for helping me through the last two emotional years. If you're new to my…
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Third time around - this time the last!
This is the third time me and PBS (PiggyBankShaker) have started a diary. We got debt free both times before, but here we are again. In some ways right now we're better off than we were the other times, in other ways we are not. Here's our starting point: Statement of Affairs and Personal Balance Sheet Household…
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New year, new job? Or stick to comfortable and 50% happy?
This has been on my mind for a while now, as I've not been enjoying work as much as I used to. (My main job, I have a part time one too) I've been in my job for over 13years now. The job is getting more challenging (with no extra money) for those challenges. I work with children, but education has started to change and the…
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A change of Mart...
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Here we go again. LBM number a million
So this is yet another diary. When am I going to learn? In fairness I am frugal in most things but I am also very skint. For those of you who are meeting me for the first time. I am a single Mum of 2 teenagers. DS is 15 and DD is 19. DD is an apprentice painter and decorator and DS is a computer geek. They are my life and…
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Goodbye debt
Hi there, I'm new here so be nice :) We have £5763 of debt :eek: I am currently changing careers and will earn around £1100 a month in my new job- which is all extra money as my wife's wage covers all the bills and the mortgage. Hopefully I will have this debt cleared in 5 months. (never will i get a personal loan to fund…
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Day 1
Though fairly organised with finances (in that I’m obsessed with my excel spreadsheet and attempts to tackle my mammoth debt), it just doesn’t go down. Current status is (joint debt with hubby) Halifax loan £18000 (from 20k) 12.9% Halifax loan £12300 (from 13k) 13.9% Barclaycard £5k (just negotiated new rate of 9.9% for…
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2019 is the year to do something about it!
I used to be a regular on here at reading and have previously had a diary or two but life gets in the way and my debt busting ways turn into spending ways! I am back again with my third diary with the hopes that this year it will be different and at the end of 2019 i will be debt free. Most of my debt was racked up by…
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Trust deed
Hi looking to see if anyone can answer this so I just discovered that my bank have taken over my accounts because I entered a trust deed I have just set up my new bank account but it was to late for my employer to change bank details for payment and they are still with the original bank and are due to be paid in on Monday…
