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It's time to turn into a frugal Fred to get ready for retirement
Hi everybody 😃 I hope you don't mind but this diary is more for me to keep me on track but if you feel free to join in with my ramblings that would be lovely.😃 Well time is ticking by and we are not getting any younger so it's time to clear the debt and plan for our retirement. The government says 67 is both mine and OHs…
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Frugality on maternity leave
Ok, so I officially start maternity leave next Monday (I am currently off work but it's 2 weeks of annual leave which we are forced to take prior to starting maternity leave). Need to be more frugal. Will be paid full pay up to 20 Jan (which is pay day anyway). For Feb I should receive 2 weeks pay as is annual leave for…
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Here goes nothing
I've decided to take the plunge and admit that I have a problem with gambling. I've borrowed from various credit cards and loans. I've done so well for a year and royally ruined it this last week. I am a professional, a wife and a mother and this is all secret, debt included and if anyone ever found out I would be so…
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Capquest sending round the boys!!!
Today i received a letter saying a warrant of control has been asked to be issued by capquest regarding the amount of £1,937 which apparently ive owed since 2012 without me ever contacting them niether them making contact with me other than letters ive never admitted the debt or made any payments i have a pic of the letter…
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Oh my...
OK so had my light bulb moment about June 2018, I've paid my overdraft and a credit card off already :j but... Currys £400 10.9% CC1 £4400 4.9% CC2 £3500 24.9% CC3 £750 0% LOAN £8800 0% (On a payment plan) TOTAL £17850:eek: I'm trying not to panic but not doing a great job to be honest!!!! I've hovered around the MSE…
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Newbie debt free wannabe
Hi everyone, recently got engaged with a view of getting married in the next 3-4 years but myself and fianc! carry a fair bit of credit card. Here really for any general help,advice, hints and tips people can offer. We owe £8000 on a credit card and were looking to consolidate into a fixed monthly payment via a loan. Have…
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Quick question re: DMP
Hello Just a quick question as I am at work. Following advice decided against even looking at a loan. My question is, is it better for me to try and contact my creditors myself and speak to them regards payments and try and arrange a payment plan with them or is a DMP more appropriate as a debt advisor has more experience…
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Saving for a new leg!
I hope that title made you sit up! :) Having lurked on the Debt Free Diaries Forum for several years now, I have decided to start my own diary. A little bit about me … I have been a lower limb amputee for 40 years next year following a diagnosis of Osteosarcoma in 1979 (when I was 17 years old). My leg was amputated at the…
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Finding Strength and Balance
Hi guys I've been lurking on these boards for years and I think it's finally time I made myself accountable. I've been wanting to get rid of the debt for years but I didn't really do anything about it until last year. (I guess I just hoped it would disappear in a puff of smoke one day;)). Even now I haven't been very…
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Diary of a Twenty Something Shopaholic
Well here goes nothing! :wave: Firstly - I'm petrified. Like, really scared to post on here - I've been a stalker of the forums on MSE for a while and to be honest some of the comments are definitely more negative nellbob's than anything - so please, be gentle! I'm a Debt Free Wannabe, Wannabe if there is such a thing! I…
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Thistle grasps the nettle (again)!!
Afternoon everyone :wave:, I've been lurking around for a couple of weeks having migrated over from the MFW Diary forum after deciding that everyday debtbusting is a better focus for me right now. As my mum says..."Your mortgage will look after itself!" and she's right. I tried to remortgage to get a new deal but I can't…
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I want to be living my dreams... not stress out
Hi everybody, I have been reading the forum for a while now and want to take matters into my own hands financially to be able to stop worrying so much about money and be enjoying life a bit more... I have amassed a debt that is perhaps not that huge but the stress related to it and the fact that my money is not spent the…
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Losing control, time to take charge.
I had a diary that I last updated in December but life has changed a bit so thought I'd make a new diary. I've really been struggling with my mental health over the past few years and this has resulted in me gaining pounds on the scale and pounds of debt also! I hadn't quite realised how bad things have gotten over the 6…
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wrong section, will repost
wrong section, will repost
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£228,000 debt at the age of 23
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…
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Looking Forward
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…
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Single mum on a mission
I ended my relationship with my daughter’s dad earlier this year. I don’t know what it was but since then something clicked on me with regards to my finances. We’d always spilt our bills. He paid rent £750. I paid bills and childcare, which amounted to roughly the same. I have several HIGH interest credit cards in my name,…
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Life on a sticky wicket in 5XL underpants
Hi MSE! I’m a mid to late 30s chap who has a bundle of debt, little income, a not so straightforward work history, a few ailments, and a rather wobbly backside. I appreciate that this is DFW and some of the things I wish to address fall beyond the debt category, but all these things are linked in some way and I feel like…
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Trying to do everything all at once!
I have been reading everyone's debt free diaries for years now, and finally had my lightbulb moment about a year ago. Since then, I have paid off around £1500, whilst still going on holiday, being accepted for a mortgage and generally still trying to live my life. I can't thank everyone enough for the all the tips and…
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I'm getting there
I haven't posted for a while and I can't seem to work this thing or understand where to post! Never mind, here goes, wrong place or not! I've paid off both my credit cards! I've only my sister to pay back now and I'm paying her £250 per month. Pray the car will keep running and the washing machine working! I was cc debt…