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What Small Things Will You Do This Week?? 25/04/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small Things Will You Do This Week?? 18/04/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small Things Will You Do Today? 04/04/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small Things Will You Do This Week? 28/03/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What small DFW things will you do w/c 21/03/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small Things Will You Do This Week 14/03/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small Things Will You Do This Week? 07/03/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Debt Payoff Planner
Absolutely no idea if this is allowed so I am so so sorry if it isn't! I read a blog the other day and it mentioned an app so i thought I would check it out and i think its helped! I have scheduled additional repayments and have (hopefully!) reduced my debt free date by 6 months ...... I should be DF in 2023, not 2024…
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In a bit of a pickle...
As you'll have guessed from the above, I'm in something of a pickle. My debts currently stand at; Overdraft - £1800 Credit Card (0% APR for 20 months) = £3700 Not a huge amount by anyone standards. The only issue is that my wife doesn't know but she's about to find out. We had separate accounts, however I left my mobile…
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What Small Things will you do this week 21/02
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small Things will you do this week 14/2/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What Small Things Will You Do This Week 07/02/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Decided NOT to take a secured loan!
So..I am here for a little help/support…please! Currently we have approx £39k in unsecured debt (loans / credit cards/ overdraft). we have mortgage - £182k outstanding and our home is valued at approx £285k at the moment. I recently looked into a secured home loan through Oplo which we very nearly went with but something…
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Takeaways are 'Taking Away' our income
Hi All! In 2021 we spent almost £2,000 on Takeaways and Meals out... Not only is this bad for our health (From 28in to a 36in waist in 6 years and approx 9st to 12st 8) it is around 5% of our income. A shocking statistic that could really help us tackle our large debt of £26,000 Late-night takeaways make up 90% of this and…
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Struggling to stay out of debt
Hello, I am new here. I want to say hi and ask what maybe the stupidest question ever. How do you stay out of debt when you are no good with money? So I am in my late 40’s, unmarried, no kids, never owned my own house, have two rescue dogs. I have a part-time job in a bookshop on a permanent contract. I got into into debt…
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What Small Things Will You Do This Week? 27/12/21
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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First Steps
Hi I had a light bulb moment 3 months ago and realised like we all do that my credit was extortionately out of control & had no idea how I had got to being 50k in debt . I have now begun the process and I stopped my payments 3 months ago but these are yet to default as I have just set up an account with clear score . I am…
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70k debt - what are my options? SOA included
Hello everyone, I'm really hoping I can get the help I've finally accepted that I need. To cut a very long story short, I left a severely abusive relationship 5 years ago. I left with nothing except my children and the clothes we were wearing at the time. During that relationship, I accumulated various debts unbeknown to…
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What Small Things Will You Do This Week? 06/12/21
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Same Same, but different.
Well, here I am again. So, I believed things to be on the up (despite the pandemic/ uncertainty regarding having a baby on the way), unfortunately things were not on the up. Good news first: * Baby Lonelyrat arrived in June 2020 perfectly healthy and is now a boisterous, almost, toddler. * OH is still employed by a decent…
A place for MoneySavers to share their journeys towards debt-free living.
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.
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