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Debt diaries Are they getting in the way??

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Comments

  • Zulu_Dawn
    Zulu_Dawn Posts: 282 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    I just wanted to say a big thank you to everyone who has joined in on this debate.

    I have read all the posts with interest and can see that the diaries provide a great deal of support to a number of people.

    It is also clear that some of the diary writers are those most willing to help newbies and other people with debt problems.

    This is a great board, I sense the real community spirit and am pleased to have come across it.

    I think all that now remains is for me to pluck up the courage to finally post my SOA and then start my own diary.;)

    Cheers,

    ZD
    Debt free - achieved Jan 2021

    Mortgage free wannabe - started 15/10/21

    "No man is a failure who has friends"
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    I don't think a time will ever come when everyone will agree how many diaries is (are? :confused:) too many, or how much social chatting is too much, but it's nice that there can be a friendly discussion about it, without it turning into a huge argument (as it may have done on some other boards).

    Good luck with putting your SOA together ZD, and I'll look forward to readng your diary! I like your sig by the way....very appropriate. :)
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • Shineyhappy
    Shineyhappy Posts: 1,931 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi all!

    As a fairly new, but addicted MSE member I would like to say that I was given a link to the DFW board on another forum and being in debt I had a good nosey round this site.

    To be quite honest what got me hooked was Immoral Angels thread. I saw the ups and downs of being in debt and saw how good she felt to pay off debts. Thanks so much IA your diary has been so inspirational to me! So I joined this site and am now an addict.

    I havent started a diary mainly because I dont feel I am interesting enough and also because the vast majority of my debt is my mortgage and although I class this as a debt (especially as its interest only) I am aware that this is a DFW board not the MFW board. But this is the board that I feel most comfortable on and I realte to, being as I am skint and wont have much spare cash until the mortgage is reduced quite heavily.

    I always try and post on new posters threads if I am about and there arent many replies or I think I have something new to say. There was a comment about it not being productive to just send hugs, but I think if there arent many replies and you cant offer proper advice then a hug shows that we do care and want to support that person and tbh when I am down it is really nice to get a hug.

    Sorry for my essay but I really do think this site is a fantastic place and has really helped me and I think it helps an awful lot of other people too.
    Debt Free - done
    Mortgage Free - done
    Building up the pension pot
  • Just wanted to quickly post on here (before I post on my diary! ;) ) to mostly echo whats already been said...

    The diaries, to me, are BY FAR the most important thing on this board... That is what inspired me, in a 'monkey see, monkey do' type way, to wake up, realise I TOO had a problem, and post for the first time... which, although at the time seemed like a huge thing to do, pales in comparison to the strength required of me to write todays diary entry and fess up to the stuff I've been up to over the weekend...

    Very few people in my life know the truth about my debts... I have found the fact that I can just be open, truthful and honest with everyone on here an UNBELIEVABLE source of help and support, and whilst I was a VERY naughty boy this weekend, I could have been a lot, LOT naughtier... the reason I wasn't? Simple. I couldn't bring myself to come on here and say "Well... you know what guys... I'm sorry, but I'm a weak-minded fool who can't keep money in his pocket, even in the face of almost insurmountable bebts." That is my motivation... Seeing what other people have been through and thinking, if they can do that, then by god, I DO NOT NEED 15 NEW ALBUMS!!!! That, and if any of you have known me 6 months ago you'd agree, is a situation I couldn't even CONCEIVE of... 6 weeks ago... Let alone 6 months!!! I was, and still often am, a little out of control... My 'diary', (which began as a cry for help, morphed into an SOA and some help, then became a diary...) is the only thing in my life that keeps my feet on the ground... Sad, but true...

    I will get better... With help...

    Anyway... back to work for a bit... ;)
    Total Debt at LBM 30/05/2007: £28,720... I... Am... Calm...

    Trying to repay my biggest debt first... the one to you lot!! :A

    543... It seems I AM just a number... despite my protestations to the contrary!! ;)

    Resolutions: 1, no food from 'Convenience' places during the day. 2, No Phone bill over £35 limit... EVER. 3, Fess up to Dad (Achieved). 4, No More Digressing! 5, Put expenses in regularly. (Achieved). 6, From now, I only pay cash. (Achieved). 7, Claim back my bank charges!
    Unnecessary Challenge Week 2: £2.11/£10.00... kinda
    "Proud to be dealing with my debt!"... And going insane while I'm at it, clearly!
  • sammy115
    sammy115 Posts: 15,267 Forumite
    Actually I am begining to wonder whether I should have a diary because I seem to be fighting demons lately....

    Its all very well having a LBM (or in my case about twenty over the last ten years!) but I KNOW that if I had money tomorrow I would be out spending now. I really don't know why, or what is the matter with me lately.

    Maybe I am not being fair to myself as I know I could have spent more than I have and I haven't - but how do you cope with the urges.......

    Maybe I will start a new thread.

    (the house is a lot cleaner :rotfl: )
    Quality is doing something right when no one is looking - Henry Ford
  • Snaggles
    Snaggles Posts: 19,503 Forumite
    Go for it Sammy! :T
    "I wasn't wrong, I just wasn't right enough."
    :smileyhea
    9780007258925
  • shamu95
    shamu95 Posts: 355 Forumite
    Hi- ive recently just started my debt diary and the reason i did it was so i could vent my feelings, highs and lows in one place and have it there in front of me to reflect on.
    One of the reasons i did this was i felt i was getting in the way as all my posts had a generally down tone. Think in one thread it even said shamus feeling down again. This upset me and i felt if i did my own think maybe people wouldnt feel obliged to respond but i could still vent.
    Maybe a seperate area would be best.
    june debt totals:
    Citifinancial £11700
    Morgan Stanley £860
    Capital one Mastercard CLOSED
    Capital one visa £1676.3
    Halifax £6650
    Barclaycard CLOSED
    Abbey £1756.85
    Dad £6625
    Mbna £2282.20
    Total £31550.35

    £1000 in 2mths challenge £228.19
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