When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7.
Having had a quick read through, a lot of it was me coming and going with a few months/years in between.
I recently came back to MSE and went straight onto the Debt Free Wannabe board. I posted an SOA . The debts are dire.
We've recently had an extension and a lot of work done to the house. It was awful, we've had to sack the builder and he owe us a lot of money. The roof is leaking, the house needs re-wiring. The dog is poorly and needs a £4k operation... .
I know this is all going to take a very long time to sort out. Little by little, step by step I can hopefully creep us out of the overdraft, melt the credit card debts and maybe even have some spare money one day!
My plans for the following week are:
Find the new credit card I got for 0% interest balance transfer - activate it and set-up direct debit
Use the snowball calculator again to see how this has changed.
Get car insurance quotes
Make packed lunches every day
DO NOT buy coffee out.
I've joined the £2 savers club. I was a member a few years ago and have always saved them. It physically hurts to spend one.
I hope you'll come and help me along the long and winding path.
Credit Cards £33,220.42 NOV 2019 Here's my diary: A Ditherer's Diary Again