Hey Dear Diary, want to hear my story?

caffeineaddict1986 · 16 January 2018 at 8:59PM

So - like many people here, I have been a lurker for a few months on MSE site in general and this forum in particular. It amazes me how positive and supportive this group is which is why I now have the courage to do what I am doing and accept that I need to tackle my debt situation head on and hopefully you guys will spur me on to be debt free and stay that way!

A little about me then - I am now 31 years old and I must accept I have had a fairly exciting 20's & have realised its now time to grow up

Completed my uni, got a job, progressed quite well professionally, travelled a lot (I repeat, a LOTTT!) , met my perfect partner and now happily married. Along the way, I also picked up some debt I could have very well avoided. Whilst on paper, it all seems great , in reality, I am losing my sleep over the amount of debt I have single handedly accumulated. A big dent was made when I borrowed some money to fund the deposit for our home.In hindsight, not the best decision ever as if we had planned better, we would have been in a much better position financially.
I have a few goals & dreams that I'd like to achieve in this wonderful life & being debt free is the first step to make these happen. My long term plan has always been to get out of this 9-5 lifestyle & own a cafe library that serves the 2 most precious things to me - books & an unlimited supply of coffee.

In the next couple of days, I'll create an SOA which will detail where my spendings, loans & CC's are at and I am looking at this wonderful group of people to help me & guide me in making some life altering changes... I have a paper based plan for tackling my debt (which currently stands in the whopping 22k mark!:mad:) in 2 years from now. I believe my income can facilitate this if I can manage to stay within means.

Thats all for now , until we meet again soon!