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Debt, debt and more debt.
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
[Deleted User]
Posts: 0 Newbie
mmmmmmmmmmm
5
Comments
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Happy shiny new diary
Things will get easier.
Keep plodding I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.1 -
Will be following to cheer you on and support you through the rough times. You are not alone in this. The important thing is you have made a start and it will have an end eventually.
JDJ1 -
Hey,
Just wanted to wish you luck on your journey. At the beginning it all seems a distance away, i personally have set myself short term goals and find focusing on them kinda puts the large end goal a bit to back of my mind. It will be tough while adjusting to new ways and methods but once you have a routine it will get easy
You got this! Good Luck1 -
You can indeed do it I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.1 -
Just popping along to wish you good luck on your journey. Take time for you too in all this... practicing self care is like putting an oxygen mask on yourself on a plane - to help make sure you are in a situation where you an nurture your child.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20282 -
Sorry to hear that things are not good.
Sorry, I know nothing about IVA's.
If your household becomes less then I am sure you could renegotiate your DMP payment.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.1 -
Hug to you.
Didn't want to read and run.
Make sure your husbands debts are not tied to you as well.Breast Cancer 100 miles Oct 22 100/100miles
D-Day 80km June 24 80/80km (10.06.24)
Diabetic UK 1m steps July 24 to end Sept 24. 1,001,066/ 1,000,000 (20.09.24)
Breast Cancer Now 100 miles 1st May 2025 (18.05.25)
Diabetic UK 1 million steps July 2025 to Sept 25. 1,006,489 / 1,000,000 (10.09.25)
Breast Cancer 100 miles Oct 2025 100/100 (12.10.25 all done)
Tommy 10,000 steps challenge. 1st Nov 25 for 30 days .
Diabetic UK 1 million steps July 2026 to Sept 26. 1,002,786 / 1,000,000 (13.09.26)1 -
Well done on the extra tutoring job
Sorry that things with your DH aren't going so well, it sounds like he is making your journey harder rather than supporting you in it. Big hugs.
Going to subscribe so I can cheer you on.1 -
Wanted to wish you luck. You will feel so much better away from your husband (he actually sounds like my ex!)Mortgage started 2020, aiming to clear 31/12/2029.1
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Hi just want to mention that your DMP should be based on your regular income, not extra income on ebay or tutoring. You really need to be putting that money away into an emergency fund for you and your kids, in particular if you are planning on moving out of your house/home. Good luck with your DM, I assume you have read the DMP support thread as well, there is a log of good info there.
You could always consider telling some friends and family what is going on.
Good luck with everything.Isa help to buy: 1000/3000 33%
Emergency fund: 100/1000 10%
Weight loose 8.6 kg - while having fun. 0/8.6 0%
Focus debt to clear HSBC £10/1111, 0% updated May 253
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