Nearly 30 and my life is a mess...

-daydreamer-
-daydreamer- Posts: 34 Forumite
First Anniversary First Post Combo Breaker
edited 18 June 2020 at 9:16PM in Debt free diaries
After burying my head in the sand for far too long now, I finally did the right thing and faced my debts that I've stupidly let spiral out of control 😔

I finally plucked up the courage to  total them up on Tuesday and worked out I was £22,898.20 in debt 😩

I'm annoyed at myself for letting things get this bad and a tad ashamed but mainly determined to get rid of it all once and for all 💪I'm hoping this diary will keep me motivated whilst I slowly plod along....

-daydreamer- ❤️
Lightbulb moment: 16/06/2020
Total starting Debt: £22,898.20
27/03/2020: £13,565
Total debt cleared: £9333.20
DEBT FREE TARGET: DEC 2022

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Comments

  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    First Anniversary First Post Name Dropper
    Good luck with your plan.  Here to cheer you on.
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • So a little about myself, I'm 28 and a newly single parent to my beautiful 4 year old (well I say new but it's actually been 8 months, the whole global pandemic thingy has just made the last 3 months fly by 😂) and finally feel like I'm getting my life on track! 

    I used to always be so good with money, I had big dreams to save and yet somehow I've found myself in mountains of debt instead! 🙈 My Ex partner was extremely bad with money and I found I bailed him out so often in the early days of our relationship it was taken for granted! They do say love is blind right? 

    But now I'm single and happier, I'm ready to tackle the only stressful thing left in my lift: Debts. 

    If I can work my hardest and be super strict I'm hoping I can be debt free by August 2023....  Not sure if I can make it by then but I refuse to go into 2024 with any debt 😁


    Lightbulb moment: 16/06/2020
    Total starting Debt: £22,898.20
    27/03/2020: £13,565
    Total debt cleared: £9333.20
    DEBT FREE TARGET: DEC 2022

  • Good luck with your plan.  Here to cheer you on.
    Thankyou!
    -daydreamer--❤️
    Lightbulb moment: 16/06/2020
    Total starting Debt: £22,898.20
    27/03/2020: £13,565
    Total debt cleared: £9333.20
    DEBT FREE TARGET: DEC 2022

  • gilliweed
    gilliweed Posts: 11 Forumite
    First Post
    I'm 29 and an trying to clear my debt before my 30s. I'll be following your diary!
  • gilliweed said:
    I'm 29 and an trying to clear my debt before my 30s. I'll be following your diary!
    Thankyou! Good luck with your journey, do you have a diary I can follow? I think I'll be close to 32 by the time I'm debt free! 

    -daydreamer--❤️ 
    Lightbulb moment: 16/06/2020
    Total starting Debt: £22,898.20
    27/03/2020: £13,565
    Total debt cleared: £9333.20
    DEBT FREE TARGET: DEC 2022

  • Scloud
    Scloud Posts: 63 Forumite
    First Anniversary Name Dropper First Post
    Good luck getting started! These forums have really helped me get onto a good track and the debt is coming down. I know it's hard but try not to get stuck in a cycle of shaming yourself ( I am the worst for doing this to myself!). You are taking positive steps now. I look forward to seeing your debt creep down! 
    LBM November 2019
    Starting Debt: £52,803
    September 2021 total: £36,471
    Total paid: £15,683 29.9%
    My debt free diary: https://forums.moneysavingexpert.com/discussion/6110976/here-s-to-the-future/p1
  • Just wanted to wish you luck. I have found the only way to success (after several attempts) is to be in it for the long haul & proper budgeting. Extra income such as surveys etc helped me pay mine off quicker . 
    Debt Free as of December 2020 👏

    Save 12k in 2024 #35
  • gilliweed
    gilliweed Posts: 11 Forumite
    First Post
    gilliweed said:
    I'm 29 and an trying to clear my debt before my 30s. I'll be following your diary!
    Thankyou! Good luck with your journey, do you have a diary I can follow? I think I'll be close to 32 by the time I'm debt free! 

    -daydreamer--❤️ 
    I do but just realised I posted this on the wrong account!! I only recently managed to dig out access for my original account and I was still logged into this one on my phone haha. My diary is called The Last Leg
  • savingholmes
    savingholmes Posts: 27,280 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Good luck on your journey. Ditch the shame far more people are in the same position that ever let on - at least you are doing something positive to fix the situation.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • Scloud said:
    Good luck getting started! These forums have really helped me get onto a good track and the debt is coming down. I know it's hard but try not to get stuck in a cycle of shaming yourself ( I am the worst for doing this to myself!). You are taking positive steps now. I look forward to seeing your debt creep down! 
    Thankyou, I used to always be on these forums, and the last few days I've been lurking, so though a diary would help keep me motivated!

     It's so easy to do, but you're right least I'm doing something about it now so I shouldn't dwell on the past too much! Good luck in your journey!
    -daydreamer-❤️

    Lightbulb moment: 16/06/2020
    Total starting Debt: £22,898.20
    27/03/2020: £13,565
    Total debt cleared: £9333.20
    DEBT FREE TARGET: DEC 2022

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