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Feels like im going under!
Comments
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Hi guys
Maybe postal strikes have helped but communication has totally died.
No defaults yet, but nothing outside of txts yet.
I'll post a story later of our friends (who have lived the high life and everyone assume loaded). They're about to do a bridging loan on a sale of their property to another and consolidate 60k of debt she didn't know about and he's alreading bragging about what he's gonna buy/do??
At the mo we r at the 'please pay' stage.
On a home front, we are already adjusting to sensibility. Hell. I even sold my bday gift of tickets to the darts... Needs must!!!
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I'm so pleased you are sounding so much more upbeat.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,984....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1450/£3000
.
Studies/surveys March.....£94
Decluttering items 1402/2025. 126/2026
Books read 23 in 2025. 2026- 6 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
You are doing well so keep doing what you are. Your friends sound like the people we used to call "all fur coats and no kni****s.
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You sound much calmer now that you know the sky doesn’t fall in on debt defaults. Sounds like your friends are in a bit of a hole but obviously they don’t see it yet.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Save £12k in 2026 Challenge £12000/£2000
365 day 1p Challenge 2026 £667.95/£165
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php2 -
Keep going NiteEyez you are doing so well! Really happy for you and the great help you’ve received 😁⭐️⭐️⭐️🥇🥇🥇 2024
⭐️ ⭐️⭐️⭐️⭐️🏅🏅💐 🏅2025
2026:
600 - 33 items out
26 for 2026 thread
Books: 9
KM:0 -
Just caught up on your diary, well done for taking the first steps. Please believe us when we say that if you keep paying your mortgage they cant take your property off you. Its called unsecure debt for a reason.
well done on cutting back, sad you had to sell the tickets but something you can budget for in the future.*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
*Total debt - £7000/£11641.17*
Savings
*Sinking Fund - £800/£2500
*Emergency Fund - £1000/£1000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Hi everyone
Just wanted to say a massive THANK YOU, MERRY XMAS AND BIG ❤️ to everyone for their advice, support or even just reading.
Muted Xmas this year and all the better for it.
No defaults yet, just notices of 'late payments'
It's all BS according to Clearscore I'm fine, Total Money... In trouble.... And Experian... Should top myself... Lol??
Holding strong, being frugal, and enjoying what counts.... Family!!!
Thank you once again... You will neva know the appreciation I have for all of you.
You have set me free. I'm now sleeping at night which I haven't done in months and looking at life realistically. Rather than using the neva neva and feeling ill through worry!!
Big ❤️ again
Luke
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Well done Luke. I’ve been with you from the start and to see how far you’ve come is life affirming. Have a great Christmas and keep on keeping on.💪🏼DEBT FREE - Feb '21& Mortgage Free Nov '24
Now, let's look at FIRE0 -
Really happy to hear this Luke, have a lovely Christmas with your family!Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.0
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Hi guys
Reading through the paperwork on my shawbrook loan as going through my paperwork, even though it is unsecured it says in the fine print that non payment could see them legally applying for a charging order.
Some reassurance would be great as wife 'googled' charging order and now has the 'fear', as do I tbh.
0
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