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Diary
mrosie
Posts: 21 Forumite
I've spent a lot of time reading threads on this forum, and it's been incredibly helpful. More helpful than StepChange (and they were helpful).
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Comments
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Good luck on your journey!
One piece of advice - do not be ashamed. Look how many people are on this forum. You're not alone.
As far more knowledgeable people have explained on this forum, the fallout from defaults etc is nothing to fear. For banks, debt agencies, it's just business. It's just numbers on a computer. Emails, letters, they're all automated. It's not personal. It's also slow. So try to relax, play the waiting game.
Following your diary.2 -
Thank you, that's a good way of looking at it. It feels very personal, so I'll keep this in mind.
Off to read your journey.1 -
There's no shame in your situation. Just be proud you are facing up to it. Good luck with everythingIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Thank you. Your house by the sea sounds beautiful. How do I subscribe to/follow a thread? I've seen people say they have done that, but I can't see how...0
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https://forums.moneysavingexpert.com/discussion/6595179/living-large-on-a-small-income-by-the-sea#latest
It's tough losing work. I was made redundant and I panicked (and that was without being responsible for 3 children)
And yes, I have a nice house now, but in 2019 I was £24,000 in debt. I paid it all off and you will sort your debt out too. I have subscribed to cheer you on. (there is a little flag at the top righthand corner of the page of whatever diary you are reading...click on it and that's it, you will be subscribed)If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
Omg that's in less than 6 years! That is incredible, thank you for the inspiration.
Oh I see - the flag/bookmarky thing... thank u ☺️1 -
Read the debt free roll of honour to read about people’s successful stories and lots of tips if you haven’t already. You’ve made a great start writing a budget with everything included. Good luck on your journey.Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6601
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Well done for taking the first steps.*Dad loan - £7000 - £7000
*Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
*Nationwide Loan - £11,000 -£11000.00
*Total Debt - £21623.18/£21623.18*
Savings
*Sinking Fund - £1400/2000
*Emergency Fund - £0/£3000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Yes and @mrosie, just remember that the Queen Mother apparently had an overdraft of £4 million when she died. If she didn't feel bad, why pray should you? You're tackling it! I've subscribed and am cheering you on. You'll fix this for sure. Love Humdinger xx1
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Subscribed to cheer you along! X1
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