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20 year debt with family plus interest
Hi All, im looking for some advice about a never ending loan I’ve had with a family member. I’ve borrowed and paid back over the years and my debt is now at around 30,000. They’re charging me £200 a month interest and I can only afford at the moment about £350. Making this never ending debt drown me. I have not borrowed in…
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Giving Up/Cutting Down Alcohol Thread part 18
Welcome!! Here we are again, time for a new thread, new starts and new challenges. Let's take a trip down memory lane and remind ourselves of In Search Of Me's original post on February 24th 2008 in Part 1: And here's what she started!!! Part 17 is HERE Part 16 is HERE Part 14 and 15 is HERE Part 13 is HERE Part 12 is HERE…
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Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…
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An in-between phase
I am largely starting this thread so as to not rudely put a long whinge on the lovely @foxgloves and @EssexHebridean threads! I will talk a little more about my slightly unsettled life situation in due course, but for now, just whinging 😂 Today I have been trying to switch to a more money saving phone contract. It has been…
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The Mental Debt Struggle...
I've known that this diary needed to be started... But I've run away from the idea as the accountability made me nervous and I didn't think anyone would want to read it. But then I realised it would be financially and mentally therapeutic for me, and that's the whole point after all. I've read other diaries and gained so…
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Moving on
Welcome to my new thread: my old one is here: Cherry takes the reins — MoneySavingExpert Forum and my very old one is here: Coffee and chocolate — MoneySavingExpert Forum Quite a lot changed in 2023, and now it's time to move on. I left the job and career path I'd followed for many years and don't feel I can or should go…
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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
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My journey to health, wealth (well, saving for works to house, so not really!) and hobbies
Starting a new diary as feel like I need a fresh start/new motivation. 43, married, 2 young DC. Work almost FT (28 hours) in a professional job. No current debt (other than a mortgage) but been in serious debt in the past due to stupid choices, mainly to try to keep up with the Jones's. Still have a tendency to feel…
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In the Meantime
The meantime is the time between two events. The two events that bookend my meantime are a death and moving into my long term home. In the meantime I will rest, practise self care and kindness. I will be planning and plotting for the next phase of my life. My beautiful relative died and was buried the week before…
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Must try harder!
To echo the words of many a school report, I must try harder! My dad often quoted ‘a fool and his money are soon parted’ and it’s taken many years and losing my dear dad before I really took it to heart that I am that fool. My position isn’t terrible, but I’m terrible with money. I often get to the middle of the month with…
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
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Giving every £ a job
I've decided to be brave and continue my journey from lurking on these boards, through posting on these boards and I now feel ready to start my own diary. I don't actually have any debt anymore but I am very bad at saving so I've decided to set myself savings goals and treat them as debts to my future self. I was…
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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
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A new chapter, An empty nest, Drama school & Last year of Uni
I've been on these boards for many years and a long time ago did start a diary when we'd had a windfall and cleared some debt and I'm not sure what happened but 'life' got in the way. Today starts a new chapter of my life as my youngest has just left home (albeit temporarily) for her to access a drama course in a different…
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Back here with more debt than ever before
As the title suggest I’m back with more debt than I ever had before. House improvements, holidays and it all just crept back up over the years. The usual story of credit cars, then loans to pay the credit cards off and now both credit cards and loans. But also for the first time I’m being refused credit and refused 0%…
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Evasive action! Stop the trench becoming a hole.
I need to take evasive action, and I need to hold myself accountable. I'm not going to call where I am a hole. It's still a rut. A trench. I've got savings, but they are in accounts where they earn good interest rates so I hate touching them. I've just moved house, and I've been doing a money shuffle every month, borrowing…
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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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Time to Face The Music
We have decided as a couple that it is time to face the music and start paying down some of our debts. We are lucky that we are both in jobs that pay ok but we have at times been living beyond our means and now it is time to start reining in the spending and making a concerted effort to cut the debt. Moving house last year…
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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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Flying solo
I previously had a diary (well actually I've a few) but in June I had a big life shift which meant I disappeared for a while! I've had a few attempts at trying to pay off debt, made great progress and then progress stopped and the debt increased again. But this time I seriously mean business and I am determined to get this…