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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 Cutting Down Alcohol Challenge for February & 2026 :)
Welcome to the Cutting Down Alcohol challenge for the month of February and for 2026! This challenge is all about helping people cut down or even give up on their alcohol consumption, mainly for health reasons, but it can also save a lot of money, because the cost of buying alcohol really mounts up over time and sometimes…
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Road To Financial Recovery
Ah, time to get back into the race so to speak, can’t believe I am doing this again.It is time to start taking finances seriously again. It is a rubbish feeling to be back in a position where I feel my finances are back in a mess. There isn’t any major debt so that is a positive of course but feel like a plan is needed…
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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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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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Teetering on the brink
Where to start! My life has not been without challenges and I have had times where I’ve had a lot of debt, and times where I have had none. I always felt proud to say I have never missed a payment and always managed to get out of a sticky situation myself no matter what. But this time, I am not convinced I will find a way,…
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2026 - consolidation and calm
I've decided to start a fresh diary for 2026. 2025 was a bit of a rollercoaster year for us: * My post being put forward for redundancy at the end of 2024, though it was then reinstated thankfully * Restructure at work meaning many great colleagues (and loads of knowledge) going * DH's redundancy at work, then finding a…
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Busting this debt before 42
New year, new car and new loan, equals new diary. My previous dairy; https://forums.moneysavingexpert.com/discussion/6547320/busting-this-debt-before-40 Why am I doing this s**t agin? Right…because last year I had a midlife crisis and succumbed to the ‘shiny new car’ syndrome. Buggers. I very much enjoyed the challenge of…
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Turning Straw into Gold: Creating Long Term Security & A Solid Home
Hello, I am joining you on the debt free journey, for a couple
of loans that are giving me anxiety and also my mortgage. I have been reading
these diaries for inspiration and it’s time to start my own. I hope to get to
know many of you as time goes on. I moved into my home last April and I have some
loan repayments that…
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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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A Ditherer's Diary (again)
I'm baaaack. When I started my original diary "A Ditherer's Diary" My kids were littlie's aged 5 and 15 months. Nothing except their age and the amount of debt has changed, it's all got higher! They are now 11 & 7. Having had a quick read through, a lot of it was me coming and going with a few months/years in between. I…
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Busting this debt before 40
Time for me to de-lurk on this thread and start my own dairy. Long story short ish. Away on work last year all my co-workers talked about pensions. Then realised that I wouldn't get my state pension till 67. Also my work pension doesn't kick in till 67 either...(There's like a mini pension for when I've done my contracted…
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My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
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Don't hit me with those negative waves Moriarity
I have lurked for a long time on this forum, then joined and lurked (and lurked some more). Maybe should have gone with an Adams family reference for the title but ho hum I'm here now. I think I'm ready to start a diary even though I've had one running through my head for months as I had my light bulb moment back in…
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Let's get this sorted then!
Hey everyone, I went back to uni just before I turned 40, so have quite a lot of debt from that, and from generally trying to live whilst working and studying. I tackled a bit before the end of 2024, but that was mostly getting on top of things, doing some 0% balance transfers, and I paid of two small debts of about £250…
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Hopefully debt free before Mortgage renewal in June 2026
Hi, So, My mortgage is due for renewal in June 2026. I bought a house for £190,000 with around a £48,000 deposit on a 5 year fixed rate of 1.63% interest which comes to an end on 30th June 2026. I currently owe £129,363 and pay £517.72 and i have 25 years and 6 months left to pay (i will be 68 when this ends). I know…
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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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Should itsthelittlethings spend less on coffee?
Hopefully this works as an all new diary for me. Will add my debt into my signature and keep track of how I do going along.
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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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The Diary Of Onebrokelady Aged 60 And A Half
New Year new diary 😀 erm that's all I've got to say 😂😂
