-
Penguins 24 month countdown!
Hi everyone, thought it was time for a new diary as my other one has been going for a year now. So quick recap, I am 25 and live with OH and DD (6) and DS (4). We both work full time, me a Civil Servant and OH a taxi driver doing nights and I am currently studying for a law degree. We have paid off almost 20k since joining…
-
operation recovery
hi all , back again lol .... well what has happened since my last diary .. we were doing good .. getting there slowly but steady in the right direction ... but... well we were burgled ... yeah it wasnt great but it really couldve been so much worse .. we have found since then our hands are never out of our pockets ... we…
-
Deep breath and count to 10
Hi Guys Its about time I stopped burying my head in the sand and started a diary. Hopefully this will not only motivate me but i will pick up some handy tips along the way. The main bulk of my debt is due to legal fees. (Through no fault of my own, but I refuse to get all bitter and twisted about it - well most of the…
-
Brummiebabe's 'trying to keep on track' diary
Evening all! Have been around these forums for a few years now - regularly lurking on other's diaries and getting lots of useful tips. I find reading the diaries really helpful in terms of helping me to get motivated (especially Hypno....what a star!!) Decided that, although I'm not in a major amount of debt, I need to…
-
£7k in 7 months...I hope!
Hi all, If you have just stumbled across my thread then you may wish you never had, for this is going to be an exceptionally long first post! Why not go and make yourself a cup of tea, grab some biscuits (preferably of the chocolate variety) and settle down for a bit? :rotfl:I am going to try and break this down into bite…
-
who`s to blame? halifax, cash genie or my debt company.
I went with a debt company in october of this year. I have the normal debt of credit cards etc. But one in particular are cash genie (pay day loan). I had given my card details to them but they never took any payment as i had gone quite quickly after getting it, to a debt agency. The debt agency told me straight away to…
-
There's more to life than shoes - Shoe Gal's 2010 diary
Time for a new diary and a new plan :D 2 straightforward aims for 2010* get debt below £20k - currently £25,251.61 * get weight below 10 stone - currently 12 stone 1 lbs
-
A Clean Slate
Well, I thought I'd start a diary on here mainly as a way to keep myself motivated. My partner and I were in around £12,000 worth of debt, some was his, some was mine and some was joint. A few weeks ago we unburied our heads and decided to tackle it. Well, what a difference a few weeks makes; we now have some exact figures…
-
The £2 Coin Savers Club part 4 2010 :)
Well on the basis that every little bit helps I am starting the new £2 savers challenge, Savers old and new are welcome! I will give everyone a number. I have never run a challenge before so wish me luck! This is the link to the old Thread - huge thanks to Purpletea for running it for us…
-
My clearing the cards and saving for a holiday diary
Hi all, Well those are my goals for the year and I'll need a way to keep myself motivated so here I am. Have had loads of help and support on SAID and a few other threads already and do OS meal planning so here I am with my own diary. About me, I'm 31, single, been living back in the UK for nearly 2 years after lots of…
-
Goal - 3 debts paid by Christmas
Three of our debts to be paid off/taken care of by F&F by Christmas. That is our goal. It means lots of NSDs, scrimping and saving, and taking advantage of monetary opportunities (ebay, free bingo, coupons, and so on!) that come our way. We have been on a self managed DMP since December 2009, and it's been quite an…
-
Debt Free Diaries - The Book?
Wow you are an inspiring bunch. So it got me thinking - maybe I should bring out a 'Debt Free Diaries' book of the stories here to help others who don't use the site be inspired and save. And I wanted to canvas your opinion. Here's a few issues 1. Do you like the idea? 2. I don't want any money for this (though of course…
-
Hawaii before 50
Hello! I’ve called myself RumPunch because that is the first drink I had on my last holiday. I am a holiday addict. I have also corrupted my husband and now he is a holiday addict too. But we don’t budget for them and now we have built up debt of £8,835.09. Here is our sorry tale. Last October we went on an impulse…
-
Have we got a Drop one thing for 2011 thread?
Can't see one anywhere so if not can I start by vowing not to buy Cooking magazines or books. I have a ridiculous stash from which I could probably cook a different meal each night for the next 5 years :eek: Plus it will save me at least £15 p/m
-
Tired mum into full of life Mum
Well where shall I start at the very begining I think We have managed to spend our way into 50k worth of debt cant say i didnt enjoy doing it we did carribean holidays trips to Venezuela and anything else our hearts desired looking back they are holidays my 3 kids will remember for the rest of their lives but we will be…
-
HP is on the UP!
Ok. Having hovered around the edges for a few weeks, I'm biting the bullet and starting this diary to keep me on the straight and narrow. I'm going to come clean from the off and say that I have just over £4k on cards and more than that in savings. BUT for these reasons I do not want to pay off the cards with the savings:…
-
Debt Free at last
Well I've done it. Since being 18 I have had various amounts of debt reaching £7,000 at one point. This day I have paid off my last credit card balance at 26. I just wanted to let people know that is possible and the feeling I have is amazing! I have definitely learnt a valuable lesson along the way, always question…
-
new beginnings - first steps are always the worst
Household Information[/b] Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1872 Partners monthly income after tax....... 1200 Benefits................................ 188 Other…
-
Ruby's embarrassed but back
Well I'm back and it's far to long:o I have missed all the friendship and advice and hope that you are all still around with the support, have been intouch with CAB today so have made a start. Currently in the progress of banging head against the wall and kicking ones self up the backside for letting things slide, feel…
-
Breaking Free - Operation Happiness.
*************************