-
MinnyMoo's getting the bills paid and then tackling the debt diary
Hi, I'm MinnyMoo and after spending years lurking on the forums of this website I have finally decided to start a diary. Hopefully this will spur me onto sorting my life out. I live with my DP and DS (age 14) we own our own home, with a mortgage and we are getting married in 2011. I'm very lucky in that my DP works full…
-
* Shake your baby maker * Our plan to get rid of debts and save for a little one *
Hello all, Have decided to start myself an online diary. I might not be able to update every day (no laptop at home, just an ipad which hurts my fingers after too much typing so I have to use the computer at work), but will try my best!! My OH and I have been together for a year and have just bought our first house…
-
Lost.... Willpower. Please return to owner
Ok, I have managed to clear a huge chunk of my debt £2000 of £5700 by working a second job but I have now lost the willpower to carry on and have left the 2nd job, I also needed my weekends back for more me time. Need some new suggestions for weekend money saving antics to clear the rest that won't cost me my soul serving…
-
*Swimstars no more splash with cash*
Right here goes, Ive been lurking here for about 12 months, quietly doing all my sums and sinking not swimming. I have always been rubbish with money, with the attitude of you only live once so if i want something I buy it. I moved in with my partner to his flat in June 2008, paid out 10k on various things including 18…
-
I am ready!
I've spent the last 18 months with my head in the sand as far as my financial situation goes, but I'm finally ready to start facing up to the situation, so thought I would start a diary here on MSE. I've just managed to get myself a job, which is fantastic because at long last I'll be earning enough to cover my monthly…
-
Forget Onwards and Upwards....Side to Side is much more fun
I have tried onwards and upwards and it hasn’t quite worked out this year, hence my new diary. Debts at present are: C&G loan: £22,000 – this is tied in with the mortgage so no great rush to pay off yet. Credit card: £3584.89 – 0% until September 2011 Overdraft: £2750.00 Total owed: £28,334.89 If you have read my last…
-
Back after a break
Hello all! I am back after a break of a few months. I first joined after getting my LBM back in January. Since then, it's been slow progress. The main problem is I went from having my head firmly in the sand one day to spending almost all my waking hours thinking about my debt the next. It was just too stressful feeling 'I…
-
Lets all be positive
Ok today is the start of a new start for me. I am starting a new positive diary and ditching my old one (albeit a fairly new one) and looking to the future. OK my aims firstly to do a SOA and snowball and get back on track and sort out my debts I am sitting with £4721.14 in debt owed to various places and am determined to…
-
The Final Push - Getting Rid of the Last Loan and CC
Right, I've decided after being on the forum for a good few years to attempt to create and maintain a diary to help keep me on the straight and narrow. I have cleared quite a lot of debt over the past few years and now only have a loan of about £2000 (must check exactly how much) and a credit card with a balance of £5000…
-
Need advice for my payday loans, credit card debts
Hi All, first time here, nervous, terrified, scared etc... as I start on a debt management plan. Briefly, I have gotten into a lot of debt that has spiralled out of control and I just want to get the monkey off my back now. I have been in contact with national debt line who sent me an information pack. After seeing other…
-
Highs, Lows and all the bits in between.....
So I have been lurking around since 2006! Our debt has always been managable car loans, bike loans bit on the credit card etc, but recently we have remortgaged (In a good way! not to consolidate) but it has made me realise that it would be nice to clear everything in preperation for slowing the pace of life a little. I've…
-
Trying to get debt free...
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household...................... 1 Number of children in household.................... 1 Number of cars owned................................ 1 Monthly Income Details.. Monthly income after tax........................ 572 Partners…
-
trying to find some motivation
hi, ive decided im going to try and start a diary to try and find some motivation and meet my goals and pay off some debts and get the budget back on track. i am currently on maternity leave and not planning on going back to work (not going to work to pay nursery fees and come out with nothing myself and i had children to…
-
Someone please kick me up the backside so that I stop spending and clear my debt's!!!
Well this is my new diary, I thought I had my light bulb moment last year but I think the bulb has totally smashed now. I am 28 and in a lot of debt with nothing to show for it, no car, no masses of clothes etc. But I do have a lot of fab memories of the last 10 years and holidays etc but as it was all on credit it kind of…
-
Time to make some changes . . . lots of changes!
So, I declared myself as DFW a few months ago (Will go find my SOA I did a while back . . . probably about time I did another one). I got involved in a number of challenges (see signature) but I was mostly playing games, not truly taking it seriously. And then the summer came and I allowed myself to rack up a whole lot of…
-
Time To Sort My Life Out
Hiya, just wanted to pop on and say "hello and thankyou for sharing" :beer: I am 53yr old female, who's attitude to money as far back as I can remember is "easy come easy go" :eek:. Needless to say that attitude has got me in to big trouble over the years. So here I am to sort my life out. I have been logging on to this…
-
Eltee comes in from the cold......
I've had to delete some of my posts because I think I may have been sussed by people who know me.
-
Debt-Free Domestic Goddess Wannabee!
Hello, I've been reading quite a few of your diaries lately and it has inspired me to join in. I doubt anyone will be interested in my ramblings, but at least if its written down then I have something to work towards and hopefully get me organised! I work part time, hubby is self employed (as the wage is never guaranteed,…
-
5 year plan for debt and mortgage freedom
Jan 26“Blessed are the young, for they shall inherit the national debt.” -Herbert Hoover Bit of a late start for a new years diary, but never mind, it's nice to finally have this little speck of the internet for my own ramblings. I don't regret getting into debt. Oh dear, I'm not sure Martin or a lot of other people on…
-
Fresian's Free Of Debt (Woo!) Now, to stay that way...!
Hello ;) I'm flying_fresian and I'm a long-time member of the DFW community. I was lucky enough to be able to pay off the £9,112.63 (:eek:) that I initially owed two years ago and became debt free on 2nd December 2010, mere days before my 30th birthday! If you want to read about my previous attempts to get debt-free, links…