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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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Sixty Thousand to clear in 4 years!
I had a previous diary that worked well but drifted away from and didn't keep up with the changes in my life. At that point I had a similar debt but in a sense less to show for it and less able to pay it off. Now with a 2nd baby on the way our little family will be complete and I want our finances and other aspects of our…
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Advice Please
Good Evening People! I don’t know how to start but here goes. I have always had debts but have always managed to stay on top of them until recently. I have 8.5K with Barclaycard these being multiple balance transfers paying £400 a month but due to be charged more interest as coming to the end of my 0% offer. I have 3.5k…
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Mrs. P's Savings, Paying Off CC, being more organised diary
I've now taken early retirement. Sadly I've built up CC debt yet again, but is only on one card and it is the only debt I have now. I really need to get this paid off, whilst also saving and making ends meet so I don't need to use the card again. I have decided not to stress and panic about over-paying (which is what I…
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taking responsibilty to get me where I want to be
Good morning MSE'ers I have been reading diaries for the last few months and have found peoples stories so inspiring that I am hoping for some company on my own journey , this will be my own log which hopefully will motivate me at times of bleakness so I can look back on any progress I have made My sitituation is quite…
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Geriatricmum vs inner voice: A monologue
Me: "Kids are at school and nursey, workout done, kitchen clean, 100th wash in the machine.... Time to relax with a cuppa and maybe browse the sales." Inner voice: "you have £44.39 in your current account and zero savings" Me: "yeah but I can pop it on the credit card!" Inner voice : "you're currently using over 92% of the…
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Finally taking back control after a decade of debt
Hello, Long-time lurker, first-time poster. I've had CC debt ever since moving to London after university around 9 years ago. Coming here for work on a very low wage, I quickly ate through my savings and started racking up debt on credit cards, without any real means to pay it off. Came to a bit of a head when I ended up…
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Dreaming of being Debt Free
Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…
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Breaking through the debt and life challenges
Hi everyone, I read a number of diaries here and I figured it's time I should start a diary of my own as a means to help track my progress on getting rid of the debt and possibly help me vent and unload some of the personal and family life struggles and challenges. Our position isn't bad but I'd like to clear the debts to…
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Got to get started Chipping away at it.
So ive been struggling with my debt for a number of years now . And have struggled with debt in the past as well . I came out of uni in what was comparative to my earnings at the time quite a bit of debt. Managed to sort that in my early twenties and was actually really well disciplined . Then I think I fell of the wagon…
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Debt a day
Hi all I did this many moons ago and it just helped massively to see the figures going down, I've got back into trouble again so I need to make a concerted effort this year so here goes: MBNA credit card 0% for 12 months- £7,941.87 Tesco loan 7.5% - £13,193.56 (40 months left) Total: £21,135.43 I have already paid off…
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Life is a journey to be experienced, not a problem to be solved…
Hi all, F26 Finally facing up to a situation that’s been getting rapidly worse since I was 18. Fed up of feeling self loathing, judgement for myself and full on misery. Struggles with gambling addiction (in recovery), payday loans, cost of living, mental health struggles, financially supporting an out of work (now ex)…
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Clearing my debts 1% at a time
I've been in a dmp since September 18 and am managing to have a little left over some months, I saw a thread from last year about paying 1% at a time, currently I'll be debt free in September 27 and my last negative marker will disappear in may 2026. Hopefully I can pay off 1% at a time which seems more manageable at £250…
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Walking into another chapter ...
Welcome one and all ... to those of you who have managed to avoid my diaries until now as well as those loyal ones of you who have stuck around over the years, thank you :) So another year is about to begin and now seems as good a time as any to start a new diary. This will be my 11th (I think?), I've been around here…
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Over the Rainbow and Quest for a Unicorn
Time for a shiny new diary! It's been so long since my last post in my old diary that it appears to have been closed! Link to old diary here! https://forums.moneysavingexpert.com/discussion/4590301/over-the-rainbow-and-happy-ever-after I haven't posted in 4.5 years! It is so inspiring to come back on MSE and see that…
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Three years to get debt free
Morning, I have had a diary on here before but had to close it down. I am a single mum with an 8 year old DD. I have found myself in debt since the age of 18 when I went to university and have been in it ever since. I decided to change this in 2017 and then found myself a single parent in 2018 and having to attain more…
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Clearing my debt after 25 years
I’m quite new to the forums and not to sure I will have done this right but I wanted to start a diary because I need some forums friends to keep me motivated. My story is a long one! We all have reasons why we ended up with debts, mine has just been some bad luck and some stupid choices! I won’t bore you all with those…
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You can’t pour from an empty cup, the road to self care
As 2024 is almost here I think a new diary is in order. I will be spending New Year’s Eve alone, not for the first time, the difference being this time I don’t have a significant other who would call me, and make sure they were the first to wish me a happy new year. I will not dwell on what has been lost, but focus on what…
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Getting rid of that debt in 24
I owe £1250 on credit card and want to get rid of it. I can afford the interest but that's not really the point. I can afford to pay off around £150-200 per month so I should be able to get rid of it in about 6 months, by May 2024 or at least by November 2024. I don't have any major expenses projected for the first half of…
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Time to stop being frivolous!
I'm biting the bullet and starting a diary! If anything I'm hoping it'll help me think a bit more about avoiding frivolous spending and remind me to get better at keeping the cards in my pocket. To quickly introduce myself, I'm 31 and live in London with my boyfriend and our rescue cat. I'm fortunate that I work full time…