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  • FIRST POST
    sarahb123
    Single and in debt.
    • #1
    • 23rd Jul 08, 11:24 PM
    Single and in debt. 23rd Jul 08 at 11:24 PM
    Official MoneySavingExpert.com Note:

    As this discussion's become so long it's taking resources from the servers. We've started a new discussion thread so if you can carry on the discussion there that would be great: Single and in Debt Part II

    Back to Sarahb123's original post...

    ---------------------

    Hello all, I have never posted before but I am a long time lurker on this site. I hope it's okay to join in here, you all seem like such a friendly bunch. I don't have an enormous amount of debt now as I have worked very hard over the last few years to clear it so I can begin saving for a deposit. I am now 36 and hoping to be debt free in the next couple of years, so looking to get a house before I'm 40. My problem is that I am single, and I have always found that to be one of the most difficult things to cope with over the past few years whilst being in debt, not having anyone to share my worries with. Another problem being of course that I am having to do it all myself, pay bills, rent etc with just one salary coming in, it has been a very lonely journey at times. I am feeling okay at the moment and I can see light at the end of the tunnel, but I seem to have been struggling with this by myself forever! I was wondering if there is anyone in the same situation who has any tips and/or moral support? Thanks in advance.



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    Last edited by MSE Andrea; 18-03-2009 at 12:30 PM.
Page 1
  • Witsend
    • #2
    • 23rd Jul 08, 11:31 PM
    • #2
    • 23rd Jul 08, 11:31 PM
    Hi sarahb123 don't worry I know the pic seems scary it's just a group hug to welcome you. I can't really offer any advice I just wanted to say welcome and don't worry you have joined the right site it is full of really useful advice
    Remember every waking moment is a chance to turn it all around. Knowledge is the key to respect.

  • sarahb123
    • #3
    • 23rd Jul 08, 11:41 PM
    • #3
    • 23rd Jul 08, 11:41 PM
    Thankyou. I have just reread my post, didn't mean it to sound quite as depressing as it does! I just read a lot on here about people who are also in debt but they have partners (not always helpful ones, i know!) I am just wondering how other single people manage with debt on their own, would be nice to get some new ideas.
    • beanielou
    • By beanielou 24th Jul 08, 9:34 PM
    • 58,105 Posts
    • 239,389 Thanks
    beanielou
    • #4
    • 24th Jul 08, 9:34 PM
    • #4
    • 24th Jul 08, 9:34 PM
    As you sarah its tough doing t all on your own (hate it sometimes TBH) but the great news is you are getting there!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
  • scorched_earth_erotica
    • #5
    • 24th Jul 08, 9:39 PM
    • #5
    • 24th Jul 08, 9:39 PM
    Good luck with everything. It's really hard when you are single especially with the credit crunch at the moment!
    This is not a signature.... or is it?
    Clydesdale loan 955 174.42 saved. 780.58 to go.
  • very silly and scared
    • #6
    • 24th Jul 08, 9:40 PM
    • #6
    • 24th Jul 08, 9:40 PM
    Hi Sarah

    I am also single and the same age, (spinster with cat no less-what a stereotype!) and you're right, it is really isolating sometimes. However, have only been on here a couple of days though have been lurking for ages and feel far more supported now, so I would say just keep coming here when you feel you need support.

    My debt is over 20,000 so I am pretty resigned to not having a house or car as I rent and use public transport at minute...so I am possibly not the best one to come to for tips but am DEFINITELY here for moral support!
  • SouthernSoftie
    • #7
    • 24th Jul 08, 9:41 PM
    • #7
    • 24th Jul 08, 9:41 PM
    Hi Sarah and welcome
    Just think, at least it is better to be able to tackle it on your own than have a partner who is a spender or who doesn't think there is a problem... and there have been people on here like that.
    Besides, you now have us to help take the burden a wee bit.
    • bunzee
    • By bunzee 24th Jul 08, 9:45 PM
    • 121 Posts
    • 313 Thanks
    bunzee
    • #8
    • 24th Jul 08, 9:45 PM
    • #8
    • 24th Jul 08, 9:45 PM
    Hi Sarah,

    I'm also single, 32 years old and I've got myself a house (albeit tiny!) and am slowly clearing my debts, and to be honest I'm happier now than I have ever been before! Everything I do seems worth it because I know the end result isn't going to be scuppered by some unthinking partner (been there before lol).

    It is great to come on here and talk about things money wise tho, or indeed anything else! I'm sure you'll find it really helpful
  • tamara2000
    • #9
    • 24th Jul 08, 9:51 PM
    • #9
    • 24th Jul 08, 9:51 PM
    hi Sarah

    I'm single in debt, rent a house and have two children. I'm 33 and i hope to be in a better situation at the age of 40. So don't worry. We will all get there eventully!!!. xxxxxx

    Tammy x
  • very silly and scared
    Maybe we should start some sort of single and in debt support group!!!
    • Buffythedebtslayer
    • By Buffythedebtslayer 24th Jul 08, 9:56 PM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    I am single too! and do find it hard, sometimes feel like my life is sort of stuck. and I know what you mean about not having anyone to talk to about (aside from here) it all. even more sadly for me I live with my Mum (who is fab), which can be a bit limiting!

    still this place is brilliant for help!

    xxxxxxxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
  • Mupeteer
    Hi and welcome, I've just recently become single and it is hard to cope with all the debt, but at least you are well on your way. Keep going.
    Reality check - hit rock bottom on 15 Dec 2008 with unsecured debts of 29,136 and not enough money to live on

    NOW DEBT FREE!!!!

    I try to take life one day at a time but sometimes several days attack me at once
  • PrincessPeach
    Hi Sarah and everyone else.

    I'm single too - 31 and in debt and nothing to show for it but a large shoe collection.

    I sometimes wish there was someone to share the problems with - though recently have decided that I can do it.

    I want to get my own place as soon as possible and thats become my driving force.

    So dont worry you're not alone. xx
    • Buffythedebtslayer
    • By Buffythedebtslayer 24th Jul 08, 10:17 PM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    Hi Sarah and everyone else.


    I want to get my own place as soon as possible and thats become my driving force.
    Originally posted by PrincessPeach

    that's like me, hence my Avator pic,

    we will get there

    xx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
  • sarahb123
    Hi everyone, thanks so much for all your replies! It's nice to have people to talk to and so much moral support. Would love this to be a support thread for others in the same position to swap advice/shoulder to cry on/support, so anyone who's single and struggling please feel free to post, all comments very welcome! Today I have paid my 10 lottery win into my ISA, have a small amount of savings for emergencies, every little helps! Am determined to get my own home by 40, can't stand renting anymore. I know I am lucky not to have a partner dragging me further into debt, but the grass is always greener ...! Can be quite lonely at times. Thanks to all who replied, you have made me feel so much better today
  • KTjazz
    hello!

    I'm in a slightly different place. I am not single really. I have a great boyfriend who happens to be awful with cash (but getting much better of late I think). However, he doesn't live with me so all my bills are my own too.

    I'm 25 and got my flat at the end of last year. Getting it in a livable state is why I'm in debt so completely different situations.

    I'm going to do it all on my own too (cause I'm stubbourn that way)

    so, can we change the thread to "single in a bill paying sense"? or is that too much of a mouthful... hee hee!

    Anyway, i just wanted to drop by and say hello.

    KTjazz
    - Proud to be dealing with my debts! DFW nerd No. 1011!
    I'm back, and this time I mean business!
    If you need to talk to someone confidentially call Samaritans on 08457 90 90 90 or email jo@samaritans.org
    My heart knows me better than I know myself so I'm going to let it do all the talking.
  • sarahb123
    Hi KTjazz! Thanks for your reply. Well done for getting your own home already! I know what you mean about being stubborn, am too set in my own ways sometimes! Have spent too long on my own I think. Might keep the thread name the same so others can find it, but are very welcome to join in, we can count you as single in a financial sense!
    • runmichellerun
    • By runmichellerun 24th Jul 08, 11:24 PM
    • 849 Posts
    • 2,681 Thanks
    runmichellerun
    I'm single and in debt! I'm 28 (nearly 29) and rent a lovely little place. I have about 6,000 of 'real' debt plus a stupid student loan. There's no way I'm getting on the property ladder anytime soon because my priority isn't to settle, it's to clear off my real debts and then save to travel the world. Once I come home from that, then I might save for a deposit on a house. So I'll probably be 40 before I'm on the property ladder!
    LBM February 2008. DFD March 2013 19 August 2011
    Debt at LBM 14,395.48. Debt Now 0
  • sarahb123
    Hi runmichellerun, thanks for posting. I still have my student debt as well, they are such a nuisance! My priority is a house at the moment, but need to get everything cleared before I can start saving for that. You have done really well on your credit card already! I will be at least 40 before I am on the property ladder as well, won't be able to go travellling first though, am v jealous!
    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 08, 12:17 AM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    crikey just when I was beginning to think I was the only single 30 something woman left in the world! there are loads of us!

    excellent thread idea sarah

    night all xxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
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