your debt diary - the personal finance coach

Your Debt Diary – The Personal Finance Coach

When I first began following the Debt Free Community on Instagram I was drawn in by the stories everyone would share about their debt free journeys. I find it fascinating to read about the progress others are making and also reassuring to know that I am not the only one in my position. Your Debt Diary is a guest blog series by money bloggers and members of the debt free community for My Debt Diary. Each week someone new will share their debt story. This week Ray from www.thepersonalfinancecoach.org Read more [...]
what are cash envelopes?

What are Cash Envelopes?

You have heard me speak about budgeting many times before on My Debt Diary. Today I want to talk about one specific method. Whilst many people choose to set up and manage their budget digitally, myself included, cash envelopes are also a popular choice. But what are cash envelopes? What are cash envelopes? Put very simply they are envelopes with cash in. They are a physical form of a budget with each envelope holding a designated category. Most importantly they each hold a set amount of money. Read more [...]
debt payment progress report 9 - 021118

Debt Payment Progress Report 9 – 2/11/18

Every two weeks I will be sharing my debt payment progress report with you. I'll share my new debt total and some of the things I have done to make this happen. It will help me record my journey and it will also help me to stay motivated! My new total! As of November 2nd 2018 my new debt total is £14,870.56 (My starting debt total was £16,814.29) That means that in the last two weeks I have paid off £149.62. My new total debt payment to date is now £1943.73, which I have calculated to equate Read more [...]
my goals for november 2018

My goals for November 2018

We are now in November and it is time to set some goals for the new month. This is the bit I get excited about. I love making plans and writing lists. It always gets me motivated to get a move on and take action. Here are my goals for November 2018. Charlotte from CharlotteMusha and myself will be hosting a monthly linky for you to share your goals. You can find all of the information at the bottom of this post. We'd love to have you join in through your blog or via Instagram!   You Read more [...]