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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 726Posts
    • 4,343Thanks
    UncannyScot
    Rambling on...
    • #1
    • 21st Apr 17, 9:01 PM
    Rambling on... 21st Apr 17 at 9:01 PM
    Where do I begin? This is hard...
    OK, I'll begin with my SOA:

    Household Info
    Number of adults - 1
    Number of children - 0 (they are with their Mum)
    Number of cars - 0

    Monthly Income
    After tax - 2104
    Benefits - 0
    Other Income - 0
    Total Monthly Income - 2104

    Monthly Expenses
    Rent - 295
    Council Tax - 80
    Elec - 30
    Gas - 30
    Home Phone/TV and Broadband - 45
    Mobile - 12
    TV Licence - 13
    Shopping - 170
    Clothes/Shoes - 30
    Childcare/nursery - 500
    Other Child related expenses - 500
    Haircuts/Shaving - 10
    Entertainment - 20
    Emergency Fund - 15
    Total - 1750

    Assets

    Cash - 0
    House value - 0 (N/A)
    Shares/Bonds - 0 (N/A)
    Car - 0
    Other Assets - 0
    Total - 0

    Secured/HP Debt
    Mortgage - 38500
    Secured Debt - 19500
    Total - 58000

    UnSecured Debts
    Loans/Short Term/Payday - 6060
    Credit Cards - 1450
    Old Mobile Account - 330
    Total - 7840

    Monthly Budget Summary
    Total Income - 2104
    Expenses - 1750
    Available for debt repayments - 354

    Personal Balance Sheet Summary
    Total Assets - 0
    Total Secured Debt; -58000
    Total Unsecured Debt; -7840
    Net Assets; -65840
    there may be a few wee errors here as I had to type it all out as it wouldn't let me paste it in...

    As you can see, it's BAD... How did it get so bad?
    When I left home and got my home of me own I thought I was doing great. Single lad, I had a good job, good income, social life etc.
    I had the mortgage with the bank, credit card with the bank, then a loan for my first car...then other loans... and so it began to build up.
    After a while I managed to clear the loans and the cards and was able to keep myself in the black.
    Eventually, I met a nice lassie, we got married, had kids and started to build up debts again... Loans for holidays, cars, furniture etc. Used Credit cards and the bank overdraft for emergencies... we thought we were doing alright.

    I rented out my old pad, the rent covered the mortgage.
    Then out of the blue I lost my job...
    I lost the the old place cos my tenant moved out, got married and set up on her own. I couldn't get another tenant who stayed long enough and paid the rent to keep it going... I lost it... repossessed.

    My marriage fell apart, I left my family and the family home... had a total meltdown/breakdown.
    I ended up homeless, going from friend to friend, whoever would put me up for a bit, let me have somewhere to sleep.
    This went on for a few years, until I was fortunate enough to land another job. The friend I was staying with encouraged me to apply for a flat with the local council and eventually I got one.

    I began to get back on my feet again, furnishing my wee place with second-hand furniture and other basic household items from the local charity shops. I don't have anything much (the old laptop I'm using is held together with duct tape and is veerrrryyyy sllloooooow...).

    Now, i am being chased for my debts, it's time to face up to the mess that I have made of my life and wipe out the debt and become and stay debt free....
    Last edited by UncannyScot; 21-04-2017 at 9:04 PM.
Page 39
    • jackieb
    • By jackieb 10th Nov 17, 1:18 AM
    • 26,983 Posts
    • 78,789 Thanks
    jackieb
    The offer is still on but it's back to £50 each. http://www.sky.com/shop/bundles-offers/introduceafriend/
    • UncannyScot
    • By UncannyScot 10th Nov 17, 6:30 AM
    • 726 Posts
    • 4,343 Thanks
    UncannyScot
    I hope you don't mind me popping in. If you're looking at getting Sky have a look to see if they still have any recommend a friend deals going on. I recently phoned to ask about deals for my mum and she decided to go ahead with what they offered. They said that because I was already a Sky subscriber both her and myself would get a £50 pre-pay credit card. And we both did. Then I had a look on their site a bit later and they still had the recommend a friend deal but it had went up to £100 each!

    Not sure if it's still on BUT if you know of someone already with Sky and you can get a good deal, ask if they'll recommend you. It would be in their interests too.
    Originally posted by jackieb
    The offer is still on but it's back to £50 each. http://www.sky.com/shop/bundles-offers/introduceafriend/
    Originally posted by jackieb
    Hi and thanks for popping in
    I do have friends with Sky so will mention this to them (Cumbria lass, Fancy £50? ), thank you
    Last edited by UncannyScot; 10-11-2017 at 6:39 AM.
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Cumbria lass
    • By Cumbria lass 10th Nov 17, 7:21 AM
    • 789 Posts
    • 3,795 Thanks
    Cumbria lass
    Never say no to money US , would gladly reccomend a friend, just don't blame me if it's rubbish!
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • UncannyScot
    • By UncannyScot 10th Nov 17, 7:29 AM
    • 726 Posts
    • 4,343 Thanks
    UncannyScot
    Never say no to money US , would gladly reccomend a friend, just don't blame me if it's rubbish!
    Originally posted by Cumbria lass
    Thank you
    ...and I won't blame you if it is...
    Will PM when I get a chance... another busy day today
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Cumbria lass
    • By Cumbria lass 10th Nov 17, 7:32 AM
    • 789 Posts
    • 3,795 Thanks
    Cumbria lass
    Just checked only need your name and email address ! Thank you .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • UncannyScot
    • By UncannyScot 10th Nov 17, 7:36 AM
    • 726 Posts
    • 4,343 Thanks
    UncannyScot
    Thanks Cumbria lass
    PM'd you
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Sun Addict
    • By Sun Addict 11th Nov 17, 7:49 AM
    • 4,547 Posts
    • 26,609 Thanks
    Sun Addict
    Glad you're getting sorted with the TV. If it wasn't for Mr SA and DD I'd just have free view and broadband.

    That's a lovely story about you getting off the streets, so encouraging to hear about someone who has turned their life around. You definitely should write a book.

    Mr SA finally got round to making his first batch of home brew - should be ready in a couple of weeks. Thanks for the inspiration.

    Have a lovely weekend
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • UncannyScot
    • By UncannyScot 11th Nov 17, 3:57 PM
    • 726 Posts
    • 4,343 Thanks
    UncannyScot
    Afternoon folks

    Thanks for popping in Sun Addict glad to hear Mr SA has got his brew on the go. Which brew is it, if you don't mind my asking?
    I have sampled the Festival Ale "Father Hooks' Best Bitter" that I brewed recently and has just completed 4 weeks bottle conditioning... 'tis a lovely 4.5% ale and I will definitely be brewing it again.

    I'm not long home from taking my wee mam and two of my aunts to the big shopping centre to do their Christmas shopping...
    I swear... it would be easier taking Granny Weatherwax, Nanny Ogg and Magrat Garlick shopping than those three...
    As we say in Glasgow "Ma heids nippin..." and I don't want to ever have to go M&S with them ever again, ever...
    On the up side, one of my aunts insisted on us going to wetherspoons for our lunch (and bless her, she got me a decent pint too )
    Surprisingly they didn't get everything they were after today but said they'll just get the rest as they go along now as they've broke the back of it.
    Have agreed to take my mam back there on her own next weekend so that she can get what she has seen for her sisters presents...
    I am shattered now and think it will be an early night for me tonight.

    Hope you good folks have had a good day today
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Toni'sfriend
    • By Toni'sfriend 11th Nov 17, 4:51 PM
    • 631 Posts
    • 8,934 Thanks
    Toni'sfriend
    Just catching up. I love your stories about your wee Mammy and her sisters. I can so relate to them.
    I used to work in a post office in Glasgow near to the Salvation Army homeless unit. The stories of how these people came to be in the situation they were in was heartbreaking. I can never pass a Salvation Army officer without donating. They are marvelous people who have literally saved lives. Words cannot express my admiration. And Christmas just wouldn't be Christmas without the Salvation Army band playing Christmas carols.
    I am also full of admiration for how you have turned your life around. I hope you have a lovely Christmas with your friend and his good lady.
    • UncannyScot
    • By UncannyScot 11th Nov 17, 4:58 PM
    • 726 Posts
    • 4,343 Thanks
    UncannyScot
    It is just not Christmas without hearing a Salvation Army Band playing Christmas Carols
    ...and as my best mate says (almost daily just now) it's NOT bloody Christmas until Noddy Holder says so
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Toni'sfriend
    • By Toni'sfriend 11th Nov 17, 5:15 PM
    • 631 Posts
    • 8,934 Thanks
    Toni'sfriend
    That is also true. And until they show It's a Wonderful Life on TV on Christmas Eve. Until all the houses in Glasgow are lit up with Christmas decorations and the little girl next door comes in to show me her angel costume for the school play. I hate the commercialism but I love Christmas.
    • Sun Addict
    • By Sun Addict 11th Nov 17, 7:11 PM
    • 4,547 Posts
    • 26,609 Thanks
    Sun Addict
    No good asking me about beer US, it's the beer that comes with the Wilko starter kit. If that's successful, he's going to try a different one.

    Forgot to say earlier, I'm glad you got your Christmas Day sorted.

    I'm another one who always donates to Salvation Army, they do a brilliant job.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • redofromstart
    • By redofromstart 11th Nov 17, 9:00 PM
    • 513 Posts
    • 2,863 Thanks
    redofromstart
    I was going to do some Nanny Ogg style singing but the rude word filter applies sadly.
    • redofromstart
    • By redofromstart 11th Nov 17, 9:09 PM
    • 513 Posts
    • 2,863 Thanks
    redofromstart
    Just read back through to your helpful and thought provoking post. Hadn't thought about the sleep depravation aspect either. I've done some work recently with case workers who support homeless people with medical isssues and it has been a real eye opener for me and my relatively sheltered little world. There for the grace of god (insert deity of choice) go I.
    • UncannyScot
    • By UncannyScot 11th Nov 17, 10:34 PM
    • 726 Posts
    • 4,343 Thanks
    UncannyScot
    I was going to do some Nanny Ogg style singing but the rude word filter applies sadly.
    Originally posted by redofromstart
    It was the Hedgehog song wasn't it
    The song and lyrics can be found here,
    https://www.lspace.org/fandom/songs/hedgehogsong.html

    I agree, unless you have experienced it, it is hard to understand just what can happen to a person that isn't getting enough sleep, sustenance or warmth / shelter. Unfortunately, a lot of folks who end up on the streets also have psychological / emotional issues and / or dependency issues...
    I met a lot of good people who "fell through the cracks", some sadly have since passed on...
    I met ex-military personnel that the military / government failed to care for and support when they finished their term of service and returned home from conflicts that many of their comrades did not... PTSD is a truly terrifying thing, both for the person suffering it and their friends and family...
    I also met folks that ended up out there when the "Hospitals" for the mentally ill where being closed... "care in the community" failed them too...

    A lot of homeless people are homeless through no fault of their own and it really upsets me when I see or hear folks referring to the homeless as just druggies or drunks
    Yes, they are there among the homeless and they have their issues too...

    Maybe I do need to write up my experiences... it may help me as well as others...

    Thanks for reading, bit of a ramble again
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • UncannyScot
    • By UncannyScot 12th Nov 17, 9:33 AM
    • 726 Posts
    • 4,343 Thanks
    UncannyScot
    Lovely bright and fresh morning "North of the wall"
    So, do I head for the North West Highlands OR down to The Lakes... not been down there for a long time... going to check the weather for down there...
    OK looks good Mostly sunny and dry but will need to wrap up as the wind chill is severe...
    Heading down in about half an hour then.

    Wherever you are and whatever you're doing today, have a good one
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Cumbria lass
    • By Cumbria lass 12th Nov 17, 9:38 AM
    • 789 Posts
    • 3,795 Thanks
    Cumbria lass
    Weather beautiful here today , mid Manchester. Have a great day out. Loving the story of your mum and sisters .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • Toni'sfriend
    • By Toni'sfriend 12th Nov 17, 10:20 AM
    • 631 Posts
    • 8,934 Thanks
    Toni'sfriend
    It is a gorgeous day here. I'm out for a walk in a bit. Enjoy the Lakes. One of my favourite places!
    • UncannyScot
    • By UncannyScot 12th Nov 17, 6:00 PM
    • 726 Posts
    • 4,343 Thanks
    UncannyScot
    Evening folks
    Had a lovely day down in The Lakes...Derwent Water, Keswick, out to Cockermouth and then back up home via Ullswater.
    Very bright and sunny but there was a definite wintry bite to the wind.

    Hope you all had a lovely day today too
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Toni'sfriend
    • By Toni'sfriend 12th Nov 17, 6:10 PM
    • 631 Posts
    • 8,934 Thanks
    Toni'sfriend
    Certainly did. I'm off to Keswick for my usual two weeks at the beginning of December. Love it!
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