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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,734Posts
    • 20,540Thanks
    Hiddenidenity
    When things hit rock bottom the only answer is to fight the way back up...
    • #1
    • 9th May 17, 12:47 PM
    When things hit rock bottom the only answer is to fight the way back up... 9th May 17 at 12:47 PM
    I'm back again, worse than ever to be honest. Things all hit a head in March and along with help being needed in other areas than financial I realised that the money side of things are a big issue in fixing things elsewhere.

    Although not posting I have been reading the diaries I have followed, so many who helped along when I first started are happily debt free now. I want to join them one day, both in being debt free and in happiness.

    Our finances on paper while tight look okay. However we both smoke and my OH is not very responsible. At all. I fell into a gambling issue which I've sought help for and not a penny has gone on gambling since March.

    Our household is me (Not working, our youngest has complicated health issues), My OH he works full time with over time, and 3 delightful children

    I will make a seperate post for my debts/goals and then one with our SOA when I've completed it.

    Hope I can stay around to sort myself, the debt and the happiness thing out.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
Page 103
    • Cumbria lass
    • By Cumbria lass 12th Sep 17, 10:36 PM
    • 472 Posts
    • 1,163 Thanks
    Cumbria lass
    Hidden , I got wellies for £5 for my grandson from sports direct , they had blue and pink. Could be cheap for the other stuff as well.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Hiddenidenity
    • By Hiddenidenity 12th Sep 17, 10:44 PM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    Thank you will have a look on sports direct and will look in store when I'm in town. I always forget about there thank you x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • moneymanager
    • By moneymanager 13th Sep 17, 2:28 PM
    • 355 Posts
    • 1,534 Thanks
    moneymanager
    Hi Hidden, glad you had a fab time at the caravan.

    I am feeling tired too but I am putting it down to trying to get back into routine after doing nothing on holidays.

    Hope you are well. x
    SPC10 #283: £79.96/£150 | £2 #58 | 50p #27 | 20p #35 | ROADKILL: £0.05
    2017: TESCO CHRISTMAS SAVER: £90/£200 TESCOS VOUCHERS: £29 BONUS: £3 TOTAL £122
    Total Debt: £7,518.20/£419.70 = 100%/5.58% | Mortgage £61,490.79/£61,088.86 | Car Loan: £
    My Money Managing Ways
    • EssexHebridean
    • By EssexHebridean 13th Sep 17, 2:48 PM
    • 7,735 Posts
    • 40,093 Thanks
    EssexHebridean
    If you speak to school you should be able to delay paying for the trips until you've been paid. Just explain that you started a new job so cash flow is a bit problematic until pay day.
    Originally posted by helsbell
    Great suggestion!

    Primark or eBay for the other bits you need for the trips?
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • Hiddenidenity
    • By Hiddenidenity 13th Sep 17, 3:15 PM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    Thank you, I think we've agreed they will use old raincoats and things and I will replace them in October. Just need wellies. This way it won't matter too much if they get damaged (they are den building and lighting fires etc)

    I will add make a note they'll need replacing before we go on holiday which they would have done anyway.

    Busy day in work today, I'm still so tired
    Have done all my house work though and now having a cuppa before the school run. Chicken curry & rice for dinner, will make some flat breads when I get back.

    I feel like I haven't caught up with anyone else's diary for ages but there just isn't enough hours in the day to get everything done
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 13th Sep 17, 6:55 PM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    Finally sitting down. Least it's not as late. Just the floors to polish before I go up (then they can dry without footprints )

    Now I need to
    Mealplan
    Create a small budget
    Plan what needs paying and when

    My tax credits have changed to 4 weekly (The first payment will just cover the rent I will owe on the 29th)
    Meaning I will have £48.10 a week to cover £15 Electric, £10 gas, £5.60 TV license, £17.10 for groceries/school.
    Council tax will have to wait until I get my wages will call them and change the payment arrangement to fit in.

    So the debt busting is going to be awfully slow for the next 6 weeks Maybe I shouldn't post as much until I'm actually paying the debt down
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 13th Sep 17, 7:56 PM
    • 582 Posts
    • 2,591 Thanks
    UncannyScot
    You're doing great missus and don't worry too much about not being able to visit everyone's diaries, we know how busy you are.
    I've been the same past couple of weeks, work, work, work... thankfully, its easing off a bit now.
    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 13th Sep 17, 8:54 PM
    • 4,235 Posts
    • 23,208 Thanks
    Sun Addict
    You don't have to be paying debt off to post! We love to read how you're doing, you're so organised, we need you to motivate us
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Cumbria lass
    • By Cumbria lass 13th Sep 17, 9:24 PM
    • 472 Posts
    • 1,163 Thanks
    Cumbria lass
    Couldn't agree more , I may not comment often on your thread , but love reading what you have been doing . Don't stop posting !
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • UncannyScot
    • By UncannyScot 13th Sep 17, 9:44 PM
    • 582 Posts
    • 2,591 Thanks
    UncannyScot
    You don't have to be paying debt off to post! We love to read how you're doing, you're so organised, we need you to motivate us
    Originally posted by Sun Addict
    Absolutely agree
    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.
    • Eager_Elephant
    • By Eager_Elephant 14th Sep 17, 7:27 AM
    • 4,079 Posts
    • 21,889 Thanks
    Eager_Elephant
    I feel like I haven't caught up with anyone else's diary for ages but there just isn't enough hours in the day to get everything done
    Originally posted by Hiddenidenity
    Glad to see you are all settling into a routine now that you have work and youngest goes to nursery.

    As for your comment above I am , the sloven in me would rather read diaries than do housework - which clearly shows in the state of my house
    Ninja Saving Turtle No. 20 for August
    NSD - 0/18
    (up to 01/09/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Toni'sfriend
    • By Toni'sfriend 14th Sep 17, 9:25 AM
    • 816 Posts
    • 7,284 Thanks
    Toni'sfriend
    Please don't stop posting because you're not paying off any extra for a few weeks. You'll soon be back to your normal ways. Your diary is the first thing I read every day. It gets me motivated
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 9:46 AM
    • 2,942 Posts
    • 13,079 Thanks
    kirtsypoos
    HI don't worry about your diary not being 100% debt payments at the moment - mine is 95% baby/sickness and I'm not remotely sorry about it
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
    • abba1772
    • By abba1772 14th Sep 17, 1:59 PM
    • 3,740 Posts
    • 10,606 Thanks
    abba1772
    Don't stop posting.....these diaries are a lifeline to some of us on here as it's lovely to know we are all in the same boat xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5608.01
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £4113.25 / £6000
    • moneymanager
    • By moneymanager 14th Sep 17, 3:00 PM
    • 355 Posts
    • 1,534 Thanks
    moneymanager
    Do not stop you posting. You motivate me alot and your diary is the first one I read logging on here. You have inspired so many in the short space of time you have been on here and we would all really miss you if you stopped post. xxx
    SPC10 #283: £79.96/£150 | £2 #58 | 50p #27 | 20p #35 | ROADKILL: £0.05
    2017: TESCO CHRISTMAS SAVER: £90/£200 TESCOS VOUCHERS: £29 BONUS: £3 TOTAL £122
    Total Debt: £7,518.20/£419.70 = 100%/5.58% | Mortgage £61,490.79/£61,088.86 | Car Loan: £
    My Money Managing Ways
    • moneymanager
    • By moneymanager 14th Sep 17, 3:35 PM
    • 355 Posts
    • 1,534 Thanks
    moneymanager
    Hidden, what is the best survey sites to get Amazon vouchers?
    SPC10 #283: £79.96/£150 | £2 #58 | 50p #27 | 20p #35 | ROADKILL: £0.05
    2017: TESCO CHRISTMAS SAVER: £90/£200 TESCOS VOUCHERS: £29 BONUS: £3 TOTAL £122
    Total Debt: £7,518.20/£419.70 = 100%/5.58% | Mortgage £61,490.79/£61,088.86 | Car Loan: £
    My Money Managing Ways
    • EssexHebridean
    • By EssexHebridean 14th Sep 17, 3:54 PM
    • 7,735 Posts
    • 40,093 Thanks
    EssexHebridean
    Keep posting to keep your own motivation up as much as anything - anyway I just bet knowing you that you will find odd pennies to pay against stuff!

    Good plan to use old stuff for the kids trips too - no point in them trashing brand new bits with those sorts of activities!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • Hiddenidenity
    • By Hiddenidenity 15th Sep 17, 8:11 AM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    Morning .. Friday at last

    I think we're finally fitting into a better routine where everything's done before 10pm!

    We are just waiting to do school run. Then I think I actually have half hour to sit and have a cuppa before work.

    Hope everyone's well and has a lovely Friday
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 15th Sep 17, 8:12 AM
    • 582 Posts
    • 2,591 Thanks
    UncannyScot
    Have a fantastic Friday missus
    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.
    • moneymanager
    • By moneymanager 15th Sep 17, 10:20 AM
    • 355 Posts
    • 1,534 Thanks
    moneymanager
    Have a fab Friday xx
    SPC10 #283: £79.96/£150 | £2 #58 | 50p #27 | 20p #35 | ROADKILL: £0.05
    2017: TESCO CHRISTMAS SAVER: £90/£200 TESCOS VOUCHERS: £29 BONUS: £3 TOTAL £122
    Total Debt: £7,518.20/£419.70 = 100%/5.58% | Mortgage £61,490.79/£61,088.86 | Car Loan: £
    My Money Managing Ways
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