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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 5,314Posts
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    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 £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
Page 1
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 5,314 Posts
    • 26,055 Thanks
    Hiddenidenity
    • #2
    • 9th May 17, 12:47 PM
    Saved for debt/goals
    • #2
    • 9th May 17, 12:47 PM
    Debt 09/05/2017
    Council Tax £2092.71
    Fine 1 £1250
    Fine 2 £200
    Aunt £1000
    Mum £340 + £87
    Step Dad £1000
    Friend £1379

    Total £7348.71

    Aims 2017
    • Be happier
    • Be more organised
    • Keep posting
    • Keep track of everything! even the bad
    • Sort the house*
    • Keep head out of the sand, cannot sink any lower!
    • Sort a Laptop/desktop at home so eldest can do homework at home rather than school. *
    • DO NOT borrow anymore. We where rarely making a week where we didnt borrow from someone, this HAS to stop.
    *House, needs a complete overall. Its clean, its tidy, its organised. However we need to decorate, get carpets, get basics like kids beds etc. One room at a time, slowly but surely.

    * I know computer access is a luxury, however my eldest is nearly 9 and is starting to struggle to keep up with his class mates and feeling embarrassed he has to stay behind to do any work needing online/computer work. I don't plan on spending a fortune on some latest gadget, something basic that will allow google search and that's about it.

    Last edited by Hiddenidenity; 10-05-2017 at 9:13 AM.
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:48 PM
    • 5,314 Posts
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    Hiddenidenity
    • #3
    • 9th May 17, 12:48 PM
    Soa
    • #3
    • 9th May 17, 12:48 PM
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 3
    Number of cars owned.................... 0

    Monthly Income Details

    Monthly income after tax................ 0
    Partners monthly income after tax....... 1235 (Average, this varies a lot)
    Benefits................................ 728.43
    Other income............................ 0
    Total monthly income.................... 1963.43


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 487.5 (This includes a Court order of £12.50 a week)
    Management charge (leasehold property).. 0
    Council tax............................. 225 (This is ordered by the court to clear debt and this years bill before 2018 bill is generated)
    Electricity............................. 100 (This is prepayment and paying off a large debt so cant switch same for gas)
    Gas..................................... 100
    Oil..................................... 0
    Water rates............................. 0 Unsure
    Telephone (land line)................... 0
    Mobile phone............................ 15
    TV Licence.............................. 24 Paying for 12 months over 6 then will half
    Satellite/Cable TV...................... 60 A luxury that will go when out of contract. This is V1rg1n and includes everything at a discount after telling them I really cant afford the original package we had signed up too
    Internet Services....................... 0
    Groceries etc. ......................... 320 This is being generous, but does invlude nappies and dairy free foods.
    Clothing................................ 0
    Petrol/diesel........................... 0
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 60 bus pass for OH to work.
    Childcare/nursery....................... 30 school dinners/clubs
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0
    Total monthly expenses.................. 1421.5



    Assets

    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 0
    Total Assets............................ 0


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Fine 1.........................1250......100.......0
    Fine 2.........................200.......20........0
    Aunt ..........................1000......50........0
    Friend.........................1200......90....... .0
    Step dad ......................1000......50........0
    Mum ...........................340.......50........0
    Total unsecured debts..........4990......360.......-



    Monthly Budget Summary

    Total monthly income.................... 1,963.43
    Expenses (including HP & secured debts). 1,421.5
    Available for debt repayments........... 541.93
    Monthly UNsecured debt repayments....... 360
    Amount left after debt repayments....... 181.93


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -4,990
    Net Assets.............................. -4,990


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using Firefox browser.


    This will need adjusting in bits. Few things

    We are paid weekly, Everything is paid weekly. While it looks like we have money left over we both smoke. which costs a sickening amount, however I've never included smoking costs in my budget before but from today I am!
    Last edited by Hiddenidenity; 09-05-2017 at 1:36 PM.
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 1:42 PM
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    Hiddenidenity
    • #4
    • 9th May 17, 1:42 PM
    • #4
    • 9th May 17, 1:42 PM
    Today's house work is done. Chilli in the slowcooker for dinner tonight.
    Meal plan till Friday done (Friday is also shopping day)
    I'm waiting for this weeks wage slip to see what he will be sending me this week. This week and next his wages are short due to taking unpaid leave for some important appointments with youngest. Though now he will be back in full time with overtime, hes accepted offers of weekend work too this weekend..

    My first smaller aim is the £87 to my mum this needs paying asap separately to the £340.

    OH has annual leave from work for the first week in June so will need to factor in a lower wage for that week, plus me and the kids could be going away for the half term with my mum.
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Toni'sfriend
    • By Toni'sfriend 9th May 17, 2:21 PM
    • 932 Posts
    • 8,660 Thanks
    Toni'sfriend
    • #5
    • 9th May 17, 2:21 PM
    • #5
    • 9th May 17, 2:21 PM
    Is there anyone or organisation that could give you a computer or laptop that they are not using for your son. We gave our old one to a little girl whose mother couldn't afford to buy one for exactly the reason you stated. It is important that children have access these days when so learning much is computer orientated but I would also encourage him him to join the local library (if there is one near). They probably have computer access as well. Failing that is there a relative or neighbour who would let him have access to theirs?
    Good luck with all your efforts.
    • Purplemumof2
    • By Purplemumof2 9th May 17, 2:27 PM
    • 5,354 Posts
    • 18,300 Thanks
    Purplemumof2
    • #6
    • 9th May 17, 2:27 PM
    • #6
    • 9th May 17, 2:27 PM
    Hi Hidden,


    Lovely to see you back.


    Have subscribed and will be cheering you on again xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • enthusiasticsaver
    • By enthusiasticsaver 9th May 17, 2:45 PM
    • 4,674 Posts
    • 8,768 Thanks
    enthusiasticsaver
    • #7
    • 9th May 17, 2:45 PM
    • #7
    • 9th May 17, 2:45 PM
    Have you tried to stop smoking? This would save you tons of money.
    5 weeks to go until early retirement in December . Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 6:03 PM
    • 5,314 Posts
    • 26,055 Thanks
    Hiddenidenity
    • #8
    • 9th May 17, 6:03 PM
    • #8
    • 9th May 17, 6:03 PM
    Is there anyone or organisation that could give you a computer or laptop that they are not using for your son. We gave our old one to a little girl whose mother couldn't afford to buy one for exactly the reason you stated. It is important that children have access these days when so learning much is computer orientated but I would also encourage him him to join the local library (if there is one near). They probably have computer access as well. Failing that is there a relative or neighbour who would let him have access to theirs?
    Good luck with all your efforts.
    Originally posted by Toni'sfriend
    We used our local library a lot, not just for computer access but free entertainment and toddler groups too. However it closed last year and now the nearest is a bus ride away


    Hi Hidden,


    Lovely to see you back.


    Have subscribed and will be cheering you on again xx
    Originally posted by Purplemumof2
    Thank you have found your diary to cheer you on too x

    Have you tried to stop smoking? This would save you tons of money.
    Originally posted by enthusiasticsaver
    I have. We both have. We've both failed and tbh I don't think we ever will! Maybe one day who knows.
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 9:08 PM
    • 5,314 Posts
    • 26,055 Thanks
    Hiddenidenity
    • #9
    • 9th May 17, 9:08 PM
    • #9
    • 9th May 17, 9:08 PM
    House lovely and clean, all beds changed and windows done.
    Tonight I've spent outside sweeping and cleaning, which then moved onto sweeping the whole square (in front of neighbours etc)

    Wage slips in. Need to discuss what OH is sending over to me this week. It's down a day as he had 1 day off. Still a 49 hour week though but I know he has some things he needs to sort for work so he'll need more money than usual.

    Not a NSD. Needed to get coffee.

    Bank is sad. Very sad. Although not in the minus we might just make it to Friday.

    Plan now is to meal plan and do online food shop with Mr S for Friday morning. Then shower and crash for the night
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplemumof2
    • By Purplemumof2 9th May 17, 9:27 PM
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    Purplemumof2
    Sounds like a productive day.

    Mine wasn't a NSD either.

    Good luck with the meal plan and the food ordering x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • Hiddenidenity
    • By Hiddenidenity 10th May 17, 8:31 AM
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    Hiddenidenity
    Well I didn't get the meal plan done or the food shop. Will sort it today or I'll miss the morning slots for Friday.

    Two small ones in school and the youngest happily playing play doh.

    Curry for dinner tonight, I even remembered to swap the chicken from the freezer to fridge so it can thaw. No other major plan's today, just general cleaning. We have someone coming looking at the broken worktop tomorrow (it finally went all the way through and now the sink is held up by the cupboard doors! So hopefully that can be sorted.

    I think OH will just be paying rent this week and not contributing to anything else. Might have to try and hold some things off and spread it out over the next couple of weeks.

    Listed 4 things on ebay and 1 has bids to £5.50 already so hopefully the others will gather interest even if only 99p!
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • jwil
    • By jwil 10th May 17, 9:58 AM
    • 7,736 Posts
    • 21,932 Thanks
    jwil
    Lovely to see you again HI.

    Good luck with everything. Have you considered asking on Freecycle/Freegle for a laptop and some children's beds? You might get lucky. Otherwise there are charities that offer computers to people on low incomes - it might be worth checking if there are any in your area?
    "If you can dream it, you can do it". Walt Disney
    • Hiddenidenity
    • By Hiddenidenity 10th May 17, 12:42 PM
    • 5,314 Posts
    • 26,055 Thanks
    Hiddenidenity
    Lovely to see you again HI.

    Good luck with everything. Have you considered asking on Freecycle/Freegle for a laptop and some children's beds? You might get lucky. Otherwise there are charities that offer computers to people on low incomes - it might be worth checking if there are any in your area?
    Originally posted by jwil
    I'm always watching the free sites and I follow quite a few on OH FB, I don't have FB myself so annoy him using his

    I will have a good look around to sort a computer for DS. Thank you
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 10th May 17, 12:44 PM
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    • 26,055 Thanks
    Hiddenidenity
    Meal plan done, I can't decide if sticking with Mr S or giving Aldi a try

    Delivery costs from Mr.S is similar to what a taxi home for Mr A woild be
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Toni'sfriend
    • By Toni'sfriend 10th May 17, 12:56 PM
    • 932 Posts
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    Toni'sfriend
    Pity about the library - I hate it when a great resource like that is closed down. Jwil's suggestion is a really good one. I do most of my shopping at Aldi, Lidl and Iceland. I would give Aldi a try. You would probably save a lot of money and if you don't like it you can always go back to Mr S,
    • girlatplay
    • By girlatplay 10th May 17, 4:38 PM
    • 2,456 Posts
    • 14,542 Thanks
    girlatplay
    Hi HI (I had a wee chuckle to myself at that)


    Just popping my head in to give you a cheer on.


    My sister used to shop at Mr S and she wouldn't be talked out of it. I do think it was a lot to do with convenience (she lived next door to one). Now she is married with a wee baby and they live in a completely different area. I could never get her into Aldi, now I can't get her out! In fact, she keeps telling me how great it is...err...I've been telling you that for years luv! Like Toni'sfriend says, if you don't like it you can go back to Mr S. Totally worth a shot or two though
    Loan (£20k) current balance: -£770
    IO Mortgage current balance: -£89,660

    • Hiddenidenity
    • By Hiddenidenity 10th May 17, 6:50 PM
    • 5,314 Posts
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    Hiddenidenity
    Hi HI (I had a wee chuckle to myself at that)


    Just popping my head in to give you a cheer on.


    My sister used to shop at Mr S and she wouldn't be talked out of it. I do think it was a lot to do with convenience (she lived next door to one). Now she is married with a wee baby and they live in a completely different area. I could never get her into Aldi, now I can't get her out! In fact, she keeps telling me how great it is...err...I've been telling you that for years luv! Like Toni'sfriend says, if you don't like it you can go back to Mr S. Totally worth a shot or two though
    Originally posted by girlatplay
    Thank you for popping in

    I spoke to OH we are going to try Aldi this week, the bigger 2 kids are staying at my mums Friday night so this made the decision easier

    I'm going to finish writing my list and other than a couple of things it seems we can get everything from Aldi and even the couple of bits from a discount shop on the same retail park. Definitely worth a try. We aren't fussy with brands etc so hopefully it's a success.

    I find Mr S expensive but unfortunately the only one that delivers to us. We aren't on satnav systems so most places don't recognise our address! Pain!
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 10th May 17, 6:55 PM
    • 5,314 Posts
    • 26,055 Thanks
    Hiddenidenity
    6 items listed on Ebay, we really don't have much else to list. We don't have many 'things' I know quite unbelievable with small ones but it's true. We moved here with nothing but the clothes we where wearing and haven't even got our basics sorted yet.

    Speaking of clothes middle one needs some leggings/skirts. Hers have been passed down to youngest who should be able to manage with what she has. Fingers crossed!

    Also need to start a 'pot' for uniform as it's changing colours at the end of this school year so whole new sets needed for September term including p.e kit tha's got a logo
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplemumof2
    • By Purplemumof2 10th May 17, 9:50 PM
    • 5,354 Posts
    • 18,300 Thanks
    Purplemumof2
    Also need to start a 'pot' for uniform as it's changing colours at the end of this school year so whole new sets needed for September term including p.e kit tha's got a logo
    Originally posted by Hiddenidenity
    That drives me mad. DS's old school changed colours every two years. The other local high school changed every year! I'm sure some schools think parents have an endless supply of money
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • tori.k
    • By tori.k 10th May 17, 10:59 PM
    • 2,895 Posts
    • 6,514 Thanks
    tori.k
    School uniform was always a bugbearer of mine could spend more a year on logo uniform that then all the clothes needed for the rest of the year. A tiny saving I could see in your SOA is maybe consider ditching the TV ( hear me out I know it sounds like insanity when you have 3 kids) but netflix does not currently require a TV licence and cost £7.50PM so would save you £50 a year maybe worth considering.
    Debit to Credit (stage 1) 3652.34 completed 15/10/16
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