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  • FIRST POST
    • Bipolar_debt
    • By Bipolar_debt 17th Sep 16, 2:05 PM
    • 31Posts
    • 35Thanks
    Bipolar_debt
    Starting again....again
    • #1
    • 17th Sep 16, 2:05 PM
    Starting again....again 17th Sep 16 at 2:05 PM
    After a major issue with my car and the roof needing repairs I am back to before square one and fuming I had to take out three loans from friends to sort out the issues

    I now stand a this:
    Friend one £767.50
    Friend two £577.21
    Friend three £219.00
    Over draft £2000.00
    Mum £8,656.00
    CCS £210.00
    DWP £2,187.12

    Total £14,616.83

    The other news is I have been really ill and as I was agency I lost my job but I will be starting a new one the week after next.

    Right now I am in a bit of a mess I have snowballed all my debt and should be clear by December 2017, I am going to start selling things on FB and ebay to get some extra cash but this will be spent on a few luxuries as I am throwing absolute maximum at my debts.

    I have enough food in the freezer for 6 weeks of dinners so the food bill will be very low until my freezer is empty unless I find any really cheap bargains and I can fit it in the freezer.

    All three of my friends will be paid by January and thank god they could help me.
    I am going to get into reading again I am part way through Cathy Glass Please Don't Take My Baby it's very sad but also very addictive.

    Menu this week until Tuesday as it's food shopping day:
    Today HM pizza and salad
    Sunday at a wedding
    Monday jacket potato with pulled pork, cottage cheese and salad
    Tuesday mushroom bourguignon

    Feels like so much on my plate but I am going to take one day at a time.
    Last edited by Bipolar_debt; 18-09-2016 at 9:31 PM.
Page 2
    • monz
    • By monz 27th Sep 16, 12:57 PM
    • 1,942 Posts
    • 4,086 Thanks
    monz
    you can do it x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • Thistle-down
    • By Thistle-down 27th Sep 16, 12:58 PM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    you are doing so well!
    • Bipolar_debt
    • By Bipolar_debt 27th Sep 16, 1:07 PM
    • 31 Posts
    • 35 Thanks
    Bipolar_debt
    Hi both and thank you

    I just found a facebook page feed yourself for £1 a day some really cheap meal ideas I don't think I will ever get my bill down to £1 a day but I have found them to be really helpful I am going to keep looking on there for ideas to cut my bill down
    Total £16,582.43 left £0 Debt Free 7/12/16
    Deposit fund £0/£10,000
    • Bipolar_debt
    • By Bipolar_debt 28th Sep 16, 3:58 PM
    • 31 Posts
    • 35 Thanks
    Bipolar_debt
    I had some fab news I'm moving departments at work and I have had a pay rise of £2,000 a year I thought I had messed up the interview on Monday night I was so nervous but no I got it, my plan is to put it away in a savings account so that I can use it for a holiday, I have been thinking and I can't begrudge me and DD a nice holiday and it will give us something to look forward to in amongst all the debt busting.

    I'm off to celebrate with a coffee and a film on Netflix, (see I know how to live DFW style)
    Total £16,582.43 left £0 Debt Free 7/12/16
    Deposit fund £0/£10,000
    • Thistle-down
    • By Thistle-down 29th Sep 16, 9:10 AM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    That's brilliant news - well done you!!!

    Do you have any ideas on where you'd like to go?
    • Bipolar_debt
    • By Bipolar_debt 29th Sep 16, 9:12 AM
    • 31 Posts
    • 35 Thanks
    Bipolar_debt
    Not really at the moment Thistle but somewhere hot and not too expensive my daughter wants o go to spain so we might go there for a couple of weeks hope everything with you is good
    Total £16,582.43 left £0 Debt Free 7/12/16
    Deposit fund £0/£10,000
    • monz
    • By monz 29th Sep 16, 11:00 AM
    • 1,942 Posts
    • 4,086 Thanks
    monz
    Thats fantastic news and well deserved!! xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • Bipolar_debt
    • By Bipolar_debt 29th Sep 16, 3:26 PM
    • 31 Posts
    • 35 Thanks
    Bipolar_debt
    A NSD today just sorted out the cupboard under the sink and I need to STOP buying air freshener I have 8 cans I have enough for the next year now the problem is I have no idea how the heck I have ended up with this many. I also have 22 of the refills for the plug in air freshener again no idea how. My house will never smell funny again (not that it does well maybe a bit of dog)

    I am going to slowly do a cupboard a day as I hate sorting cupboards but I realise this is a job that does need to be done I just get really bored but I do love it when I can see everything in them.

    I am getting stuff ready for ebay, theres about 8 things at the moment once I have about 15 I will slam the lot on and do a mass listing session.

    DD isn't very well today and been sick and sleeping so trying to find quiet jobs as she is so tired,

    The other news it I have lost 6lb in the last week, I really need to lose about 4 stone and I am trying really hard to eat healthy and stay on budget too. I've been eating loads of veg and fruit and it's slowly coming back off (except I can't work out where I've lost it) I need to take to Bear (my border collies nickname) for a walk later might go down the river as the weather is so nice.

    Right off to sort some bits out then walk time
    Total £16,582.43 left £0 Debt Free 7/12/16
    Deposit fund £0/£10,000
    • Thistle-down
    • By Thistle-down 29th Sep 16, 3:42 PM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    Excellent about the weight loss! I need more fruit and veg in my diet...

    I found 12 cans of body spray in my son's room after he left for uni. He kept taking them out of the bathroom and my husband would complain that there wasn't any left. Hopefully I won't need to buy any more for quite some time!

    I hope your daughter feels better soon.
    • monz
    • By monz 30th Sep 16, 11:03 AM
    • 1,942 Posts
    • 4,086 Thanks
    monz
    How is your daughter today x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • Bipolar_debt
    • By Bipolar_debt 30th Sep 16, 6:57 PM
    • 31 Posts
    • 35 Thanks
    Bipolar_debt
    She's a lot better thank you Monz but due to the 48 hour rule she can't go back to school until Monday so has been driving me mad again lol

    I know how you feel thistle, at least you had a reason but I think mine is just a hording issue

    Had another NSD watched The Great Gatsby from my DVD collection and ate popcorn with DD. Cleared out my tins in the kitchen and threw any that were rutting and old, so just got what I need now. I baked a banana loaf from some bananas that were all black so snacks are all sorted for the week. Tomorrow DD wants to go shopping so I am leaving my purse at home else I will end up going in the pound shop and buying rubbish I don't need.

    Off to watch the soaps and snuggle in my blanket as iut's really cold tonight and the heating is NOT going on
    Total £16,582.43 left £0 Debt Free 7/12/16
    Deposit fund £0/£10,000
    • Bipolar_debt
    • By Bipolar_debt 1st Oct 16, 1:12 PM
    • 31 Posts
    • 35 Thanks
    Bipolar_debt
    Sold my car today so the money has been paid straight to my mum so now stands at:

    Friend one £767.50 left £614.00
    Friend two £577.21 £381.49
    Friend three £408.00
    Credit card £976.80
    Over draft £2000.00
    Mum £9,456.00 £8,115.00
    CCS £210.00 £190
    DWP £2,187.12 £2,148.56

    Total £16,582.43 left £14,833.85
    Total £16,582.43 left £0 Debt Free 7/12/16
    Deposit fund £0/£10,000
    • NeverUnderestimate
    • By NeverUnderestimate 1st Oct 16, 1:32 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    Hi!

    I've been ready through your diary and sounds like you've made a fantastic dent to your debts!!

    I can relate to how hard it can be sometimes in relation to MH issues, its truly a bummer but it is surprising how many people do suffer from these.

    I hope your daughter feels better soon.

    Carry on what youre doing, I look forward to seeing further updates
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • Thistle-down
    • By Thistle-down 1st Oct 16, 1:40 PM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    Nice about the car - I love getting big chunks of money! Well any money at all really...
    • Bipolar_debt
    • By Bipolar_debt 2nd Oct 16, 3:49 PM
    • 31 Posts
    • 35 Thanks
    Bipolar_debt
    Hi never under and DD is loads better now she gets ill a lot as she has a low immune system, but she's all better thank god.

    I love it too thistle a nice chunk paid off my debt

    Today I went to Tesco and got a huge lamb breast roll for £2 which will do us three meals as I don't eat a lot of meat but lots of vegetables, I also picked up a huge water melon for 90p, a whole cauliflower for 50p and 5 muller light yogurts for 30p.

    Dinner is in the oven and making me hungry I hate waiting for roast dinners as it always lovely way before it's done lol.

    I also went to the market yesterday and I got three full bags of cereal and snacks for £9.10 also got a load of Maggi cook bags for 20p I always stock up on those when I go into town as I use them a lot. Well off to make a cake for pudding and wait (not so patiently) for my roast
    Total £16,582.43 left £0 Debt Free 7/12/16
    Deposit fund £0/£10,000
    • Bipolar_debt
    • By Bipolar_debt 4th Oct 16, 10:35 AM
    • 31 Posts
    • 35 Thanks
    Bipolar_debt
    Yesterday was a spendy day, mums in the hospital with her cancer and we suspect she won't be with us for much longer,I have been called in today to discuss her care plan which I am not looking forward to at all, she doesn't want to know how far or how long she has left. I have been left in charge of discussing everything on her behalf, we went ot see her yesterday and junk food was very much needed so we had mcdonalds and lots of just utter rubbish food, made me feel a little better but now I am in charge of mums affairs and her medical stuff, it's a scary idea. My step dad has never been good with any of these things. She is having a kitchen fitted so I sorted out all the chqs for the builders etc yesterday.

    Well off I goto sort her hospital plans
    Total £16,582.43 left £0 Debt Free 7/12/16
    Deposit fund £0/£10,000
    • Thistle-down
    • By Thistle-down 9th Oct 16, 11:46 AM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    I am just catching up on here and am so sorry to read your mum. It must be hard to be responsible for her affairs. Dealing with everyday life with that going on in the background isn't fun.

    I hope you are doing ok.
    • Thistle-down
    • By Thistle-down 19th Oct 16, 12:54 PM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    I really hope things are ok, BD. Give us an update when you feel able xx
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