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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 711Posts
    • 3,351Thanks
    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 14
    • Hiddenidenity
    • By Hiddenidenity 12th Jul 17, 9:29 PM
    • 5,074 Posts
    • 23,339 Thanks
    Hiddenidenity
    Cheese on toast sounds so good I might have to make that for my own dinner tonight

    Glad you've had a good day
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 13th Jul 17, 8:04 PM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    Ya gotta larf aint ya...
    Evening readers

    Today has been another productive day

    I finally caught the calls I had been missing from creditors asking for updates on my situation.
    A wee tip folks - let them call you, if you call them it will cost you. Found this out with last months mobile bill... £8 more than usual just because I'd followed up on a missed call

    So, everyone updated and all accounts bar one are on hold with no further interest or charges being applied.
    One creditor will not put on hold or stop interest and charges until they have proof of my sequestration... kinda childish and irrelevant really as they will only get what they will be getting and nothing more... this was after they said "we can put everything on hold for 30 days if you can pay us £15 now" and I politely refused... they will now be passing the account to their collections agents in about a weeks time apparently
    This from the same muppets that said that the CAB couldn't help me with my debts

    Now, chilling wi a cuppa and biccies (mmmm custard creams )
    Hope everyone else has had a good day too
    Going to read and have a catch up on what you've all been up to and say hello to any new folks
    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.
    • Hiddenidenity
    • By Hiddenidenity 13th Jul 17, 8:21 PM
    • 5,074 Posts
    • 23,339 Thanks
    Hiddenidenity
    Glad you've had a good day

    Nearly weekend
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 14th Jul 17, 6:40 PM
    • 5,074 Posts
    • 23,339 Thanks
    Hiddenidenity
    Hope all is well, have a lovely weekend
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 14th Jul 17, 8:45 PM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    Thank you missus, same to you and the wee yins
    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 15th Jul 17, 10:55 AM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    Taking up a new hobby... don't laugh...
    Was visiting my wee mammy yesterday and she was telling me she had found my Grans old cook books and baking recipes that my Mam got as a present when she and my Dad got married...
    She said that if she'd had girls herself she would have passed them on to her eldest lassie... tradition and all that... anyway, she asked me if I wanted them...
    I am a good cook myself, according to the folks I've cooked for anyway and I can bake too (used to help my Gran who was an awesome cook and baker when I was a wee lad...) so I thought, why not?
    I love reading how Hiddenidentity, GreyingPilgrim and others turn what they have (leftovers and cupboard ingredients etc) into good meals and tasty treats for them and the wee yins and would love to have a go at this myself
    So, looking for tips here folks, I know the basics of what I need to get a hold of to make this all work but please, please share any tips on must have items for an aspiring cook and baker
    I have a basic electric cooker with a single oven and just the one rack. Would love a gas cooker with a double oven but obviously cannot afford one at the mo... saving, saving
    I shall post up piccies of my creations when I can.
    Having a relaxing morning so far and catching up with folks on here and popping into your diaries to say hi etc
    Have a lovely day folks
    Last edited by UncannyScot; 15-07-2017 at 10:57 AM. Reason: BRAINFART
    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.
    • Hiddenidenity
    • By Hiddenidenity 15th Jul 17, 11:13 AM
    • 5,074 Posts
    • 23,339 Thanks
    Hiddenidenity
    I got a cheap 'stand mixer' with gift vouchers from surveys, it was £30 but I use it for everything! Before this I just used a good old whisk It does make things a lot easier. I'm very basic, I don't follow recipes much and I'm a chuck in what I got and hope its edible No seriously I have my cooker and mixer, value baking tins, a few from amazon with survey vouchers but still the cheapest I could find. My bero book be lost without it for the kids treats.

    Don't be 'scared' to chuck things in and try. Be experimental its fun
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 15th Jul 17, 11:21 AM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    Thanks Hidden

    My Gran was a chuck it in and see what happens baker too, she was awesome We all loved the play n bakes with our Gran
    Gonna scour the charity shops for baking stuff this afternoon, hopefully find a mixer or something in there. Tins, trays n bowls etc too.
    Gonna bake something nice for my tea tonight if I manage to get what I need
    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.
    • Hiddenidenity
    • By Hiddenidenity 15th Jul 17, 11:27 AM
    • 5,074 Posts
    • 23,339 Thanks
    Hiddenidenity
    Not sure where you are but if you have home bargains they regularly have discount baking things/ingredients in. Also Argos Value and supermarket Value are okay. Wilkos have a good cheap range too.

    Have fun x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • parsniphead
    • By parsniphead 15th Jul 17, 11:51 AM
    • 2,222 Posts
    • 14,090 Thanks
    parsniphead
    You daft thing, why would we laugh.

    You could keep an eye out in charity shops for baking tins, etc. Also wilkos have some good basic bits.

    Keep an eye out on free cycle for electrically being given away. Mind you I bet if you told folks you know some folks will have things they want to declutter.

    I'm not much of a baker. I make bread dough in my food processor and it turns out nice. If I do it hand it's a disaster. I do like a nice chuck it in soup though.

    Any samples can also be tested if you want.

    Edited. Say I just spotted your charity shop comment, I missed it before.
    My August to Christmas challenge:.
    Pay off £2500 debt - £1088/2500 43.52%
    Completely declutter the house by Christmas day...all of it.

    Nothing gets better until you get better.
    • UncannyScot
    • By UncannyScot 15th Jul 17, 12:06 PM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    Thanks folks

    Right, I'm popping off for now...
    Will be back later, wish me luck ;D
    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 15th Jul 17, 3:47 PM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    My basic baking kit... so far...
    I'm back

    No luck with a mixer but as my Mam say's "yer Gran didnae huv wan either".

    So, from charity shops and Bargain Buys n Poundland etc.
    2 sponge tins
    1 loaf tin
    2 muffin / cake tins
    1 yorkshires tin
    1 tray
    2 mixing bowls
    sieve / sifter
    whisk (manual)
    measuring cups
    measuring spoons
    and a copy of the gorgeously lovely Nigella Lawsons' Kichen too...
    All for under a tenner
    Is there anything I've missed?

    Just need to get to Aldi's for some ingredients in and I'll be good to go
    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.
    • parsniphead
    • By parsniphead 15th Jul 17, 3:50 PM
    • 2,222 Posts
    • 14,090 Thanks
    parsniphead
    An impressive list.

    Dont forget the library for cook books. Cheaper than buying.
    My August to Christmas challenge:.
    Pay off £2500 debt - £1088/2500 43.52%
    Completely declutter the house by Christmas day...all of it.

    Nothing gets better until you get better.
    • UncannyScot
    • By UncannyScot 15th Jul 17, 5:51 PM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    Right, ingredients list...
    What will I need as cupboard essentials for baking?
    Plain Flour
    Self-Raising flour
    Eggs
    Butter
    Salt
    Lard
    Grease-proof paper
    Baking Paper

    Anything else?

    Oh, and my Mam says I'll need a cooling rack...

    Going to nip out to Aldi in a wee bit so if anyone can add to my list please let me know, cheers
    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.
    • Hiddenidenity
    • By Hiddenidenity 15th Jul 17, 6:12 PM
    • 5,074 Posts
    • 23,339 Thanks
    Hiddenidenity
    Vanilla essence
    Baking powder
    Caster sugar
    Cocoa powder
    Rolling pin maybe?

    I also have cheap raisins/mixed fruit.
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 15th Jul 17, 6:26 PM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    Thanks 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.
    • UncannyScot
    • By UncannyScot 15th Jul 17, 8:11 PM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    Think I have most of the essentials now...
    Tomorrow I will acquire a wee set of kitchen scales and a rolling pin...
    Looking forward to getting started
    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 15th Jul 17, 9:05 PM
    • 4,451 Posts
    • 24,910 Thanks
    Sun Addict
    Sounds good and delicious Can't wait for my kitchen to be finished to start cooking again.
    Virtual Sealed Pot £671.22
    October NSD 6/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • parsniphead
    • By parsniphead 15th Jul 17, 10:27 PM
    • 2,222 Posts
    • 14,090 Thanks
    parsniphead
    Strong bread flour and yeast possibly.
    My August to Christmas challenge:.
    Pay off £2500 debt - £1088/2500 43.52%
    Completely declutter the house by Christmas day...all of it.

    Nothing gets better until you get better.
    • UncannyScot
    • By UncannyScot 15th Jul 17, 11:43 PM
    • 711 Posts
    • 3,351 Thanks
    UncannyScot
    Funnily enough, I am going to make my own bread, without a bread-maker like my gran used to make...
    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.
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