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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 365Posts
    • 1,354Thanks
    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 16
    • UncannyScot
    • By UncannyScot 16th Jul 17, 7:57 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    The Date n Walnut is in the oven
    about 10 mins to prep...
    Approx. 1.5 hrs to bake...
    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 16th Jul 17, 8:02 PM
    • 3,726 Posts
    • 14,818 Thanks
    Hiddenidenity
    We are all on our way to yours, so you can share

    DFW £718.71/£7348.71
    Rent Arrears £331.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.50 + £25 Cash + £40 Amazon
    • UncannyScot
    • By UncannyScot 16th Jul 17, 8:03 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    Nae bother, I'll pop t' kettle on then
    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 16th Jul 17, 8:20 PM
    • 4,019 Posts
    • 20,993 Thanks
    Sun Addict
    Those scones look yummy. Can't wait to cook again when my new kitchen is done, my baking skills leave a lot to be desired so doubt I'll be tackling cakes though.
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • parsniphead
    • By parsniphead 16th Jul 17, 8:38 PM
    • 1,980 Posts
    • 12,669 Thanks
    parsniphead
    I'm moving in next door to you. Yummy. Econes with jam and clotted cream.

    You may need to take up another hobby with all those cakes to work them off.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • UncannyScot
    • By UncannyScot 16th Jul 17, 8:45 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    I have a cunning plan
    I am taking up cycling and going to the gym more often to offset the baking intake...
    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 16th Jul 17, 9:00 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    Happy days
    The new Doctor Who is the lovely Jodie Whittaker YAY
    This is not sarcasm btw genuinely happy to see a woman Doctor
    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 16th Jul 17, 10:11 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    Ok here are the photos of the Date and Walnut Loaf...
    292 by Uncanny Scot, on Flickr
    294 by Uncanny Scot, on Flickr
    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 18th Jul 17, 1:00 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    Busy, Busy....
    Hi Folks,

    sorry, I've been a wee bit busy.

    I am trying to fix-up a bike for getting about with and it is taking a bit longer than I thought it would...

    Good thing about it is it will save me money and help me stay fit and lean...
    Hopefully, normal service will resume soon
    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.
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 4:40 PM
    • 4,704 Posts
    • 15,044 Thanks
    Purplemumof2
    Ok here are the photos of the Date and Walnut Loaf...
    292 by Uncanny Scot, on Flickr
    294 by Uncanny Scot, on Flickr
    Originally posted by UncannyScot


    That looks yummy!!! Any left?
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • UncannyScot
    • By UncannyScot 18th Jul 17, 6:02 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    Mhhhhmffff-mmmmmhhmmmm...

    ahem.... erm... left? erm...

    I could maybe make some more...
    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 18th Jul 17, 6:33 PM
    • 3,726 Posts
    • 14,818 Thanks
    Hiddenidenity
    It tastes as good as it looks then

    Hope you've had a good day x

    DFW £718.71/£7348.71
    Rent Arrears £331.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.50 + £25 Cash + £40 Amazon
    • UncannyScot
    • By UncannyScot 18th Jul 17, 6:36 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    Thanks missus
    Hope you and the wee yins have had a good one too (((((HUGS)))))

    Just catching up while eating my tea.
    Have a bike to re-build afterwards...
    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 18th Jul 17, 6:44 PM
    • 3,726 Posts
    • 14,818 Thanks
    Hiddenidenity
    Meh. Kids always have a good day Something to be greatful for I guess. I'm going to trundle off to feel sorry for myself

    Building a bike sounds like my kind of fun! x

    DFW £718.71/£7348.71
    Rent Arrears £331.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.50 + £25 Cash + £40 Amazon
    • UncannyScot
    • By UncannyScot 18th Jul 17, 6:49 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    Meh. Kids always have a good day Something to be greatful for I guess. I'm going to trundle off to feel sorry for myself

    Building a bike sounds like my kind of fun! x
    Originally posted by Hiddenidenity
    *Hands spanner - tighten that bolt for me then, would you?
    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 18th Jul 17, 7:27 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    ...these gears are a bleedin nightmare to adjust...
    The bottom bracket needs adjusting or replacing...
    Hydraulics for brakes... buggrit... how do I do these? Will need a bike mechanic to sort THAT out...

    Right... time out...

    Tea n scones time
    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.
    • In_Debt_Bet
    • By In_Debt_Bet 18th Jul 17, 7:53 PM
    • 176 Posts
    • 528 Thanks
    In_Debt_Bet
    Wow I'm very impressed by your baking, those scones look delicious :-)
    Worrying won't stop bad stuff from happening, it just stops you from enjoying the good.
    • UncannyScot
    • By UncannyScot 18th Jul 17, 8:08 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    Thanks In_Debt_Bet
    Haven't seen you on forum before, so welcome to my corner

    Just had a few with a cuppa...

    Have finished putting the bike together again, a few jobs for my friendly local bike shop mechanic though as I have neither the tools nor the expertise to tackle them... Hydraulic bloody brakes!!!
    Still, she's a beaut and some TLC will get her back out on the trails again.
    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 18th Jul 17, 8:57 PM
    • 4,019 Posts
    • 20,993 Thanks
    Sun Addict
    From baking to biking in a blink of the eye

    Hope the bike is on the road soon and you can cycle off the scones
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • UncannyScot
    • By UncannyScot 18th Jul 17, 9:00 PM
    • 365 Posts
    • 1,354 Thanks
    UncannyScot
    From baking to biking in a blink of the eye

    Hope the bike is on the road soon and you can cycle off the scones
    Originally posted by Sun Addict
    ... and the Date n Walnut loaf, it's lovely, like my Grans (not as good though...) used her recipe of course... thanks Gran

    All going well should be back in the saddle by this time next week...
    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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