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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 822Posts
    • 4,142Thanks
    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 2
    • UncannyScot
    • By UncannyScot 23rd Apr 17, 11:04 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    Friend has suggested that I get a cat... a wee fur baby, she said...

    I love cats and my friend has four of them which I adore and they love me too... I think... well as much as cats can love anyone... I feed them sometimes, so, I suppose I'm like, tolerated...

    I'm not sure though... I live in a flat and wouldn't be able to let it out, not fair on the cat...

    I've had several cats myself over the years and they've all been able to come and go.
    My favorite was my old tabby called Cheeky... a hell of a good hunter but he was a big softy with me and was great to have curled up asleep at foot of my bed was I was a lad. He was 16 when he passed, asleep at my feet when I were 19... cried for weeks after, lost my wee pal...

    Have had two others Vic n Bob, yeah after the comedy duo... two brothers from same litter, they were mental... Bob passed first after losing an arguement with a car aged 11 and Vic passed two years after that from a heart condition...

    Not had any others since...

    Arrrrrgggghhhhhhh... would love one but how could I keep them safe here?
    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 23rd Apr 17, 11:33 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    Life Insurance / assurance policies?

    I have none, if I was to shuffle off this mortal coil tonight there would be nothing to cover my funeral costs or leave anything for a will...

    I also have no contents insurance (building insurance covered by local authority)... they have a deal for tenants who pay their rent in advance by DD where you can get contents insurance really cheap and it's good cover too (says my smug friend who is always ahead with her rent...)

    Love her really ;D

    Must look into getting good cover soon as...

    Right, getting off here now before she hits me again

    Guid nite folks
    Last edited by UncannyScot; 23-04-2017 at 11:35 PM.
    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 25th Apr 17, 5:10 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    Quick update - been busy with work so not been on...

    Still being positive and doing my best.
    Will try and get back on again when I cleared my desk...*looks at in tray*
    This may be some time...
    OK, headphones on... tunes on... and here we go...
    Be back soon(ish)... maybe...
    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.
    • Whoknowskt89
    • By Whoknowskt89 25th Apr 17, 5:46 PM
    • 262 Posts
    • 622 Thanks
    Whoknowskt89
    Hi!
    Good luck with your journey!

    On the cat front, they are fantastic for company (I have 4) but what you could do is foster cats for a local charity? They'll generally cover food, litter, vet bills etc but lack on homes for the cats whilst they try to find permanent homes or whilst getting better /over coming issues with people.
    You would get to help a cat or 2 out whilst they improve and move on to their forever home and generally they don't ask for a person to have a garden, just a bit of time to spend and help a cat

    I know of charities here that do it but I'm sure there will be your way too (think smaller than cats protection, one near me is called goldies oldies which specialises in rehoming elderly cats)

    Right, I may now sound like a crazy cat lady but hey!
    August 2017 £9510/£11,150 savings aim for EF and moving (by Jan 2018)
    Mortgage £67 483 Emergency fund £1500 Moving fund £8010 Treats account £648 Doing up flat £1050
    Christmas 2017 £120/£160
    • UncannyScot
    • By UncannyScot 27th Apr 17, 7:49 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    Buggrit...
    This old lappy is dying
    The keyboard isn't working at all now and I have to use the usb one I borrowed... and a mouse too as the touch pad is sometimes working and sometimes not.
    I am hoping the PC I seen in the second-hand shop is still there on Saturday morning...
    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.
    • DaringToDream
    • By DaringToDream 27th Apr 17, 7:55 PM
    • 156 Posts
    • 449 Thanks
    DaringToDream
    Fingers crossed the computer is still there for you!

    Love the idea of fostering cats, and seems a great way of having a pet and some company when you don't have a lot of money or space, plus how rewarding to give them some love when they need it most! Only thing is how do you not get attached, id end up adopting them all!!
    • UncannyScot
    • By UncannyScot 27th Apr 17, 8:42 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    Fingers crossed the computer is still there for you!

    Love the idea of fostering cats, and seems a great way of having a pet and some company when you don't have a lot of money or space, plus how rewarding to give them some love when they need it most! Only thing is how do you not get attached, id end up adopting them all!!
    Originally posted by DaringToDream
    I really hope it is too, thanks

    That is what concerns me about fostering cats... I'd wanna keep them all too...
    However, the idea of giving an old house cat a home does appeal to me, but I would be heartbroken when they passed on...
    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.
    • freshcotton
    • By freshcotton 27th Apr 17, 9:19 PM
    • 222 Posts
    • 565 Thanks
    freshcotton
    Your post about cats are bordering on adorable!

    Ps I think you should get one
    Mortgage Start - August 2013 £145,000 ************ Balance at April 2017 - £59,000

    Target - Overpay by £2,500 each month ************** Mortgage free by December 2018!
    • Sun Addict
    • By Sun Addict 27th Apr 17, 9:49 PM
    • 4,622 Posts
    • 26,373 Thanks
    Sun Addict
    Just read your diary and it's fab how you're sorting yourself out and sounding so positive Many of us here in diary land have so much more going on than just money unfortunately.

    If you really want a cat then a lot of cats would be content being indoor cats. A nice bowl of food and a lap to sit on is all they require. You wouldn't have to worry about them straying or being run over either.

    Good luck on your journey.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • UncannyScot
    • By UncannyScot 27th Apr 17, 10:38 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    Ok...

    I am SERIOUSLY considering getting a house cat... a re-home, a rescue cat that has only ever been a house cat and I am going to call it "YOU" in memory of one of my fave authors fave characters' cat...

    Night folks... thanks for all your support and kind words
    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.
    • Toni'sfriend
    • By Toni'sfriend 28th Apr 17, 9:30 AM
    • 936 Posts
    • 8,712 Thanks
    Toni'sfriend
    We had a cat who was very happy to stay indoors. Always found the sunniest part of the house to lie in. The lady who lives next door to me has an indoor cat as well so I would go for it, Great company. On the subject of contents insurance I have mine with the local authority and it's added on the the fortnightly rent. The cover is good, it's cheap and it doesn't have to be paid in one go. Worth thinking about.
    By the way, you're doing really well/
    • UncannyScot
    • By UncannyScot 28th Apr 17, 10:40 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    Just a quick post before bedtime...

    Really hoping to be able to get the PC that I've had my eye on; going into town tomorrow for the shop opening.

    Been looking at getting a "You"... will updte on progress ;D

    Been in contact with my creditors, so far they have been understanding. Have told them that I am unable to pay, that I have over-extended myself and need to get my finances in order. Explained that I am seeking advice and support (StepChange / CAB). So far, so good...

    I WILL get through this, I will not let this overcome me...

    I must not fear.
    Fear is the mind-killer.
    Fear is the little-death that brings total obliteration.
    I will face my fear.
    I will permit it to pass over me and through me
    And when it has gone past I will turn the inner eye to see its path.
    Where the fear has gone there will be nothing.
    Only I will remain
    - F. Herbert -
    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 29th Apr 17, 7:29 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    I got the PC
    Spent most of today playing... I mean setting it up *ahem

    I've been busy installing all the programmes that I need on to the PC and it is quite an improvement on my old lappy.

    Installed Google Chrome over IE (as you do...)

    Have my spreadsheets and planners all up and running now.

    Well happy with it.
    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 29th Apr 17, 10:40 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    Is it possible to share planners and organisers on the forum?
    I've done some work on spreadsheets (Excel) budget planners and organisers to help myself get things sorted and wondered if it would be possible to share the templates so that other folks could use them.
    I don't want anything for them, if they help someone else to deal with their debt and get debt free that's payment enough for me...
    I'll prepare the templates, should anyone know of a way to share them on here, let me know, thanks
    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 29th Apr 17, 10:47 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    I see there is already a Budget Planner thingy on the site... there appears to be issues with it though
    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.
    • Whoknowskt89
    • By Whoknowskt89 29th Apr 17, 11:42 PM
    • 262 Posts
    • 622 Thanks
    Whoknowskt89
    A few posts have links to Google spreadsheets (like the save 12k in 2017 thread over at the savings board)
    You could always post them up in here and you never know who may be able to help

    Oo shiny new pc! Sounds like you're getting on alright with it and got it working for you with the planning

    Debt wise, you'll get there. There may be bumps, twists and turns but you'll still get there
    August 2017 £9510/£11,150 savings aim for EF and moving (by Jan 2018)
    Mortgage £67 483 Emergency fund £1500 Moving fund £8010 Treats account £648 Doing up flat £1050
    Christmas 2017 £120/£160
    • phizzimum
    • By phizzimum 30th Apr 17, 9:06 AM
    • 1,640 Posts
    • 8,918 Thanks
    phizzimum
    If you're going to get a pet make sure you can budget for insurance or a pet emergency fund. Vet bills can be very expensive and it's heart breaking when people don't have the money to care for a beloved pet properly.
    weaving through the chaos...
    • UncannyScot
    • By UncannyScot 30th Apr 17, 9:45 AM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    A few posts have links to Google spreadsheets (like the save 12k in 2017 thread over at the savings board)
    You could always post them up in here and you never know who may be able to help

    Oo shiny new pc! Sounds like you're getting on alright with it and got it working for you with the planning

    Debt wise, you'll get there. There may be bumps, twists and turns but you'll still get there
    Originally posted by Whoknowskt89
    Thank you

    I'll have a look at that.

    The PC is new-to-me but not new and it is shiny... cos I cleaned the casing
    It's an HP (Compaq) Presario tower, has Windows 7 Home premium, an Intel Dual core Pentium processor and is a not bad home PC.
    I have installed AVG and AVG PC Tune up, Microsoft Office, removed Internet Explorer from default browser and installed Google Chrome (does anyone use IE anymore? Seems to be standard to replace it ASAP lol). I also installed a few other programmes that I need and use regularly.

    Today is a housework day and I'm also going to be putting down new vinyl in the kitchen, well not exactly new it's an offcut from a friend that's big enough for my small kitchen.

    Fur babies! Yes, I am still looking at giving a home to a cat
    I will be taking out Pet Insurance as I know how much it can cost for vet bills and the insurance is always handy to have...

    Right, breakfast and then the chores...
    Catch up again later
    Have a lovely Sunday people
    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.
    • BettyBones
    • By BettyBones 30th Apr 17, 10:17 AM
    • 158 Posts
    • 312 Thanks
    BettyBones
    Hi Uncanny Scot

    Thank for popping by my diary. Feel free to pinch anything you like

    Have just caught up with your diary and you're doing great. Just keep putting one foot in front of the other and take each day as it comes and you'll get to where you want to be in no time.

    Best of luck
    If you can dream it, you can do it - Walt Disney
    • UncannyScot
    • By UncannyScot 30th Apr 17, 4:17 PM
    • 822 Posts
    • 4,142 Thanks
    UncannyScot
    That's the new vinyl down in my wee kitchen...
    Now for a cuppa an a couple of choccy digestives
    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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