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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 746Posts
    • 4,490Thanks
    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 27
    • Hiddenidenity
    • By Hiddenidenity 3rd Sep 17, 3:27 PM
    • 4,230 Posts
    • 26,404 Thanks
    Hiddenidenity
    I was think HOW do you still have half a tray of crunch left! That's willpower!

    You're sounding so happy x
    • UncannyScot
    • By UncannyScot 3rd Sep 17, 3:30 PM
    • 746 Posts
    • 4,490 Thanks
    UncannyScot
    Happy that I've caught up with my housework

    That half-tray that's left ain't gonna last long
    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 3rd Sep 17, 4:06 PM
    • 4,575 Posts
    • 26,818 Thanks
    Sun Addict
    What a busy weekend brewing, baking and binge box sets Enjoy your beer and crunch tonight and have a great week.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Toni'sfriend
    • By Toni'sfriend 3rd Sep 17, 4:14 PM
    • 642 Posts
    • 9,050 Thanks
    Toni'sfriend
    I bet your wee mammy is so proud of you. A son who bakes for her and her pals. You'll be the talk of the steamie.
    Uncanny Ale - I love the name. You should patent it.
    • UncannyScot
    • By UncannyScot 3rd Sep 17, 5:34 PM
    • 746 Posts
    • 4,490 Thanks
    UncannyScot
    Thanks folks

    Toni'sfriend - I have, kind of...
    It's the first ale of my wee brewery and home-brewers are very respectful of other folks brewery names and brews so I think it's safe enough for now and yes, I have a good name for my brewery too...

    Aye, my wee mammy and her pals are always asking for me for my baking for the various wee WI and church do's that they are involved with. Which is great for me because it means my baking is both appreciated and going to good causes (some my mams pals are great wee bakers themselves).
    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 3rd Sep 17, 5:45 PM
    • 642 Posts
    • 9,050 Thanks
    Toni'sfriend
    Aye, my wee mammy and her pals are always asking for me for my baking for the various wee WI and church do's that they are involved with. Which is great for me because it means my baking is both appreciated and going to good causes (some my mams pals are great wee bakers themselves).
    I think that is so lovely. You must have a great relationship with your Mam.
    • UncannyScot
    • By UncannyScot 3rd Sep 17, 5:53 PM
    • 746 Posts
    • 4,490 Thanks
    UncannyScot
    Thanks
    Aye, I do... and I am grateful for all she's done for me and put up with over the years
    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 8th Sep 17, 8:00 AM
    • 746 Posts
    • 4,490 Thanks
    UncannyScot
    Been a VERY busy week at work...

    A major transitional audit and other project work has left me with almost zero free time.
    Thankfully all successfully completed now and I'm looking forward to a weekend that is finally my own.
    That means, rest and proper sleep for me

    Doing well with my budgets and have had a few NSD's this week

    Hope everyone is having a good one and hope to catch up with my friends on here later tonight and over the weekend

    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 8th Sep 17, 8:06 AM
    • 4,230 Posts
    • 26,404 Thanks
    Hiddenidenity
    Have a lovely weekend and make sure you get some well deserved rest Mr x
    • Sun Addict
    • By Sun Addict 8th Sep 17, 8:13 PM
    • 4,575 Posts
    • 26,818 Thanks
    Sun Addict
    Thought you'd been quiet, guessed you might be busy with work. Have a fab weekend
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • UncannyScot
    • By UncannyScot 9th Sep 17, 4:56 PM
    • 746 Posts
    • 4,490 Thanks
    UncannyScot
    Back (off) on the road again...
    After a long spell with my local friendly bike mechanic the wee beastie is BACK

    The problem was the bottom bracket had basically fused itself into the frame and would not come off via conventional methods... So we had to get creative and gently persuade it to part company with the frame... Used a wee worn down Dremmel (sp) disc to cut the fastening cup to shape so that an adjustable spanner could get a grip on it... then hammering out the bracket in the end...
    It Worked

    Then we had issues with the brake system
    However, rummaging through the bits box (every decent bike shop should have one) we found a set of compatible HAYES levers (which were also an upgrade of the original ones) and they bunged them on to see if that solved the leaking fluid problems... it did and they gave em me FOC

    They only charged me for the bottom bracket which was/is great and the wee beastie is doing great.

    Tomorrow we'll be going up (and down) the local hills for a good ride.

    Also today... I found in the local charity shops the following;

    A wee bread-maker... until I can get my own bread bake attempts to rise properly thistle do me
    The Walking Dead seasons 1 - 4 boxset
    BOOKS! loads of em...
    Total spend £10 (Budgeted for )

    I am now going to bake some bread and have a cuppa and then catch up with what all you lovely people have been up to

    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 9th Sep 17, 5:28 PM
    • 642 Posts
    • 9,050 Thanks
    Toni'sfriend
    I'd love to be able to bake bread.

    Are you going up and down the Campsies?
    • UncannyScot
    • By UncannyScot 9th Sep 17, 5:54 PM
    • 746 Posts
    • 4,490 Thanks
    UncannyScot
    I want to be able to bake bread without a bread-maker, until then the bread-maker will have to do...

    Planning to do part of the West Highland Way with a mate, if he can borrow his brothers' van to transport the bikes...
    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.
    • helsbell
    • By helsbell 9th Sep 17, 6:35 PM
    • 136 Posts
    • 732 Thanks
    helsbell
    Good to see you back.

    I've just started on season 6 of the Walking Dead. It's a great show.

    Enjoy the bike riding ☺
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • Toni'sfriend
    • By Toni'sfriend 9th Sep 17, 6:47 PM
    • 642 Posts
    • 9,050 Thanks
    Toni'sfriend
    Planning to do part of the West Highland Way with a mate, if he can borrow his brothers' van to transport the bikes
    Aw that's brilliant. Such a beautiful journey. Are you planning all the way to Fort William? Probably have to stay over somewhere?
    • UncannyScot
    • By UncannyScot 9th Sep 17, 7:24 PM
    • 746 Posts
    • 4,490 Thanks
    UncannyScot
    Thanks Toni'sfriend
    We're planning on doing from The Devil's Staircase in Glencoe to Fort William...
    Have to leave early morning. Mate couldn't get van from brother as his brother has insisted on driving us himself
    He's going to drop us off in Glencoe and pick us up at Fort William. He is going to drive around and enjoy the scenery while we are doing the route. There are parts where we will have to carry or push the bikes as we are not like Danny MacAskill...
    It will be hard going but worth it, think its about 30 miles?

    Thanks Helsbell
    I've just started on Season three of Walking Dead. Have already seen the first two seasons as I had borrowed them off a friend. Really enjoying it. I just never managed to catch it on TV before so I'm catching up now. Would like to be up to date for Season 8 starting
    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 9th Sep 17, 10:26 PM
    • 746 Posts
    • 4,490 Thanks
    UncannyScot
    Away to bed now.
    Early rise for a biking adventure
    Will update when I get back
    Have a good one 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.
    • Scott_Weiland
    • By Scott_Weiland 9th Sep 17, 10:38 PM
    • 629 Posts
    • 1,529 Thanks
    Scott_Weiland
    Thanks Toni'sfriend
    We're planning on doing from The Devil's Staircase in Glencoe to Fort William...
    Have to leave early morning. Mate couldn't get van from brother as his brother has insisted on driving us himself
    He's going to drop us off in Glencoe and pick us up at Fort William. He is going to drive around and enjoy the scenery while we are doing the route. There are parts where we will have to carry or push the bikes as we are not like Danny MacAskill...
    It will be hard going but worth it, think its about 30 miles?

    Thanks Helsbell
    I've just started on Season three of Walking Dead. Have already seen the first two seasons as I had borrowed them off a friend. Really enjoying it. I just never managed to catch it on TV before so I'm catching up now. Would like to be up to date for Season 8 starting
    Originally posted by UncannyScot
    Glad you got your bike fixed, sounds a right mess on re the bb i have seen similar happen when seat tubes have fused to frames.

    re Danny MacAskill what he can do with a bike is not human i watch his vids and shout at the tele

    https://youtu.be/K_7k3fnxPq0

    Anyone into cycling or bikes give that a look x
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.10 Survey Earnings YTD £535.12
    • Sun Addict
    • By Sun Addict 10th Sep 17, 7:37 AM
    • 4,575 Posts
    • 26,818 Thanks
    Sun Addict
    Enjoy your bike ride and the fabulous scenery
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Hiddenidenity
    • By Hiddenidenity 10th Sep 17, 5:45 PM
    • 4,230 Posts
    • 26,404 Thanks
    Hiddenidenity
    Hope you've had a wonderful day US x
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