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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 899Posts
    • 5,232Thanks
    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 48
    • UncannyScot
    • By UncannyScot 2nd Dec 17, 9:29 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Rock n Roll lifestyle here...

    Peeling labels off empty homebrew bottles...

    ho hum lol

    First one to mention sexual frustration is right off the Christmas card list, alright?
    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.
    • WannabeFree
    • By WannabeFree 2nd Dec 17, 10:04 PM
    • 453 Posts
    • 3,092 Thanks
    WannabeFree
    Rock n Roll lifestyle here...

    Peeling labels off empty homebrew bottles...

    ho hum lol

    First one to mention sexual frustration is right off the Christmas card list, alright?
    Originally posted by UncannyScot
    How many empty bottles?

    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 2nd Dec 17, 10:07 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Erm... *counts*
    ahem... 45 bottles...

    I didn't drink all of them myself btw
    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.
    • WannabeFree
    • By WannabeFree 2nd Dec 17, 10:08 PM
    • 453 Posts
    • 3,092 Thanks
    WannabeFree
    Erm... *counts*
    ahem... 45 bottles...

    I didn't drink all of them myself btw
    Originally posted by UncannyScot
    Yeah I think my idea is definitely the best!

    Not by yourself ... I believe ya most wouldn't
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 2nd Dec 17, 10:10 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    My mates helped to drink them... didn't help to take the !!!!in labels off 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.
    • WannabeFree
    • By WannabeFree 2nd Dec 17, 10:12 PM
    • 453 Posts
    • 3,092 Thanks
    WannabeFree
    My mates helped to drink them... didn't help to take the !!!!in labels off though
    Originally posted by UncannyScot
    There's an idea for next time then!

    If ya drink it you clean it
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 2nd Dec 17, 10:16 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    But then the lazy bug gers wouldn't drink any... oh, I see what you did there... nice one
    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 3rd Dec 17, 4:54 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Hiya Folks

    The tree and the decs are up and it looks very Chrismassy here at Uncanny House


    Hope you've all had good days today
    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.
    • WannabeFree
    • By WannabeFree 3rd Dec 17, 7:30 PM
    • 453 Posts
    • 3,092 Thanks
    WannabeFree
    Ugh, Christmas is infecting everyone

    Did you do the baking? And did you get the labels off? x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 3rd Dec 17, 7:41 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Haven't baked the mince pies yet but I have prepared the mincemeat and yes, I did get all those labels off
    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 Dec 17, 8:27 PM
    • 4,761 Posts
    • 28,376 Thanks
    Sun Addict
    Good to hear all your bottles are now label free and ready for the next batch of brew

    Glad the Christmas spirit has well and truly arrived at the Uncanny house
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • UncannyScot
    • By UncannyScot 4th Dec 17, 8:44 AM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Morning

    A day off here today.
    Combination of a doctor's appointment (my annual MoT, as it where) and my council tenancy Gas safety check on the flat. In fact the engineer has just arrived and is admiring my brewery set-up...

    Be back soonish with an update...
    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 4th Dec 17, 9:27 AM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Ok all done with the Gas Safety Check and a wee blether about homebrew.
    The engineer "used to do it years ago", I have a feeling he'll be taking it up again, as he was really interested in where I got my stuff from and what the costs were and what's available these days etc.

    So, for rest of today, I have my annual health MoT at 11.20 and then the rest of day is mine

    Hoping you all have great days wherever you are and whatever you're doing
    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.
    • WannabeFree
    • By WannabeFree 4th Dec 17, 9:34 AM
    • 453 Posts
    • 3,092 Thanks
    WannabeFree
    Hope you're MoT goes well

    Have a lovely day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 4th Dec 17, 12:39 PM
    • 49,085 Posts
    • 182,346 Thanks
    beanielou
    Hope MoT goes well.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Drawingaline
    • By Drawingaline 4th Dec 17, 5:12 PM
    • 215 Posts
    • 849 Thanks
    Drawingaline
    Hi US, just read through your diary, what a year!

    Loving your homebrew set up. My dad used to do cider years and years ago, and my grandad was one for doing dandelion wine, which put me off home made wine for life, it was like paint stripper

    Shame I don't like ale it I might be tempted to give it a go.......
    • UncannyScot
    • By UncannyScot 4th Dec 17, 5:52 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Thanks for visiting Drawingaline
    There are many types and flavours of ales and beers and I'm sure there are a few that you would like
    I'm on a few Homebrew forums and it would surprise you the variety that exists, like everything else related to food and drink it is all about taste, flavour and finding yours...
    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 4th Dec 17, 5:57 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    My Health Check (personal MoT ) went well today and everything seems to be under control, no major concerns...

    Bought some nice new cushions and covers for living room from Wilko today and all is cosy or Hygge as folks seem to saying these days (we really do need an eye rolly smilie lol )

    Hope everyone has had good days today
    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.
    • WannabeFree
    • By WannabeFree 4th Dec 17, 6:29 PM
    • 453 Posts
    • 3,092 Thanks
    WannabeFree
    I want cushions! I was going to ask where you been shopping Glad I read here.

    Glad appointment went well too x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 4th Dec 17, 7:29 PM
    • 49,085 Posts
    • 182,346 Thanks
    beanielou
    The rolls eye smillie was removed a few years ago after it was misused.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
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