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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
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    • 18,298Thanks
    Hiddenidenity
    When things hit rock bottom the only answer is to fight the way back up...
    • #1
    • 9th May 17, 12:47 PM
    When things hit rock bottom the only answer is to fight the way back up... 9th May 17 at 12:47 PM
    I'm back again, worse than ever to be honest. Things all hit a head in March and along with help being needed in other areas than financial I realised that the money side of things are a big issue in fixing things elsewhere.

    Although not posting I have been reading the diaries I have followed, so many who helped along when I first started are happily debt free now. I want to join them one day, both in being debt free and in happiness.

    Our finances on paper while tight look okay. However we both smoke and my OH is not very responsible. At all. I fell into a gambling issue which I've sought help for and not a penny has gone on gambling since March.

    Our household is me (Not working, our youngest has complicated health issues), My OH he works full time with over time, and 3 delightful children

    I will make a seperate post for my debts/goals and then one with our SOA when I've completed it.

    Hope I can stay around to sort myself, the debt and the happiness thing out.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
Page 10
    • Toni'sfriend
    • By Toni'sfriend 16th May 17, 5:35 PM
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    Toni'sfriend
    Yes, You've done what you can for this week and that's been an amazing amount, Just toddle along now for a few days now and see what debt advisers say. EE and everyone else have been amazing at giving you practical advice so listen to what they say. I don't know a lot so can only give a bit of support (I hope).
    Enthusiastic saver is right. Once you feel more in control of your finances your MH will improve although still a way to go, I suspect. Any movement on that appointment?
    NSD 10/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • Hiddenidenity
    • By Hiddenidenity 16th May 17, 6:38 PM
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    Hiddenidenity
    The advice and support has been brilliant on here. Thank you all so much.

    Yeah it's all 0% because of the type of debts so I guess that's one thing

    No more debt payments today. I'll wait until the PayPal withdrawal is done and in my account. One item is being collected for £12.50 so I'll pay the £10 to the TV license I think although he hasn't shown yet so no idea when

    No appointment yet. They did say the waiting lists are huge.
    Last edited by Hiddenidenity; 16-05-2017 at 6:50 PM.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Toni'sfriend
    • By Toni'sfriend 16th May 17, 7:07 PM
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    Toni'sfriend
    Unfortunately this seems to be the case with MH appointments. I worked in the health sector for the last 15 years of my working life so keep on phoning them and enlist the help of your GP so your appointment doesn't fall through the cracks. You'd be surprised how often it happens, No criticism intended but they are very overworked and things do go wrong.
    NSD 10/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • Hiddenidenity
    • By Hiddenidenity 16th May 17, 7:26 PM
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    Hiddenidenity
    Unfortunately this seems to be the case with MH appointments. I worked in the health sector for the last 15 years of my working life so keep on phoning them and enlist the help of your GP so your appointment doesn't fall through the cracks. You'd be surprised how often it happens, No criticism intended but they are very overworked and things do go wrong.
    Originally posted by Toni'sfriend
    Definitely are over stretched and under funded

    It has been passed over to 1point now so at least I know I should hear from them soon.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 16th May 17, 7:27 PM
    • 4,485 Posts
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    Hiddenidenity
    All parcels sent so hopefully the £40 on hold will be released soon. I've added the tracking numbers on both eBay and PayPal.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 7:46 AM
    • 4,485 Posts
    • 18,298 Thanks
    Hiddenidenity
    Morning again already.

    Not much planned for today, going to try and get my chores done so I can squeeze a nap in. Youngest was worse than having a newborn last night and she's definitely reminded me I never want another newborn

    Dinner is something with mince because I have some needing used and something that will look after itself in the slow cooker.

    Need to call v1rgin because the box isn't coming on this is the third time in 6 months we've had no service because of a broken box
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 9:16 AM
    • 4,485 Posts
    • 18,298 Thanks
    Hiddenidenity
    Things to catch up on to make above work.

    TV license £24 £10
    Mum £50
    Council tax £59 (£5 paid)
    Small Fine £105

    Debt 16/5/17

    Council Tax £2092.71 £2081 (£5 paid)
    Fine 1 £1250
    Fine 2 £200 £90
    Aunt £1000
    Mum £340 + £87 £50
    Step Dad £1000
    Friend £1379

    Total £7348.71 £7195 ( £158.71 paid )


    Rent arrears £3381.28£3380 (£1.38 paid ) wanted to round it down
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 9:18 AM
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    Hiddenidenity
    No more payment's today unless the PayPal hits bank.

    Wage is on his tax account around £240 into bank if he's being honest and has spent £60-70. We'll see
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Toni'sfriend
    • By Toni'sfriend 17th May 17, 9:19 AM
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    Toni'sfriend
    Morning Hidden
    I hate having to phone Virgin, Takes forever to get through and when I do they don't understand my accent (and it's not at all difficult to understand). If it keeps breaking down ask them for a new box (I would suggest a refund for the inconvenience as well but maybe that's taking it too far).
    Sorry about the wee one. Maybe her hospital appointment the other day has unsettled her a bit. Try and get a bit of rest yourself. Nothing worse than going without sleep.
    NSD 10/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • Toni'sfriend
    • By Toni'sfriend 17th May 17, 9:25 AM
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    Toni'sfriend
    What will he have spent that on before it goes in to the bank. I presume he did this before your talk the other day,
    NSD 10/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 9:27 AM
    • 4,485 Posts
    • 18,298 Thanks
    Hiddenidenity
    Morning Hidden
    I hate having to phone Virgin, Takes forever to get through and when I do they don't understand my accent (and it's not at all difficult to understand). If it keeps breaking down ask them for a new box (I would suggest a refund for the inconvenience as well but maybe that's taking it too far).
    Sorry about the wee one. Maybe her hospital appointment the other day has unsettled her a bit. Try and get a bit of rest yourself. Nothing worse than going without sleep.
    Originally posted by Toni'sfriend
    I'm on hold now their customer service is far from the best!

    I have no idea what was wrong with youngest but she was not happy! I gave up at 3am and took her down to the sofa but it didn't make much difference she couldn't even tell me what was wrong. She seems okay this morning
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 9:29 AM
    • 4,485 Posts
    • 18,298 Thanks
    Hiddenidenity
    What will he have spent that on before it goes in to the bank. I presume he did this before your talk the other day,
    Originally posted by Toni'sfriend
    This is the remainder of the 'tools'

    Yeahhe got them all the same week but wages are produced on a Tuesday so it was split over 2 wages
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Toni'sfriend
    • By Toni'sfriend 17th May 17, 9:37 AM
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    Toni'sfriend
    Ah. I see. It has left your budget a little short though. Make sure you make the minimum payments to the debts as soon as you get the money and I'd leave any potential overpayments till next payday (sorry I'm nagging).
    Glad the wee one is a bit better now.
    NSD 10/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 10:15 AM
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    • 18,298 Thanks
    Hiddenidenity
    Yep no over payments now until the eBay money hits my bank or survey money.

    The 1 item being collected wasnt collected last night. He's messaged to ask if he can come tonight. Hopefully he actually turns up tonight!

    V1rgin coming on Friday and we'll be credited on the bill for the days we have no service.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Toni'sfriend
    • By Toni'sfriend 17th May 17, 10:48 AM
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    Toni'sfriend
    That's all good.
    NSD 10/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • Bobarella
    • By Bobarella 17th May 17, 10:53 AM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    Morning again already.

    Not much planned for today, going to try and get my chores done so I can squeeze a nap in. Youngest was worse than having a newborn last night and she's definitely reminded me I never want another newborn

    Dinner is something with mince because I have some needing used and something that will look after itself in the slow cooker.

    Need to call v1rgin because the box isn't coming on this is the third time in 6 months we've had no service because of a broken box
    Originally posted by Hiddenidenity
    Hope you have a good day today.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Purplemumof2
    • By Purplemumof2 17th May 17, 11:15 AM
    • 4,950 Posts
    • 16,049 Thanks
    Purplemumof2
    Yep no over payments now until the eBay money hits my bank or survey money.

    The 1 item being collected wasnt collected last night. He's messaged to ask if he can come tonight. Hopefully he actually turns up tonight!

    V1rgin coming on Friday and we'll be credited on the bill for the days we have no service.
    Originally posted by Hiddenidenity


    Hope your buyer come tonight.


    Yay to Virgin coming and for the credit on your bill.


    Hope you have a better day today xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 12:42 PM
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    • 18,298 Thanks
    Hiddenidenity
    I'm so bored. I hate having nothing to do.

    I'm so tempted to take youngest a walk to L1dl to pick up the milk and pancakes/sausage rolls for the kids school tomorrow.
    Usually OH will pick them up after work if we need bits, maybe I should brave it and see how it goes. Only suggesting L1dl as the closest supermarket and it's the only one before hitting town and it being busy. I can nearly see l1dl from my back garden.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Purplemumof2
    • By Purplemumof2 17th May 17, 12:58 PM
    • 4,950 Posts
    • 16,049 Thanks
    Purplemumof2
    If you feel up to it, then I say go for it! Hope its not raining too much where you are? x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 6:17 PM
    • 4,485 Posts
    • 18,298 Thanks
    Hiddenidenity
    £3.84 spent in L1dl

    The rain did decide to join us on our journey but still we got out the house

    Ebay buyer says he's coming at 8.30 tonight, will use the £12.50 to pay the £10 to TV license and buy some coffee I can't live without my coffee and I can't drink own brand coffee is the only thing that has a 'brand' though

    Just waiting for the uniforms to dry so I can finish my ironing and hopefully have an early night. On the boring wait till payday to make any more payment's, no PayPal funds cleared or hit the bank yet.

    The hoover has finally died. It's been dying for at least 10 months. It was a cheap second hand one over 3 years ago. So now trying to survey so I can get a new one for 'free' with survey payouts and nectar points. £30 at argos (£20 if I use my nectar points)
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
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