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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,734Posts
    • 20,540Thanks
    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 £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
Page 100
    • EssexHebridean
    • By EssexHebridean 6th Sep 17, 10:25 AM
    • 7,735 Posts
    • 40,093 Thanks
    EssexHebridean
    She WILL get past this point and you are doing the right thing by sending her HI - promise!

    Pleased to hear that your first day at work went well too - and god plan to switch the tax credits to 4 weekly if you think this will help you with budgeting too. It's really all coming together isn't it!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • BadBookkeeper
    • By BadBookkeeper 6th Sep 17, 10:38 AM
    • 54 Posts
    • 121 Thanks
    BadBookkeeper
    Soup in the slow cooker - fab idea any lovely recipes to share?


    You are so well organised everything I've read is so positive. Very inspiring
    • Toni'sfriend
    • By Toni'sfriend 6th Sep 17, 1:32 PM
    • 816 Posts
    • 7,284 Thanks
    Toni'sfriend
    She WILL get past this point and you are doing the right thing by sending her HI - promise!
    Yes, she will. My son screamed for the first week but, apparently, as soon as I left him he stopped the noise and ran off to play quite happily with his new friends.
    Glad the job is going well. It will be so good for you in so many ways.
    • Hiddenidenity
    • By Hiddenidenity 6th Sep 17, 7:02 PM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    Soup - chuck all the sorry things lurking in the fridge, cover with stock (or water and a stock cube) and leave on low 6-8 hours. I blend ours a bit so it not totally smooth but gives it enough thickness not to need cream etc. I really don't follow a recipe and just chuck it in, nearly always has a potato in to help with thickness too.

    Youngest did better today, she only cried for around 30 minutes. Then was okay and wasn't crying when she was collected. Makes me feel a whole load better.

    We are home, kids fed and bathed and in bed. Youngest is asleep already! The other's aren't far off.

    Made the leftover bolognaise into chilli so that makes tomorrow easy

    Waiting for the uniforms to dry so can get them ironed.

    Will have to leave hoovering the girls room until morning now so I don't disturb them This doesn't make me feel good!

    Still managed to do my usual stuff though, amazing how much you can fit in to the hour after school run on a morning
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Toni'sfriend
    • By Toni'sfriend 6th Sep 17, 8:15 PM
    • 816 Posts
    • 7,284 Thanks
    Toni'sfriend
    Will have to leave hoovering the girls room until morning now so I don't disturb them This doesn't make me feel good!
    Don't feel bad. If the're asleep that's good and you can always adjust your routine.
    I love making soup and like you I don't use recipes. Just throw in bits and pieces and it turns out great. It's so good for using up bits and bobs of veg and chicken as well.
    How are you doing with the job?
    • Hiddenidenity
    • By Hiddenidenity 6th Sep 17, 8:49 PM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    The job is great

    Think I've finally caught up on my cleaning I swept the girls room

    Now having a cuppa before bed. A hot bath and fresh bed sheetsare definitely calling my name
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Doobop
    • By Doobop 6th Sep 17, 9:42 PM
    • 171 Posts
    • 1,563 Thanks
    Doobop
    Not posted in a while but you are doing fab, fab, fab! Give yourself a break if you don't manage to do all your hard be, the new job sounds quite physically tiring so take it easy.

    Ps remember to tell income support you've started work.
    • Treadingonplaymobil
    • By Treadingonplaymobil 7th Sep 17, 5:14 AM
    • 922 Posts
    • 7,797 Thanks
    Treadingonplaymobil
    Wow, you are powering through everything at the moment, well done! Hope work/school continues to go well.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: £55,011.96/1st May 2025
    • EssexHebridean
    • By EssexHebridean 7th Sep 17, 10:29 AM
    • 7,735 Posts
    • 40,093 Thanks
    EssexHebridean
    Suggestion for now that you're working - set yourself a time limit for the household/cleaning stuff when you get home - and prioritise the stuff that's actually important - washing, washing up, cleaning up actual mess for example. Everything else can wait and nobody will die if a floor's not swept or a window ledge polished - you need to pace yourself a bit and make sure you take some time for you to recharge your batteries as well though otherwise you'll burn out and be struggling with the job which is NOT what you need. How about using Flylady's basic levels as a prompt for the vital stuff, then just dip into the other levels as and when?

    Pleased to hear that youngest is settling now too!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • sauceoclock
    • By sauceoclock 7th Sep 17, 1:58 PM
    • 755 Posts
    • 686 Thanks
    sauceoclock
    I’m a super neat/clean freak and my boyfriend recently moved in which meant mess/clutter and to combat having a complete meltdown about it I now get home and set a 40 minute timer, I make a list of things that need doing in the house and I work through the list as much as I can in the 40 minutes. When the timer goes off it’s time to stop.. Honestly I thought I was a clean freak before but I get so much more done in that 40 minutes every day than I did when I used to clean as and when.
    Loan (overpaying): £3,600 £3,093.60
    Car Insurance: £550.82 £410.82
    Credit Card: £781
    Car PCP: £11,450 £10,665.54
    • emmie26
    • By emmie26 7th Sep 17, 4:24 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    Well done Hidden I'm really happy for you starting your new job. It is a bit of a nightmare fitting everything in but it will make it so much better for you to be in control of your money. I haven't read all the way back as I am at work and so just had a quick read.
    I am trying really hard to start as I mean to go on with this new school term and that means not getting lost in the MSE forums when I should be making sure I am organized at home. Therefore having a quick 10 minute break at work and catching up as best I can.
    Hope all has been well over the last couple of weeks. Your diary moves on so quickly I cant keep up.

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 7th Sep 17, 4:59 PM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    I am trying to keep on top of everything, I really can't rest until its done. It isn't too bad as long as I'm not sat reading on here because 5 minutes turns into 65 minutes

    Kids are just eating chilli for dinner then they can go in the bath.

    We are heading to the caravan tomorrow as soon as I've collected them from school so I have to get sorted for that. It's pretty easy really because I just need to lift the clothes out the cupboard into the suitcase I have my lists ready

    Work was crazy today because of someone kicking off threatening all sorts to the area manager. Crazy. Glad I just keep my head down and not trying to fit in or make friends

    Thank you all for stopping in I love reading the replies x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • redofromstart
    • By redofromstart 7th Sep 17, 5:31 PM
    • 308 Posts
    • 1,344 Thanks
    redofromstart
    Have a lovely break, I bet you are all really ready for it.
    • Hiddenidenity
    • By Hiddenidenity 7th Sep 17, 5:43 PM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    I can't wait haha!

    I'll make sure I get the beds made etc in the time I have from finishing work tomorrow until I collect the kids. So when we come back Sunday evening the kids can have a bath and bed and everything else will be done! Hopefully.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • mummytogirls
    • By mummytogirls 7th Sep 17, 8:52 PM
    • 5,403 Posts
    • 16,461 Thanks
    mummytogirls
    So glad work is going well for you HI.

    Have a lovely weekend xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 7th Sep 17, 11:29 PM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    Thank you x

    Think I've finally caught up on everything needed today.

    Tomorrow will probably be tight. Need to make sure I'm up on my first alarm and make the most of the time in the morning and the hour before the kids finish school. Stress!

    Be worth it tomorrow night when I'm sat in the caravan though.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Honeysucklelou2
    • By Honeysucklelou2 8th Sep 17, 12:55 AM
    • 371 Posts
    • 1,094 Thanks
    Honeysucklelou2
    Have a great time Hidden.
    paydbx #90 £325/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017
    • UncannyScot
    • By UncannyScot 8th Sep 17, 8:23 AM
    • 582 Posts
    • 2,591 Thanks
    UncannyScot
    Have a great time away missus
    (((((HUGS)))))
    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, 9:11 AM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    Debt 08/09/17

    Council Tax £2092.71 £1400 (£20 paid)
    Fine 1 £1250 £1000 (£25 paid)
    Fine 2 £200 £5 (£5 paid)
    Aunt £1000
    Mum £87 +£340 300
    Step Dad £1000
    Friend £1379 £1360

    Total £7348.71 £6065 (£1283.71 paid)


    Rent arrears £3381.28 £2930 (£451.28 paid)

    Debt + Rent £10722.99 £8955 (£1727.99 paid)
    Last edited by Hiddenidenity; 08-09-2017 at 9:19 AM.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 8th Sep 17, 9:17 AM
    • 4,734 Posts
    • 20,540 Thanks
    Hiddenidenity
    Monthly Update
    Monthly Update Month 4
    Council Tax £2092.71 £1400 (£692.72 Paid) £220 Paid this month
    Fine 1 £1250 £1000 (£250 Paid) £125 Paid this month
    Fine 2 £200 £5 (£195 Paid) £25 Paid this month
    Aunt £1000
    Mum £340 + £87 £300 (£127 paid) £40 paid this month
    Step Dad £1000
    Friend £1379 £1360 (£19 paid)

    Total £7348.71 £6065 (£1283.71 Paid) £410 Paid this month

    Rent Arrears £3381.28 £2930 (451.28 paid) £90 Paid this month

    Total £10722.99 £8955 (£1727.99 Paid) £500 paid this month

    I realise this is a day early but nothing will change tonight and I won't be here to do it tomorrow xx
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
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