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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 5,318Posts
    • 26,080Thanks
    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 £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
Page 101
    • monz
    • By monz 8th Sep 17, 9:18 AM
    • 2,859 Posts
    • 8,339 Thanks
    monz
    its getting there!!! you are really bursting through that debt!! you should be so proud!!! <3
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • Hiddenidenity
    • By Hiddenidenity 8th Sep 17, 9:21 AM
    • 5,318 Posts
    • 26,080 Thanks
    Hiddenidenity
    September goals

    Money
    £200 to council tax - £160/100
    £120 Groceries - £13/£120
    £100 to other debt £120/£100

    Make £5 a day £150 = £52.99/£150

    List 10 Items on eBay (None listed, 1 Sold)


    Maybe I'll make these a little higher for repayments. Will work it out as no real income now till the 18th October

    No groceries added yet this week and probably won't be now until Monday. I only have child benefit now coming in between now and 18th October, then a date when Tax credits will be in but unknown because I changed to 4 weekly and it hasn't updated yet. So the repayments now will probably slow even more until then
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 8th Sep 17, 9:22 AM
    • 5,318 Posts
    • 26,080 Thanks
    Hiddenidenity
    its getting there!!! you are really bursting through that debt!! you should be so proud!!! <3
    Originally posted by monz
    I'm happy I just crawled into the 8's
    Thank you
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Toni'sfriend
    • By Toni'sfriend 8th Sep 17, 9:39 AM
    • 935 Posts
    • 8,691 Thanks
    Toni'sfriend
    I honestly don't know how you manage it, Hidden. To pay so much off is just amazing. Obviously going to be a bit tight until 18 October but after that you'll sort it all out. Have a great time at the caravan. Hope the weather is good,
    • Hiddenidenity
    • By Hiddenidenity 8th Sep 17, 10:20 AM
    • 5,318 Posts
    • 26,080 Thanks
    Hiddenidenity
    The weather is awful I think we will need boats
    I am all packed and now at work having a cuppa! It was a tight run around!

    I need to pray the beddings dry when I get home then I can remake the beds and leave everything ready for Sunday evening.

    Will need to do a quick turn around of uniforms once the smalls are home why they eat some food before we leave!

    I'm looking forward to 8pm tonight when everything will be done and I'll be sat with a cuppa in the caravan! Raining or not
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Toni'sfriend
    • By Toni'sfriend 8th Sep 17, 10:27 AM
    • 935 Posts
    • 8,691 Thanks
    Toni'sfriend
    Aw never mind the rain. Caravan will be an adventure for the wee ones. How far away is it from where you live?
    • jwil
    • By jwil 8th Sep 17, 3:15 PM
    • 7,736 Posts
    • 21,938 Thanks
    jwil
    Have a lovely weekend Hidden.

    Congrats on the debt repayments and glad the new job is going well xx
    "If you can dream it, you can do it". Walt Disney
    • moneymanager
    • By moneymanager 8th Sep 17, 4:07 PM
    • 361 Posts
    • 1,587 Thanks
    moneymanager
    Hi Hidden, glad you're enjoying work and the wee ones seems to be settling into school. One more payment and fine 2 is gone!

    I thought you were off to the caravan last weekend. There is nothing as nice as sitting in a caravan when its raining. As long as you are away from home, relaxing and enjoying yourselves. xxx
    SPC10 #283 | £2 #58 | 50p #27 | 20p #35
    2018: TESCO CHRISTMAS SAVER: £0/£200 TESCOS VOUCHERS: £0 BONUS: £0 TOTAL £0
    Total Debt: £7,518.20/£857.28 = 100%/11.40%
    Mortgage £61,490.79/£59,836.51 | Car Loan: £9,217.20/4,608.60 50%
    My Money Managing Ways
    • emmie26
    • By emmie26 8th Sep 17, 4:12 PM
    • 491 Posts
    • 1,871 Thanks
    emmie26
    I love being in a caravan, whatever the weather, enjoy the break and a change of routine. Well deserved after your week at work

    Total Debt: £24,359.79 £19,963
    debt reduced by 18%
    Debt free date: May 2019
    • Suffolk lass
    • By Suffolk lass 8th Sep 17, 5:36 PM
    • 1,597 Posts
    • 17,892 Thanks
    Suffolk lass
    Have a great weekend and try to relax a bit. A bit of a chill out for you and the children I hope
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Hiddenidenity
    • By Hiddenidenity 8th Sep 17, 7:24 PM
    • 5,318 Posts
    • 26,080 Thanks
    Hiddenidenity
    Thanks all

    It isn't too far, 30-40 minutes away.

    We are all here and had dinner

    Kids playing cards and dominos and I have a nice cuppa

    Hope everyone has a lovely weekend x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • kirtsypoos
    • By kirtsypoos 8th Sep 17, 7:56 PM
    • 3,045 Posts
    • 13,509 Thanks
    kirtsypoos
    Have a wonderful weekend Hidden
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • Sun Addict
    • By Sun Addict 8th Sep 17, 8:11 PM
    • 4,616 Posts
    • 26,339 Thanks
    Sun Addict
    Enjoy your weekend, you really deserve it after all your hard work xx
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 8th Sep 17, 8:27 PM
    • 5,621 Posts
    • 17,920 Thanks
    mummytogirls
    Doing so well with your debt repayments HI.

    Have a great weekend xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Doobop
    • By Doobop 8th Sep 17, 10:20 PM
    • 176 Posts
    • 1,602 Thanks
    Doobop
    Have a great break away. My family used to go away in a caravan every year, the day I remember best is playing board games because it was such horrible weather, it was great! We probably had more exciting things planned which the weather meant we couldn't do but it was great,!
    • Purplemumof2
    • By Purplemumof2 9th Sep 17, 7:14 AM
    • 5,354 Posts
    • 18,301 Thanks
    Purplemumof2
    Hi HI,

    Debts are going the right way, well done

    Enjoy your weekend in the caravan and I hope the weather stays dry for you x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • Honeysucklelou2
    • By Honeysucklelou2 9th Sep 17, 7:55 AM
    • 512 Posts
    • 1,735 Thanks
    Honeysucklelou2
    Well done on the repayments. Those figures are coming down and so close to paying off the 2nd fine.

    Have a great weekend.
    paydbx #90 £475/£10,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • Helenparton2
    • By Helenparton2 9th Sep 17, 8:10 AM
    • 1 Posts
    • 11 Thanks
    Helenparton2
    Hi. My partner left me two years ago and I struggled to get hold of the money situation. Read Help I'm a Single Mum by Lanie Mills, it's got easy to follow financial help and it's not a long boring read. It's for single parents but the ideas anyone can use. Hope it helps.
    • abba1772
    • By abba1772 9th Sep 17, 7:34 PM
    • 3,970 Posts
    • 11,843 Thanks
    abba1772
    Have a fab weekend hidden xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4792.52
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £6028.69 / £6000
    • Hiddenidenity
    • By Hiddenidenity 10th Sep 17, 5:52 PM
    • 5,318 Posts
    • 26,080 Thanks
    Hiddenidenity
    Thank you

    We had an amazing weekend!

    Spent Fri night playing cards and dominos and generally just laughing. Youngest always has to win (even if she isn't playing ) and DS is the king of being a cheat

    Sat morning we spent on site, soft play/arcades etc as the rain was really bad! We went back to the caravan for lunch and playing board games while I decided if we'd brave going into Blackpool for the lights. Around 3pm it dried up so we braved it and it was an amazing night. It wasn't cold and didn't rain at all! We ended up staying out way past bedtime (it was around midnight when we landed back at site) It wasn't a NSD we spent around £20 in Blackpool and the change in my purse was spent on site. Totally worth every penny and I wish we could do it every weekend.

    The kids have said how brilliant it's been, they got on really well, no being told off and no shouting. I feel so happy with how it went. I was really worried I wouldn't manage (Last year I cried because my anxiety just wouldnt let me go to the lights etc)

    Anyway we are home, kids are eating then going in the bath. We all need an early night ready for the week ahead. Makes me so glad I got the house work done on Friday!

    Counting down the days to half term when we can go back

    Hope everyone is well x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

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