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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,743Posts
    • 20,635Thanks
    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 102
    • redofromstart
    • By redofromstart 10th Sep 17, 7:19 PM
    • 316 Posts
    • 1,367 Thanks
    redofromstart
    We used to go and see the lights when I was little, always a late night but a magical one when you are tiny.

    Sounds like a great weekend.
    • Sun Addict
    • By Sun Addict 10th Sep 17, 7:45 PM
    • 4,246 Posts
    • 23,275 Thanks
    Sun Addict
    Glad you had a lovely time HI. You really deserved the break after everything that's happened and all your hard work. Have a fab week xx
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • UncannyScot
    • By UncannyScot 10th Sep 17, 7:54 PM
    • 600 Posts
    • 2,666 Thanks
    UncannyScot
    So glad you and the wee yins had a great time Hidden
    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.
    • amber03
    • By amber03 10th Sep 17, 9:09 PM
    • 784 Posts
    • 4,563 Thanks
    amber03
    Many years ago we owned a static caravan in wales, every Friday night in season we would go until the Sunday night absolutely loved it and have many happy memories. Due to a large increase in site fees and kids growing up and wanting to go abroad we sold the caravan. Would love to have another one.xx
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £106.25


    WOMBLER 2017 NO. 5 £7.20
    • Sun Addict
    • By Sun Addict 10th Sep 17, 9:21 PM
    • 4,246 Posts
    • 23,275 Thanks
    Sun Addict
    I love caravans. Many happy memories of going to Great Yarmouth every year as a child. Just before Mr SA got ill we went to Hunstanton for the weekend in a caravan. It rained the whole time we were there but it was so cosy.
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • emmie26
    • By emmie26 10th Sep 17, 10:50 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    Wow sounds fab, its good to look back at last year and realise how far you've come. I am in awe that you managed a so long in Blackpool and only spent £20, well done!

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • bubblycrazy
    • By bubblycrazy 10th Sep 17, 10:51 PM
    • 116 Posts
    • 310 Thanks
    bubblycrazy
    You're doing really well! I hope now that you're working you will try to wean yourself off changing the beds every day?

    I'm wanting to open a nationwide flexdirect account and remembered that you bank with them. They are doing a refer a friend offer where both people receive £100 if you would like to send me a referral link?
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049 Aiming for: 2025
    Balance 28/04/2015 £52250
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    • Hiddenidenity
    • By Hiddenidenity 11th Sep 17, 8:15 AM
    • 4,743 Posts
    • 20,635 Thanks
    Hiddenidenity
    Thank you for all the replies x

    Emmie I was horrified at spending £20
    £9 on a bouncy castle
    £8 on light up toys
    And the change went into the arcades

    We walked on the sea side of the road rather than the shops/arcades so it made it easier they where so interested in the lights and then the things you can see out at see etc they where happily distracted not to ask for things. I was very surprised though. I really couldn't believe how well they behaved it makes me nervous taking all 3 to something like that on my own.

    Thank you bubbly I do bank with Nationwide and would love to refer you. Should I pm you? Thank you x

    Hope everyone has a happy (while very wet) Monday. I only have 2 hours at work today because it's relatives funeral.
    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 11th Sep 17, 9:39 AM
    • 816 Posts
    • 7,285 Thanks
    Toni'sfriend
    I'm wanting to open a nationwide flexdirect account and remembered that you bank with them. They are doing a refer a friend offer where both people receive £100 if you would like to send me a referral link?
    What a kind gesture. There really are some very thoughtful people here.
    I'm glad you enjoyed your week end and £20.00 really isn't that much. I think when you're debt busting you get into the habit of questioning every penny you spend. I spent some money last week which wasn't really needed and immediately felt terrible guilt and started thinking what I was going to scrimp on the pay for it! But you and the wee ones need a treat sometimes so don't be too hard on yourself.
    Hope all goes well today.
    • bubblycrazy
    • By bubblycrazy 11th Sep 17, 10:02 AM
    • 116 Posts
    • 310 Thanks
    bubblycrazy
    Yes just send me a pm x
    MFW - Original balance 28/08/2014 £52850
    Original MF date: 2049 Aiming for: 2025
    Balance 28/04/2015 £52250
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    • EssexHebridean
    • By EssexHebridean 11th Sep 17, 10:32 AM
    • 7,774 Posts
    • 40,218 Thanks
    EssexHebridean
    You've come on so far just in the time you've been posting here Hidden - and I don't just mean the debt either! Well done you - life is most definitely heading in the right direction!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • Hiddenidenity
    • By Hiddenidenity 11th Sep 17, 8:53 PM
    • 4,743 Posts
    • 20,635 Thanks
    Hiddenidenity
    Finally home and everything sorted and clean.

    I am SO tired, painfully tired I'm going to crash soon into bed after a shower. Just waiting for the floors to dry so I can polish over before going up to bed.

    I will catch up with everyone x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • emmie26
    • By emmie26 11th Sep 17, 10:00 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    You are so good keeping up with the housework when you are so tired, I try but sometimes end up with loads at the weekend. I think your way would be better. Hope you have a good night sleep x

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Treadingonplaymobil
    • By Treadingonplaymobil 12th Sep 17, 5:05 AM
    • 925 Posts
    • 7,843 Thanks
    Treadingonplaymobil
    Crikey, you are a domestic goddess! I'm ashamed to say that housework is the first thing to go when I'm feeling stressed and busy, but it does always mean a massive push to get back on top of it when things calm down.
    £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
    • Toni'sfriend
    • By Toni'sfriend 12th Sep 17, 4:25 PM
    • 816 Posts
    • 7,285 Thanks
    Toni'sfriend
    Hello Hidden
    I can identify with the tiredness. For some reason I'm feeling really washed out at the moment - I'm even going for a nap in the afternoon and I still don't feel any better! Seriously though, please don't try to do too much. You never seem so sit down and relax.
    • Hiddenidenity
    • By Hiddenidenity 12th Sep 17, 7:20 PM
    • 4,743 Posts
    • 20,635 Thanks
    Hiddenidenity
    I think there's definitely something in the air Tonisfriend. I feel dead on my feet today.

    I'm glad its bedtime and my house work is done. Just waiting for my mum to call but I've got everything done otherwise.

    Received £60 in Amazon vouchers for a focus group I did last month. Going to use them on stocking up on cupboard and cleaning things and nappies I think.

    Youngest is settling in school a bit more (still cries when being dropped off but lasts minutes) She says she has a good time once she's there. Other two are doing clubs now most days so don't finish until 4.30. Means I can get most things done before picking them up.

    Hope everyone is well x
    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 12th Sep 17, 8:26 PM
    • 5,414 Posts
    • 16,497 Thanks
    mummytogirls
    Evening HI,

    I too am shattered, can't decide whether its going back to work or the weather or both ha!!

    Yay to the Amazon vouchers thats brilliant xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 12th Sep 17, 8:27 PM
    • 4,246 Posts
    • 23,275 Thanks
    Sun Addict
    Don't forget to add putting your feet up to your to do list
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Hiddenidenity
    • By Hiddenidenity 12th Sep 17, 10:15 PM
    • 4,743 Posts
    • 20,635 Thanks
    Hiddenidenity
    I'm finally sat down and trying to catch up with everyone on here.

    I don't really have much to update. Money is squeaky tight now until I'm paid.

    Planned expenses are the usual bills obviously.
    £15 DS school trip (needed tomorrow)
    £10 DD school trip (needed Friday)
    Wellies for DS for said trip
    Tracksuit bottoms for DS for trip
    Raincoat for DS for trip
    Wellies for DD for trip.

    DS is off to Brockholes, DD to a farm.
    The trips aren't until 2 weeks tomorrow but need to get looking around for as cheap as possible considering there isn't a budget for this stuff yet

    Cheaper to keep them off for the day No I wouldn't do that really
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • helsbell
    • By helsbell 12th Sep 17, 10:31 PM
    • 58 Posts
    • 177 Thanks
    helsbell
    If you speak to school you should be able to delay paying for the trips until you've been paid. Just explain that you started a new job so cash flow is a bit problematic until pay day.
    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
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