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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,769Posts
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    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 104
    • mummytogirls
    • By mummytogirls 15th Sep 17, 6:52 PM
    • 5,427 Posts
    • 16,563 Thanks
    mummytogirls
    Happy Friday HI xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 15th Sep 17, 8:36 PM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    Thank you

    Finally all my chores done and everything clean and fresh. Uniforms ironed and homeworks done. Smalls are sleeping and I'm ready to jump in the shower after my cuppa.

    Hope everyone had a good day x
    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 15th Sep 17, 8:39 PM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    Debt 15/09/17

    Council Tax £2092.71 £1400
    Fine 1 £1250 £975 (£25 paid)
    Fine 2 £200 £0 (£5 paid)
    Aunt £1000
    Mum £87 +£340 300
    Step Dad £1000
    Friend £1379 £1360

    Total £7348.71 £6035 (£1313.71 paid)


    Rent arrears £3381.28 £2915 (£466.28 paid)

    Debt + Rent £10722.99 £8910 (£1772.99 paid)
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplemumof2
    • By Purplemumof2 15th Sep 17, 9:10 PM
    • 5,067 Posts
    • 16,653 Thanks
    Purplemumof2
    Yay well done, fine 2 is out of the way everything is going in the right direction.

    Happy Friday xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • abba1772
    • By abba1772 15th Sep 17, 9:19 PM
    • 3,751 Posts
    • 10,670 Thanks
    abba1772
    Well done on getting rid of fine no2
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5602.13
    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 £4119.13 / £6000
    • Sun Addict
    • By Sun Addict 15th Sep 17, 9:25 PM
    • 4,275 Posts
    • 23,446 Thanks
    Sun Addict
    You are doing fab xx

    Lovely to hear about your contented sleeping small people

    Have a lovely weekend xx
    Virtual Sealed Pot £612.20
    September NSD 9/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Hiddenidenity
    • By Hiddenidenity 15th Sep 17, 10:09 PM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    Thank you so glad my fine is gone. It's been a long slog paying that off! Around 4 years

    Kids have been brilliant. Youngest is settling into school better although they are putting more effort in after I had to shout complain! The teacher was lovely though and once I'd raised my issue I think she could see my point. Fingers crossed or they'll have one cross mummy on their case

    It's scary how quick the three of them are growing up, each having their own personalities. They are really shining through recently.

    They make me so happy Soppy or what
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplemumof2
    • By Purplemumof2 16th Sep 17, 6:56 AM
    • 5,067 Posts
    • 16,653 Thanks
    Purplemumof2
    Thank you so glad my fine is gone. It's been a long slog paying that off! Around 4 years

    Kids have been brilliant. Youngest is settling into school better although they are putting more effort in after I had to shout complain! The teacher was lovely though and once I'd raised my issue I think she could see my point. Fingers crossed or they'll have one cross mummy on their case

    It's scary how quick the three of them are growing up, each having their own personalities. They are really shining through recently.

    They make me so happy Soppy or what
    Originally posted by Hiddenidenity
    You've every right to be proud

    Glad you got the school bit sorted, always worth raising things if you're not happy.

    Have a lovely weekend xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • mummytogirls
    • By mummytogirls 16th Sep 17, 1:39 PM
    • 5,427 Posts
    • 16,563 Thanks
    mummytogirls
    Yay to the fine being gone HI, that must feel so good xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 16th Sep 17, 4:04 PM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    Well what a morning!

    Someone stole all DS's Nerf guns from outside the back door. Around £500 worth!! I put a notice on my back gate saying if they were returned nothing further would come of it. I didn't have much hope and called ex, anyway 20 mins later a knock on the front door, all guns returned apparently "found" on the park! Bullsh!t!! Anyway I'm glad they back and I have one happy 8 year old. I felt so bad. He's been collecting them for a few years and have been his main gifts for Xmas and birthdays for the past 3 years! and it was my fault! I'd put them out there why I cleaned the shelves they're stored on.

    More annoyed some cheeky so and so felt they could come over the fence and take them while they could clearly see I was just behind the door cleaning!

    We are quite lucky in that most know who their dad is and we've only ever had one thing taken (which again was returned the same day) So it made me furious!

    Anyway peace is restored and treasured toys back on shelves, lesson learnt for me

    Nothing much else going on. We are just pottering around the house/garden and cleaning bits. Kids playing with friends.

    I am sick of sweeping outside and an hour later it looks just as bad so I've come for a cuppa and a catch up.
    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 16th Sep 17, 4:05 PM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    The fine being gone made me so happy. I know the others still on there but that isn't mine

    Next is to smash that council tax down as that's a big thing.

    Received my £50 cheque from Populus so will need to take that to the bank this week.
    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 16th Sep 17, 4:12 PM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    September goals

    Money
    £200 to council tax - £160/100
    £120 Groceries - £13/£120
    £100 to other debt £150/£100

    Make £5 a day £150 = £192.99/£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 still haven't been grocery shopping Spent £2 this morning on milk but thats it. We will manage for now.

    I didn't use the Amazon vouchers yet either will wait it out for now.

    I did pay for the school trips
    I did clear Fine 1 this week
    I did go to work and the kids did go to school counts as a goal surely.

    I MUST LIST ON EBAY THIS WEEKEND!
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplemumof2
    • By Purplemumof2 16th Sep 17, 4:56 PM
    • 5,067 Posts
    • 16,653 Thanks
    Purplemumof2
    How annoying and cheeky, glad that the nerf guns were returned.

    Your September goals are going along rather well

    Hope you're managing to have a bit of a rest xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 16th Sep 17, 5:32 PM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    I am actually lay on the sofa and reading diaries. Smalls have eaten and bath is running.

    I think we are all just going to have an early night.

    I know I was so surprised the guns where returned (I don't like them at all. But they'd been DS's gifts from family for a few years so obviously he was devastated Bad mum alert )
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Sun Addict
    • By Sun Addict 16th Sep 17, 7:35 PM
    • 4,275 Posts
    • 23,446 Thanks
    Sun Addict
    Glad all's well that ends well. Sometimes it's handy to know someone who has a bit of influence on the rogues Years ago I had a friend who was lovely to me but could be a bit aggressive - no one dared speak out of turn to me, she would've decked them
    Virtual Sealed Pot £612.20
    September NSD 9/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Suffolk lass
    • By Suffolk lass 17th Sep 17, 10:06 AM
    • 1,476 Posts
    • 16,887 Thanks
    Suffolk lass
    Hey HI, when you have a bit of money, check out original turtle mats - I have these - they are moisture and dirt trappers. I wash them when they look grim (and they wash well but are rubber backed so you need to be able to hang them to dry) but in the meantime they stop the mud, dirt and wet being trodden through. There are cheaper options but I never found them to be so good
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Hiddenidenity
    • By Hiddenidenity 17th Sep 17, 10:12 AM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    Oh I will have a look. Thank you.

    Todays plans are to cook the sunday roast! Main priority

    List on eBay I really should have done this by now I need to do it.

    One load of ironing to do which I'll do when the beds are dry.

    I have a late start at work tomorrow because I have an appointment at 10am. While in town for this will pay the cheque in from surveys.

    I'm hoping with the cheque and some I can cash out from PA we can see it through to payday without missing anything.
    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 17th Sep 17, 12:52 PM
    • 385 Posts
    • 1,153 Thanks
    Honeysucklelou2
    Catching up on diaries...well done on clearing the fine, that's fantastic.

    Glad you had a good weekend break and sounds like the work/school routine is working well.
    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
    • Hiddenidenity
    • By Hiddenidenity 17th Sep 17, 2:35 PM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    Thank you

    Sunday roast is in - Chicken this week.
    Made coleslaw and made up salads for the start of the week for me and the kids packed lunches. Will be chicken/chicken and bacon tomorrow and Tues. Probably Tuna wednesday and then we'll have a look what else.

    Baked the goodies for the smalls pack lunches. Made yogurt and jelly and the fridge is loaded with enough small pots of fruit made up for their lunches too.

    Meal plan will heavily feature the Chicken this week as its huge! So probably curry/fajitas/soup etc chucked in there.

    I think it's starting to get colder now and maybe the kids won't want salads for their pack lunches? Not sure. Maybe I should sit them down and have a think of other things in replacement (Although DD will just want jam sandwich everyday instead )
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplemumof2
    • By Purplemumof2 17th Sep 17, 3:05 PM
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    • 16,653 Thanks
    Purplemumof2
    Roast chicken this end too, DS will take a leg with his packed lunch and no doubt demolish one at dinner time today.

    You sound very organised for the week ahead.

    Hope your having a good Sunday? Xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
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