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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 3,392Posts
    • 13,120Thanks
    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 £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
Page 11
    • Toni'sfriend
    • By Toni'sfriend 17th May 17, 6:33 PM
    • 514 Posts
    • 4,796 Thanks
    Toni'sfriend
    Paying the £10 to TV licence is a good idea. Do you have a neighbour who would let you use their hoover until you manage to get another?
    NSD 13/12 Weightloss 1.5/48 June Womble £13925 2017 Wombling total £985.71
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 7:18 PM
    • 3,392 Posts
    • 13,120 Thanks
    Hiddenidenity
    I don't but I do have a yard brush that will have to do maybe not 4 times a day like the hoover gets used though

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 9:45 PM
    • 3,392 Posts
    • 13,120 Thanks
    Hiddenidenity
    Things to catch up on to make above work.

    TV license £24 Paid
    Mum £50
    Council tax £64 £59
    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

    Ebay guy turned up, went and paid £10 straight off the TV licence so caught up again with that now.

    Id like to say I was sensible and saved the £2.50 but that along with the change in my purse went on coffee

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 10:49 PM
    • 3,392 Posts
    • 13,120 Thanks
    Hiddenidenity
    Yougov 4400 points. 600 points needed for £50 cash out.
    Valued opinions £0 .. £10.50 needed to cash out
    PanelBase £6.50 .. £3.50 needed to cash out (£6.50 pending will cash out as soon as clears )
    Populus 10 points .. 40 needed to cash out £50
    Pureprofile 65p ... £25 needed to cash out
    Mingle 155 points ... 1500 needed for £12 amazon
    Last edited by Hiddenidenity; 17-05-2017 at 11:38 PM.

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
    • LordNolo
    • By LordNolo 17th May 17, 11:16 PM
    • 32 Posts
    • 52 Thanks
    LordNolo
    Hi. Just catching up. You're doing really well. I have anxiety as well so I understand how difficult it can be. Looks like you're only a few surveys away on you gov from a nice payout though!

    All the best.
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 12:06 AM
    • 3,392 Posts
    • 13,120 Thanks
    Hiddenidenity
    Very close! It's took years! Xx thanks for stopping by

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 8:11 AM
    • 3,392 Posts
    • 13,120 Thanks
    Hiddenidenity
    Well a better nights sleep and two happy older ones happy to go to school makes for a good morning

    PayPal £30 has hit bank, haven't paid it off anywhere yet because I only have 40p in my account although I don't think we need anything anyway.

    I still dont really have plans for today. My sister is working late so no plans to visit. I've done the majority of the cleaning. I suppose I can sweep the stairs etc and sweep outside if the rain stays away.

    Meal plans done for next week, thinking of going to Ald1 again rather than Mr S. It's definitely worth it money wise.

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
    • Toni'sfriend
    • By Toni'sfriend 18th May 17, 9:22 AM
    • 514 Posts
    • 4,796 Thanks
    Toni'sfriend
    Well done - you deserve the coffee for all your hard work. I'd hang on to the £30.00 at least until the wages come in and then think about putting it towards the catch up on the council tax. You'll have nearly caught up on everything then (I'm still ignoring Mum). Don't you ever sit still? Did you ask about DLA?
    NSD 13/12 Weightloss 1.5/48 June Womble £13925 2017 Wombling total £985.71
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 9:38 AM
    • 3,392 Posts
    • 13,120 Thanks
    Hiddenidenity
    If I sit still and let things slack it gets on top of me then I regret it

    DLA forms have been posted out to me and her team are all happy to help and send supporting evidence to include.

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
    • Toni'sfriend
    • By Toni'sfriend 18th May 17, 9:57 AM
    • 514 Posts
    • 4,796 Thanks
    Toni'sfriend
    That is good news. Hope it works out. I will makes such a difference to you.
    NSD 13/12 Weightloss 1.5/48 June Womble £13925 2017 Wombling total £985.71
    • cbsexec
    • By cbsexec 18th May 17, 10:22 AM
    • 322 Posts
    • 1,746 Thanks
    cbsexec
    Hi Just want to say how much I admire what you are achieving. Its hard but you can get there. Doing surveys etc kept me going thru tough times as did applying for any freebies going. Keep up the good work.
    • cbsexec
    • By cbsexec 18th May 17, 10:23 AM
    • 322 Posts
    • 1,746 Thanks
    cbsexec
    PS how about freecycle for a hoover?
    • Purplemumof2
    • By Purplemumof2 18th May 17, 11:23 AM
    • 4,591 Posts
    • 14,594 Thanks
    Purplemumof2
    You are really doing great hun.

    Definitely keep hold of the £30 for the time being, you may need it. I think Toni'sfriend idea regarding putting it against the CT is a good idea.

    Also as cbsexec says, Freecycle may have one that you could get?

    Please get the DLA forms and evidence and get them filled in and sent off, it'll help you all in the long run, so has to be worth persuing xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 11:51 AM
    • 3,392 Posts
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    Hiddenidenity
    I am stalking free cycle and have posted thank you. I check freecycle/other free groups/pages because we still need a lot of things to make here comfortable. From small things like plates and bowls to the bigger items of furniture/beds/cooker! Etc.

    Nothing so far though lot's of wanted posts but we are in a rundown area too so don't expect much to come of it.

    I will be paying the eBay money off the council tax just like you say keeping it in the bank for now. For the first time ever I'll have reached payday with something in the account and not having borrowed from someone and they've all been fed real food Inc snacks without having to put random things together

    Need to make a cake for OH so the kids can decorate it over the weekend and will need to pick up cards. I know we aren't doing anything but I can't not get cards and sort a cake I'd feel awful (even if I don't get the same in return )

    On the up side that's the last birthday till after Xmas now

    Still no more mention of going away for half term. Hopefully that means she's forgot she offered
    Will still have to budget in that week for a bit more on groceries for the kids lunches and more snack's. Hopefully the weather is dry and we can spend the days doing free places like the park/museum and library.

    Oh speaking of books. Just received an email about prime members getting free things to read? Need to investigate on Amazon this could pass some time and since I already have prime I might as well use it I love reading.

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 11:56 AM
    • 3,392 Posts
    • 13,120 Thanks
    Hiddenidenity
    I will definitely get the DLA things sorted.

    Speaking of which. One of the letters have arrived this morning about what was discussed on Monday. Most of it is total nonsense and makes no sense at all. Some is basically the total opposite of what was said. I've emailed him and asked him to check what's been written up and I will call Monday if no reply (he only works for the NHS mon-weds, he is private the other days) and I've tried to contact one of the departments it says some issues are being passed onto but can't get in touch. Really strange I'm just hoping this mix up won't mess up the pharmacy etc this week! Or I will be more than just frustrated

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 2:25 PM
    • 3,392 Posts
    • 13,120 Thanks
    Hiddenidenity
    Well not a nsd I don't know what's happened, don't leave the house for months then twice in 2 days!

    £8 nappies Mr T (bogof)
    £2 wipes Mr T (reduced )
    59p Zoflora (Just because it smelt nice


    This will come out of tomorrow's wage really but youngest wanted to go to the park because it's sunny and I thought why we where up there we might as well pop in Mr T because if we do Aldi tomorrow its 5 miles in the opposite direction

    Good call on youngests part though it's been a lovely afternoon. Not hot but dry and bright

    Random issues in the letter sorted and the other department basically said to ignore it and they wouldn't be doing as it says

    DD wants pasta for dinner tonight so OH and DS can have spag bol and DD can have cheese sauce with hers easy and not feeling too much like a cafe with 5 different dinners for the 5 of us (yes this is what happens most days and I do feel like I'm running a cafè.

    DS wants 'awful' boy friend to come to dinner I put him off again. I always seem to end up with 20 kids that aren't mine here every weekend

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
    • Toni'sfriend
    • By Toni'sfriend 18th May 17, 3:54 PM
    • 514 Posts
    • 4,796 Thanks
    Toni'sfriend
    You have to live a life as well as trying to get the debt under control. So don't feel guilty about spending a little money (not too much) on OH's birthday because I know you will feel bad if you don't do something and he has told you cancel the plans you had because it was too expensive. Make a cake (you're a good cook) and get the little ones to make him a card each (it'll keep them amused and he'll love it). We decided last year not to spend a lot of money because we didn't really need anything, How about some chocolate (you can get an awful lot of chocolate in Aldi for next to nothing), a book, etc. - cheap wrapping paper, wrap it all individually and you've got a great birthday! On the subject of books. Do you have Amazon prime - it's very expensive but if you have a kindle app you can download a lot of books for free,
    NSD 13/12 Weightloss 1.5/48 June Womble £13925 2017 Wombling total £985.71
    • Toni'sfriend
    • By Toni'sfriend 18th May 17, 3:59 PM
    • 514 Posts
    • 4,796 Thanks
    Toni'sfriend
    Just as a matter of interest what is it that's so awful about the awful boy?
    NSD 13/12 Weightloss 1.5/48 June Womble £13925 2017 Wombling total £985.71
    • mummytogirls
    • By mummytogirls 18th May 17, 4:24 PM
    • 5,172 Posts
    • 15,047 Thanks
    mummytogirls
    Hi Hidden Identity, was looking for your diary the other day and couldn't find one but found it now!! Will subscribe and have a read through xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Hiddenidenity
    • By Hiddenidenity 18th May 17, 4:39 PM
    • 3,392 Posts
    • 13,120 Thanks
    Hiddenidenity
    You have to live a life as well as trying to get the debt under control. So don't feel guilty about spending a little money (not too much) on OH's birthday because I know you will feel bad if you don't do something and he has told you cancel the plans you had because it was too expensive. Make a cake (you're a good cook) and get the little ones to make him a card each (it'll keep them amused and he'll love it). We decided last year not to spend a lot of money because we didn't really need anything, How about some chocolate (you can get an awful lot of chocolate in Aldi for next to nothing), a book, etc. - cheap wrapping paper, wrap it all individually and you've got a great birthday! On the subject of books. Do you have Amazon prime - it's very expensive but if you have a kindle app you can download a lot of books for free,
    Originally posted by Toni'sfriend
    I do have prime (My sister gets it through work but doesn't use it so I do ) I'm going to see if I can find the free books once the kids are in bed. 2 hours to go not that I'm counting

    Just as a matter of interest what is it that's so awful about the awful boy?
    Originally posted by Toni'sfriend
    Awful boy is just that. He breaks things/swears/spits. He's always causing trouble at the sheltered housing facing my house/in trouble with the police (he's a little older than my son) I've tried time and time again to show him the 'respect' he's obviously missing some where and being nice etc because there's obviously a reason he behaves the way he does. But after having him here everyday for over 12 months nothing changed and he broke youngests trike a couple of weeks ago and that was the final straw of me saying no more.

    I have everyone's kids in here because I don't allow mine out on the estate. They eat/drink/bake/play everything but sometimes I feel now it's being taken for granted parents know they are safe here and they don't even check on them after hours of being here (as young as 3!)

    Hi Hidden Identity, was looking for your diary the other day and couldn't find one but found it now!! Will subscribe and have a read through xx
    Originally posted by mummytogirls
    Hello, oh I feel sorry for you if you read back my rambling thanks for stopping by

    DFW £523.71/£7348.71
    Rent Arrears £271.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £30 Amazon
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