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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 5,037Posts
    • 22,835Thanks
    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 £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
Page 116
    • Purplemumof2
    • By Purplemumof2 5th Oct 17, 1:01 PM
    • 5,202 Posts
    • 17,357 Thanks
    Purplemumof2
    Sounds like a lovely day, enjoy the peace and quiet while you can

    What a lovely gesture off the two mse'rs x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7250.00 Cap 1: £540.91 BC: £5196.94

    AFD 3/10 NSD 2/10 LTW 3/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • EssexHebridean
    • By EssexHebridean 5th Oct 17, 1:10 PM
    • 8,009 Posts
    • 41,397 Thanks
    EssexHebridean
    Ooh that's a thought - take it you know about SuperSavvyMe and similar sites that do vouchers etc for products? I get the odd thing off there but I know if you check it regularly there can be really good offers sometimes! My 89p Old El Paso kit from last week's shopping was via a voucher from there combined with a special offer in the supermarket.

    That Nationwide switching bonus will be really handy too!

    As for having nothing to do until the school run - good - sit and do nothing for a bit then - browse the internet or read a book, it'll do you the world of good!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£544.67 (17/10/17)
    • missymoo81
    • By missymoo81 5th Oct 17, 2:56 PM
    • 5,823 Posts
    • 19,607 Thanks
    missymoo81
    Yaaay to lovely MSE-ers! I hope you managed a chill out. What washing powder did you get! Do love a good smelling one! I know what you mean by feeling at a loss when you're home at a different time. When I'm in my own in the week, when smalls are at school, I don't know what to do with myself!
    • Purplemumof2
    • By Purplemumof2 5th Oct 17, 3:16 PM
    • 5,202 Posts
    • 17,357 Thanks
    Purplemumof2
    When I'm in my own in the week, when smalls are at school, I don't know what to do with myself!
    Originally posted by missymoo81
    It's more surreal once they hit the teenager stage and are constantly out
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7250.00 Cap 1: £540.91 BC: £5196.94

    AFD 3/10 NSD 2/10 LTW 3/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 5th Oct 17, 8:31 PM
    • 5,037 Posts
    • 22,835 Thanks
    Hiddenidenity
    Oh I use super savvy but I've never looked at the vouchers I am going to check that out thank you.

    School photo requests in and order put through £45 I'm not ordering one yet, I will take the hit of £4 extra in a few weeks when I can afford it a little easier.

    Working early again tomorrow, I really prefer it as it means I can collect youngest from school So no complaints from me.

    Going to order youngest's all in one from Amazon with vouchers I think.

    This weekend I need to start DS's bedroom, have borrowed a wallpaper steamer in the hope it makes that easier!

    Will have enough in Amazon for his bed/bedding/mattress. Need to eBay £20 worth for the carpet, along with £20 for paint. Again all planned from eBay/surveys.

    He want's a TV now the girls have one, I've told him to ask Santa Although will try and find one on eBay if not.

    It's getting too close to Xmas now I'm scared!
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Cumbria lass
    • By Cumbria lass 5th Oct 17, 8:42 PM
    • 599 Posts
    • 2,199 Thanks
    Cumbria lass
    Hidden , you are very resourceful put the rest of us to shame ! Where do you usually get your paint from ? I need loads of magnolia and am sure you will know the best place to shop.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Hiddenidenity
    • By Hiddenidenity 5th Oct 17, 9:15 PM
    • 5,037 Posts
    • 22,835 Thanks
    Hiddenidenity
    I bought from Wilko for DD room and it's the best I've ever used! Just the basic white and gloss and I was quite nervous as some of the reviews weren't great but honestly it cover illuminous green and pink with 2 coats fine! I need delivery really because it's heavy to carry home with the 3 smalls. I can't fault it at all and definitely some of the cheapest I've found online.

    We used Asd@'s own brand before and didn't really like that. My sister uses B&Q own brand and loves it but I think it's more expensive than W!lko especially with delivery x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 5th Oct 17, 9:17 PM
    • 5,037 Posts
    • 22,835 Thanks
    Hiddenidenity
    Forgot you where local, B&M on Manchester road (facing where the old college was) Usually has the trade size Crown white/magnolia in 10litres for around £9 too.
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Cumbria lass
    • By Cumbria lass 5th Oct 17, 9:19 PM
    • 599 Posts
    • 2,199 Thanks
    Cumbria lass
    Thanks Hidden , I will google on the website over the weekend. Am glad to see you don't attempt to carry it home !!!
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • EssexHebridean
    • By EssexHebridean 5th Oct 17, 9:20 PM
    • 8,009 Posts
    • 41,397 Thanks
    EssexHebridean
    Avoid Johnstones at all costs for paint - we bought it for the dark colour that is on our front room wall and it's a gorgeous colour but took SEVEN coats to stop looking patchy!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£544.67 (17/10/17)
    • Cumbria lass
    • By Cumbria lass 5th Oct 17, 9:21 PM
    • 599 Posts
    • 2,199 Thanks
    Cumbria lass
    Ooh that's even better, will look there first Manchester Road . Thank you big help Hidden.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Cumbria lass
    • By Cumbria lass 5th Oct 17, 9:23 PM
    • 599 Posts
    • 2,199 Thanks
    Cumbria lass
    Thanks Essex I probably would have got Johnstones if I hadn't asked .
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Hiddenidenity
    • By Hiddenidenity 5th Oct 17, 9:29 PM
    • 5,037 Posts
    • 22,835 Thanks
    Hiddenidenity
    That sounds like a nightmare EH!

    I need to get DS room done so I can do downstairs before Xmas, then I will move back upstairs to do the other rooms after (mine being last It hasn't been done in all the time we've lived here! Bare plaster walls and no carpet )

    I'm just watching Educating Manchester before heading to bed. It's so nice to see the school has been changed around from when my 'friends' where attending.
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Cumbria lass
    • By Cumbria lass 5th Oct 17, 9:37 PM
    • 599 Posts
    • 2,199 Thanks
    Cumbria lass
    Love Educating Manchester , very true it had an awful reputation, but now it looks a great school. The only thing about decorating before Christmas is less daylight hours .Treat yourself and do your room next you deserve it .
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Hiddenidenity
    • By Hiddenidenity 6th Oct 17, 12:38 PM
    • 5,037 Posts
    • 22,835 Thanks
    Hiddenidenity
    Happy Friday

    Mini ones just eating her lunch so thought I'd catch up and check surveys while I have my cuppa.

    I am so glad its weekend! 2 more weeks to half term
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 6th Oct 17, 12:41 PM
    • 5,037 Posts
    • 22,835 Thanks
    Hiddenidenity
    Debt 06/10/17

    Council Tax £2092.71 £1400
    Fine 1 £1250 £900 (£25 paid)
    Fine 2 £200 £0
    Aunt £1000
    Mum £87 +£340 300
    Step Dad £1000
    Friend £1379 £1360

    Total £7348.71 £5960 (£1388.71 paid)


    Rent arrears £3381.28 £2870 (£511.28 paid)

    Debt + Rent £10729.99 £8830 (£1899.99 paid)

    Just the usual £15 off the rent arrears again this week SO slow!
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • missymoo81
    • By missymoo81 6th Oct 17, 12:43 PM
    • 5,823 Posts
    • 19,607 Thanks
    missymoo81
    Happy Friday

    Mini ones just eating her lunch so thought I'd catch up and check surveys while I have my cuppa.

    I am so glad its weekend! 2 more weeks to half term
    Originally posted by Hiddenidenity
    Hey lovely. Yep I'm glad it's the weekend too! It's just been so crazy this week. Really looking forward to half term, just for a chill out!!

    Have you much planned for the weekend. Well done on the plans to sort DS's room.
    • Hiddenidenity
    • By Hiddenidenity 6th Oct 17, 12:51 PM
    • 5,037 Posts
    • 22,835 Thanks
    Hiddenidenity
    I don't think I have plans. I want to so DS room so that will take up all the evenings no doubt. I definitely don't want/can't afford to spend anything!

    Probably homework/baking and local park/walk. Might do a movie night with popcorn and start making halloween decorations.

    DS was naughty this morning (just not doing what he should and being cheeky!) So I hope he's considered how he behaved and isn't in that mood when he gets home.

    I need to find a gift for the little girl who's party DD is going too. I have NO idea what to get
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 6th Oct 17, 4:45 PM
    • 5,037 Posts
    • 22,835 Thanks
    Hiddenidenity
    I have a banging headache My own brass band playing in there. I haven't even done dinner yet

    I really want takeaway I won't though! The kids might be convinced to have something on toast!

    Hoping the painkillers set in before they are pulling at my ankles for food
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • missymoo81
    • By missymoo81 6th Oct 17, 5:13 PM
    • 5,823 Posts
    • 19,607 Thanks
    missymoo81
    I have a banging headache My own brass band playing in there. I haven't even done dinner yet

    I really want takeaway I won't though! The kids might be convinced to have something on toast!

    Hoping the painkillers set in before they are pulling at my ankles for food
    Originally posted by Hiddenidenity
    Oh god poor you I hope it clears soon! X
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