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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 5,060Posts
    • 23,005Thanks
    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 118
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Oct 17, 9:48 PM
    • 1,397 Posts
    • 3,602 Thanks
    HairyHandofDartmoor
    I hope little one feels better soon.
    I've just been looking at some Christmas countdown ideas and these are some of my favourites:
    Make paper snowflakes
    Write a letter to Santa
    Decorate the tree
    Go to a Xmas tree light up
    Watch a Xmas movie with hot chocolate (could probably do this one a few times with different films)
    Make Xmas shape cookies
    Picnic next to the Xmas tree
    Candy cane/chocolate coin treasure hunt
    Dance to Xmas songs on youtube
    Go to a local carol service
    Make a wreath
    Wrap up warm and look for Santa among the stars
    Make paper chains for their rooms
    Play a board game
    Sing Xmas carols
    Make paper lanterns
    Draw a Xmas picture (my dad has a framed picture my brother drew when he was 7, he brings it out every Xmas)
    x
    Originally posted by bubblycrazy
    Those are All lovely ideas I wish my three were small again although only at Christmas
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Happierdays
    • By Happierdays 7th Oct 17, 10:31 PM
    • 144 Posts
    • 360 Thanks
    Happierdays
    Aw...making and doing those things together are definitely the things that count and that they will have fond memories of.....
    • charlies tribe
    • By charlies tribe 7th Oct 17, 11:47 PM
    • 449 Posts
    • 3,620 Thanks
    charlies tribe
    Hope your DD is feeling better soon. My younger girls are asthmatic and have spent endless nights in hospital after a rush to A&E. From being in hospital since tiny they cant diagnose asthma until they are 5. Luckily both my girls have grown out of so many attacks and have been off the preventer almost a year.

    I love the Christmas lists on here, think I need to pinch a few.
    LBM in April 17 - £3786/£33554 (11.2%) paid
    DFD: 1st May 2022
    • Eager_Elephant
    • By Eager_Elephant 8th Oct 17, 8:15 AM
    • 4,106 Posts
    • 22,126 Thanks
    Eager_Elephant
    Sorry to read that youngest has been in hospital - fingers crossed you got some decent sleep last night.

    I cant contribute to the ideas for activities and you have had some lovely ideas already.

    If ex is not going to be at yours for Xmas then now is the time to make new memories with the kids.

    We don't really push the boat out for food apart from needing to buy a Xmas pudding for DH.
    The one thing DD insists on is pigs in blankets from M&S - she says they are the best ever. We make our own pigs in blankets from our own sausages and bacon but DD always wants the shop brought. I can usually get them on a 3 for 2 offer so not too expensive. (by the way DD is 14 now and has insisted on these for years)
    What makes it special is that we only have pigs in blankets once a year - it probably sounds sad to some people as I expect there are some that have it every week with their roast.
    Last edited by Eager_Elephant; 08-10-2017 at 8:18 AM.
    Ninja Saving Turtle No. 33 for October
    NSD - 0/18
    (up to 01/10/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Honeysucklelou2
    • By Honeysucklelou2 8th Oct 17, 8:18 AM
    • 438 Posts
    • 1,418 Thanks
    Honeysucklelou2
    Hope you little one is feeling better today.

    Christmas biscuits is a great idea. For something a little different, a basic sponge mix cooked in a rectangular tin can be cut carefully to make Christmas trees. Cover with green butter icing and add a chocolate finger for the trunk and you have festive cakes!

    One year I found a book that contained a nativity scene that you had to fold and build. I think it was Usbourne but sometimes I've seen well priced books for sale through the Book People.

    Winter walks are always lovely. Perhaps read The Stickman by Julia Donaldson and "find" the stick family on a walk.
    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
    • missymoo81
    • By missymoo81 8th Oct 17, 8:20 AM
    • 5,823 Posts
    • 19,615 Thanks
    missymoo81
    Morning lovely hope you got some much needed sleep x
    • Honeysucklelou2
    • By Honeysucklelou2 8th Oct 17, 8:21 AM
    • 438 Posts
    • 1,418 Thanks
    Honeysucklelou2
    Last Christmas was my first without the ex, so I felt I needed to start a tradition going forward so I did croissants for breakfast. The children really liked it and it was a light breakfast that still gave them room for Christmas lunch.
    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 8th Oct 17, 11:18 AM
    • 5,060 Posts
    • 23,005 Thanks
    Hiddenidenity
    Thank you for all the replies.

    Youngest behaviour has definitely set in. She is driving the whole house insane! She slept well last night though, shame can't be said for me! I was up at 4 after an awful dream! I'd only been asleep 2 hours and then didn't want to go back to sleep I feel like a child saying that

    Have some ironing to do today, along with the weekly roast. I should go and buy some salad things really for their lunches, Im at home for lunch all week so will have soup out the freezer.

    10 more days till payday, I have a lot of bills to catch up on so I won't be busting much debt this month but I will be able to catch up with everything that's behind. Also will do a Mr Sains shop (I have £12 off £50 spend) Will mainly be milk

    Thank you for all the christmas ideas, I nearly have the 24 days of december full. I might take some of the ideas and add some in to our normal weeks. I feel like sometimes we are in such a routine there isn't much time for fun stuff.
    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 8th Oct 17, 11:44 AM
    • 5,060 Posts
    • 23,005 Thanks
    Hiddenidenity
    Monthly Update
    Monthly Update Month 5
    Council Tax £2092.71 £1400 (£692.72 Paid) £0 Paid this month
    Fine 1 £1250 £900 (£350 Paid) £100 Paid this month
    Fine 2 £200 £0 (£200 Paid) £5 Paid this month
    Aunt £1000
    Mum £340 + £87 £300 (£127 paid) £0 paid this month
    Step Dad £1000
    Friend £1379 £1360 (£19 paid)

    Total £7348.71 £5960 (£1388.71 Paid) £105 Paid this month

    Rent Arrears £3381.28 £2870 (511.28 paid) £60 Paid this month

    Total £10722.99 £8830 (£1892.99 Paid) £165 paid this month

    I realise this is a day early but nothing will change tonight and I won't be here to do it tomorrow xx

    What a really rubbish month
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • EssexHebridean
    • By EssexHebridean 8th Oct 17, 11:48 AM
    • 8,013 Posts
    • 41,430 Thanks
    EssexHebridean
    Pigs in Blankets are definitely only for Christmas - like bread sauce, that's a once a year thing too!

    Lovely activity ideas there and again nothing to add really. Good plan to come up with a special activity of some sort to add in to usual routines too - it's easy to get stuck in that rut isn't it, which is fine some weeks but you don't want to reach the point of feeling like there's no time for fun, as you say.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£544.67 (17/10/17)
    • missymoo81
    • By missymoo81 8th Oct 17, 1:02 PM
    • 5,823 Posts
    • 19,615 Thanks
    missymoo81
    Monthly Update Month 5
    Council Tax £2092.71 £1400 (£692.72 Paid) £0 Paid this month
    Fine 1 £1250 £900 (£350 Paid) £100 Paid this month
    Fine 2 £200 £0 (£200 Paid) £5 Paid this month
    Aunt £1000
    Mum £340 + £87 £300 (£127 paid) £0 paid this month
    Step Dad £1000
    Friend £1379 £1360 (£19 paid)

    Total £7348.71 £5960 (£1388.71 Paid) £105 Paid this month

    Rent Arrears £3381.28 £2870 (511.28 paid) £60 Paid this month

    Total £10722.99 £8830 (£1892.99 Paid) £165 paid this month


    I realise this is a day early but nothing will change tonight and I won't be here to do it tomorrow xx

    What a really rubbish month
    Originally posted by Hiddenidenity
    Oi missus! Not rubbish! You're paying stuff off! It's going down, not even staying the same and definitely not going up! You're doing wonderfully! You are amazing! Keep it up sugar!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Oct 17, 1:22 PM
    • 1,397 Posts
    • 3,602 Thanks
    HairyHandofDartmoor
    Your debts are going down so any movement in the right direction is good

    We only have bread sauce at Christmas. Plus my dad always makes false meatballs, not sure what the recipe is but I know they include parsley and if you overcook them they are like bullets
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Hiddenidenity
    • By Hiddenidenity 8th Oct 17, 1:30 PM
    • 5,060 Posts
    • 23,005 Thanks
    Hiddenidenity
    List of things I need to sort in October. [/B]

    3 x halloween costumes
    Winter coats for smalls
    Hats and gloves for smalls
    Youngest all in one suit for school. Ordered
    DD's clothes - just basics but she really needs something

    School photos

    Expensive month then
    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 8th Oct 17, 3:44 PM
    • 5,060 Posts
    • 23,005 Thanks
    Hiddenidenity
    Formula one time. Looks interesting already

    Roast is nearly ready and everything ready for tomorrow.

    Smalls are playing on minecraft while I watch F1. Will give them until dinner is ready in an hour or so. I never know how long to let them have on the game? How does everyone else limit it?
    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 8th Oct 17, 4:07 PM
    • 5,823 Posts
    • 19,615 Thanks
    missymoo81
    Mine are only allowed at the weekend, and I guess I let them have it for a couple of hours as that's the only time they're allowed it.
    • Cumbria lass
    • By Cumbria lass 8th Oct 17, 4:12 PM
    • 605 Posts
    • 2,273 Thanks
    Cumbria lass
    Hidden sorry to hear youngest had to go to A&E but that she is now on the mend. Got the paint from B&M so thank you for that.

    Enjoy the Formula 1 and your roast dinner.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • Hiddenidenity
    • By Hiddenidenity 8th Oct 17, 4:14 PM
    • 5,060 Posts
    • 23,005 Thanks
    Hiddenidenity
    DS uses it most days Obviously not for long by the time he's in from school etc. I'd say an hour? after his shower while I bath the girls etc. Then its off for bedtime.

    If we are out on a weekend its the same just the hour the girls are in the bath and I'm doing their hair. But days like today when we've been at home he'd choose to spend a few hours on it rather than play with toys etc?

    Hmm.
    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 8th Oct 17, 4:15 PM
    • 5,060 Posts
    • 23,005 Thanks
    Hiddenidenity
    Hidden sorry to hear youngest had to go to A&E but that she is now on the mend. Got the paint from B&M so thank you for that.

    Enjoy the Formula 1 and your roast dinner.
    Originally posted by Cumbria lass
    Glad you got the paint sorted.

    F1 is interesting All happy on my side though

    Thank you x
    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 8th Oct 17, 4:33 PM
    • 5,823 Posts
    • 19,615 Thanks
    missymoo81
    If I'm honest I let them have them For a bit longer if I wanted to get stuff done as they're really good and quiet on their iPads....
    Last edited by missymoo81; 08-10-2017 at 4:48 PM.
    • Hiddenidenity
    • By Hiddenidenity 8th Oct 17, 7:19 PM
    • 5,060 Posts
    • 23,005 Thanks
    Hiddenidenity
    Thank you Missy, I must admit DS has been on it quite a bit now its too cold/wet to be playing out everyday.

    F1 watched Happy with the results there!

    Roast eaten and cleaned up after, leftovers sorted to make pie tomorrow I think.

    School lunches done, no salad though I hope they don't mind Will try and call somewhere for some tomorrow.

    Kids are bathed, hairs done and all tucked up in bed, youngest is in my bed though

    I should now be listing on eBay but might leave that until tomorrow and just get a shower and watch TV for a while now
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

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