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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 3,763Posts
    • 14,936Thanks
    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 £718.71/£7348.71
    Rent Arrears £331.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
Page 25
    • Purplemumof2
    • By Purplemumof2 7th Jun 17, 12:51 PM
    • 4,713 Posts
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    Purplemumof2
    Excellent hun, keep it up x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • emmie26
    • By emmie26 7th Jun 17, 6:26 PM
    • 426 Posts
    • 1,358 Thanks
    emmie26
    Oh my goodness I never look at the dates when I'm reading, I can't believe you have so many pages and posts in one month

    It just goes to show how many people you have behind you and you are doing fab with the amount you have managed to pay off in a month with such a limited budget, a holiday and running a cafe

    Total Debt: £24,359.79 £23,124
    debt reduced by 5%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 7th Jun 17, 8:00 PM
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    • 14,936 Thanks
    Hiddenidenity
    Excellent hun, keep it up x
    Originally posted by Purplemumof2
    Thank you

    Oh my goodness I never look at the dates when I'm reading, I can't believe you have so many pages and posts in one month

    It just goes to show how many people you have behind you and you are doing fab with the amount you have managed to pay off in a month with such a limited budget, a holiday and running a cafe
    Originally posted by emmie26
    Or just goes to how much I moan

    DFW £718.71/£7348.71
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    June 17 PA £121.25 + £70 Cash + £50 Amazon
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    • Hiddenidenity
    • By Hiddenidenity 8th Jun 17, 2:03 PM
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    Hiddenidenity
    Another wet day. Seriously we haven't had one dry day this week!! I feel so bad when the kids can't get outside to let of some energy.

    We're having a baking day and using up all the sad bits of shopping from last week ready for tomorrow. Probably be pies/pasties using leftover meat and potatoes. Maybe some cheese ones too. Sausage rolls for DS. Soup and some cake/sweet things. Trying to get some more quick snacks food in the freezer because we never buy any and the kids had mentioned sometimes 'unhealthy' dinner would be nice. I hardly think we're healthy but that's their opinion because we don't buy chips and fish fingers

    Speaking of which I want to try and make some fish fingers for youngest see if it will encourage her to eat more variety. If it isn't in the form of mash veg and gravy or sausage she refuses to eat it

    Also have a huge pile of ironing to catch up on I always let it get behind when it's school holidays then regret it

    DFW £718.71/£7348.71
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    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • Purplemumof2
    • By Purplemumof2 8th Jun 17, 2:21 PM
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    Purplemumof2
    Your baking day sounds great and an ideal way to use up any bits too.

    Could you try and get DD to help you with making the fish fingers? It may encourage her a little bit to try one if she knows she's made them?

    Ah the ironing....hate it, so can relate with leaving it as long as possible.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • EssexHebridean
    • By EssexHebridean 8th Jun 17, 3:46 PM
    • 7,439 Posts
    • 39,048 Thanks
    EssexHebridean
    How about fishcakes instead of fish fingers for youngest? That also includes mash of course so she may be more amenable? You can always still coat them in breadcrumbs and tell her they're very special fishfingers for very special people as they're really rare cos fish with round fingers are REALLY unusual! Might just prove a bit easier to make and create less waste than traditionally shaped fingers IYSWIM? Great idea from PMo2 in getting her involved with the making though!

    Ironing? Nope, sorry, no idea.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£412.21
    • Hiddenidenity
    • By Hiddenidenity 8th Jun 17, 4:19 PM
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    Hiddenidenity
    Good ideas. Youngest and DD both have been helping. DS helped in the bits he wanted to then retreated to do man stuff with other half

    Oh fishcakes is something I've never thought about before! Good thinking maybe we will try them too! We have quite a bit of fish in the freezer and sometimes we get stuck with the same things in a pattern. We also have quite a lot of pork (something I really don't like) it usually ends up being pulled pork because I don't eat it I'm never sure what to make with it.

    Have offloaded some frozen bits my sister gave me to my neighbour. She was very greatful and her kids brought a homemade thank you card round

    Soups in the slow cooker with all the sad veg and bits from the fridge. Cakes/flapjacks and cereal bars made along with sausage rolls and pasties with several odd fillings using bits up

    DFW £718.71/£7348.71
    Rent Arrears £331.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • mummytogirls
    • By mummytogirls 8th Jun 17, 4:43 PM
    • 5,211 Posts
    • 15,272 Thanks
    mummytogirls
    Afternoon HI,

    So nice of you to give those frozen bits to your neighbour , I hope the universe repays you!!!

    A treat tea in our house consists of something with chips (oven) and beans!!! If I ever let my kids choose tea its usually pasta as we hardly ever have pasta.

    xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Toni'sfriend
    • By Toni'sfriend 8th Jun 17, 5:14 PM
    • 618 Posts
    • 5,566 Thanks
    Toni'sfriend
    What a great idea having a cooking day with the kids. They'll never go wrong if they know how to cook.
    I love pork but it's not everybody's favourite and I can't think of anything that would appeal to children particularly, Do they like stir fries or sweet and sour? Might be a little too "adult" for their taste.
    NSD 10/14 Weightloss 1.5/48 July womble £64.42 2017 Wombling total £1064.65
    • GeorgianaCavendish
    • By GeorgianaCavendish 8th Jun 17, 5:25 PM
    • 450 Posts
    • 1,928 Thanks
    GeorgianaCavendish
    Wow, HI - your cooking and baking day sounds amazing! I wish I could come for dinner at your place

    It is so lovely to get your kids involved in the cooking, its a great way to expose them to new foods and foods. My aunt used to do the same with my cousins as one of them used to be an extreme picky eater and had lots of phobias about food textures etc. He's all grown up now and has such an expanded diet - he loves fish now too
    Georgiana, Duchess of Debt-shire's July 2017 Debt Totals: HSBC Loan £11,362.14 / MBNA £8610.53 / Barclaycard £4,458.69 / Tesco £997.50 / Dreams £259

    And don't forget the Student Loan! £10,765.93 (April 2017)
    • Treadingonplaymobil
    • By Treadingonplaymobil 8th Jun 17, 8:21 PM
    • 737 Posts
    • 6,059 Thanks
    Treadingonplaymobil
    Baking day sounds ace. Whenever I do something like that with the DCs I'm reminded that actually it's not as difficult having them in the kitchen as I expect it to be.
    £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 6th June 17/DFD: £55,820.43/1st March 2025
    • Hiddenidenity
    • By Hiddenidenity 8th Jun 17, 8:47 PM
    • 3,763 Posts
    • 14,936 Thanks
    Hiddenidenity
    I'm not actually that good at cooking other than basics. It's more to keep them busy for free plus using up every last bit of our shopping to save waste and money

    Tonisfreind I never even thought of sweet and sour etc going to have a look for some easy recipes. Thank you.

    GC my older two really aren't too bad and will eat most things. Youngest is a complete nightmare and up until 6 months ago was totally formula fed a special formula (until being 3) so I think a lot is to do with this she missed the weaning stage etc.

    Done a Mr S shop to come tomorrow using a voucher they emailed and some nectar points £30.84 cost in actual money. I guess this is going to be easier and cheaper than other half and 3 smalls coming to the supermarket

    9 pairs of ladies shoes listed on ebay (given to me to list not mine but I'll still gain half what they sell for) not sure if or how they'll sell but the kids outgrown shoes surprised me and all sold last month

    DFW £718.71/£7348.71
    Rent Arrears £331.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • Bobarella
    • By Bobarella 8th Jun 17, 10:22 PM
    • 10,568 Posts
    • 68,988 Thanks
    Bobarella
    I've had a look,it looks brilliant! I'm going to watch tonight thank you.
    Originally posted by Hiddenidenity
    Hope you enjoy, the acting is lovely.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Hiddenidenity
    • By Hiddenidenity 8th Jun 17, 10:27 PM
    • 3,763 Posts
    • 14,936 Thanks
    Hiddenidenity
    Hope you enjoy, the acting is lovely.
    Originally posted by Bobarella
    I totally forgot to bring this back up.
    I watched and it was brilliant! Got to admit I had tears at some parts. I don't usually watch much TV but I couldn't move until it had finished. Thank you for bringing it up. It's such an eye opener how things happen and it's not always as it looks. I wish they'd been reunited before he passed away though.

    DFW £718.71/£7348.71
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    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • Bobarella
    • By Bobarella 8th Jun 17, 10:40 PM
    • 10,568 Posts
    • 68,988 Thanks
    Bobarella
    I totally forgot to bring this back up.
    I watched and it was brilliant! Got to admit I had tears at some parts. I don't usually watch much TV but I couldn't move until it had finished. Thank you for bringing it up. It's such an eye opener how things happen and it's not always as it looks. I wish they'd been reunited before he passed away though.
    Originally posted by Hiddenidenity
    I felt the same. And the mark of it being a good film was that they effectively killed the storyline halfway through but then made it watchable and interesting till the end. And then it was revealed to be a true story!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Hiddenidenity
    • By Hiddenidenity 9th Jun 17, 12:39 PM
    • 3,763 Posts
    • 14,936 Thanks
    Hiddenidenity
    Survey update
    Surveys 09/06/2017
    Yougov 4950 points. 50 points needed for £50 cash out.
    PanelBase £9.30 .. £0.70 needed to cash out (£12.50 cashed out)
    Populus 17 points .. 33 needed to cash out
    Opinion Outpost ... 45 points (£5 Amazon redeemed)
    Prolific .. £11.90 ...
    Onepoll.. £12.15 ... £40 needed to cash out
    Answerpoints 125 points ... 500 points needed for £5 amazon
    Pureprofile £1.75

    DFW £718.71/£7348.71
    Rent Arrears £331.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • Hiddenidenity
    • By Hiddenidenity 9th Jun 17, 12:46 PM
    • 3,763 Posts
    • 14,936 Thanks
    Hiddenidenity
    09/06 Weekly Update
    Debt 09/06/17

    Council Tax £2092.71 £1920 (£20 paid)
    Fine 1 £1250 £1225 (£25 paid)
    Fine 2 £200 £70
    Aunt £1000
    Mum £340 + £87
    Step Dad £1000
    Friend £1379 £1360

    Total £7348.71 £6915 ( £433.71 paid )


    Rent arrears £3381.28 £3260 (£121.28 paid)

    Debt + Rent £10722.99 £10175 (£547.99 paid)

    DFW £718.71/£7348.71
    Rent Arrears £331.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • Hiddenidenity
    • By Hiddenidenity 9th Jun 17, 12:58 PM
    • 3,763 Posts
    • 14,936 Thanks
    Hiddenidenity
    Debt 09/05/2017
    Council Tax £2092.71
    Fine 1 £1250
    Fine 2 £200
    Aunt £1000
    Mum £340 + £87
    Step Dad £1000
    Friend £1379

    Total £7348.71

    Rent Arrears £3381.28
    Originally posted by Hiddenidenity
    1 Month Update

    Council Tax £2092.71 £1920 (£172.71 Paid)
    Fine 1 £1250 £1225 (£25 Paid)
    Fine 2 £200 £70 (£130 Paid)
    Aunt £1000
    Mum £340 + £87 £340 (£87 paid)
    Step Dad £1000
    Friend £1379 £1360 (£19 paid)

    Total £7348.71 £433.71 Paid

    Rent Arrears £3381.28 £3260 (121.28 paid )

    Total £10722.99 £10175 (£547.99 Paid )

    5 week month however I'm pleased as other half has spent quite a lot on tools, okay a huge amount. He's also had the unplanned expense we've put £85 too (£50 left) and caught up on tv license etc.

    DFW £718.71/£7348.71
    Rent Arrears £331.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • Purplemumof2
    • By Purplemumof2 9th Jun 17, 1:58 PM
    • 4,713 Posts
    • 15,069 Thanks
    Purplemumof2
    Well done, thats a great first month

    Surveys are mounting up too, you'll soon have a few payouts too by the looks of things. x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 9th Jun 17, 5:52 PM
    • 3,763 Posts
    • 14,936 Thanks
    Hiddenidenity
    Well done, thats a great first month

    Surveys are mounting up too, you'll soon have a few payouts too by the looks of things. x
    Originally posted by Purplemumof2
    I cannot wait until I hit cashout some have taken ages! I think only being able to use my phone limits them.

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    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
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