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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,768Posts
    • 20,755Thanks
    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 26
    • mummytogirls
    • By mummytogirls 9th Jun 17, 5:55 PM
    • 5,427 Posts
    • 16,546 Thanks
    mummytogirls
    Well done on your first month HI, keep going xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 9th Jun 17, 8:42 PM
    • 4,265 Posts
    • 23,376 Thanks
    Sun Addict
    All looking good, well done
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Hiddenidenity
    • By Hiddenidenity 9th Jun 17, 10:38 PM
    • 4,768 Posts
    • 20,755 Thanks
    Hiddenidenity
    Snowball calculator says my DFD is September 2019!

    I want to beat this that's my aim!

    I can't work out % because it just goes over my head
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • emmie26
    • By emmie26 10th Jun 17, 12:11 AM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    what an amazing first month, that is great on such a limited budget and with all your little ones. Keep it up and I'm sure you will smash through that debt free date and just think of what you could afford if the debt money was going towards a holiday or something else equally lovely (I'm just obsessed with holidays ) that is what is keeping me going.

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Doobop
    • By Doobop 10th Jun 17, 8:32 AM
    • 171 Posts
    • 1,563 Thanks
    Doobop
    You have done amazingly well, I can't believe you have managed so much in a month. Keep it up!
    • Suffolk lass
    • By Suffolk lass 10th Jun 17, 10:45 AM
    • 1,476 Posts
    • 16,877 Thanks
    Suffolk lass
    Snowball calculator says my DFD is September 2019!

    I want to beat this that's my aim!

    I can't work out % because it just goes over my head
    Originally posted by Hiddenidenity
    To work out the percentage you have paid, put the small number (the amount paid) in your calculator and divide it by the big number (total) - For May you have paid:

    5.9% of your grouped debts
    3.6% (rounded up) of your rent arrears
    5.17% of the total you owe
    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 10th Jun 17, 12:05 PM
    • 4,768 Posts
    • 20,755 Thanks
    Hiddenidenity
    To work out the percentage you have paid, put the small number (the amount paid) in your calculator and divide it by the big number (total) - For May you have paid:

    5.9% of your grouped debts
    3.6% (rounded up) of your rent arrears
    5.17% of the total you owe
    Originally posted by Suffolk lass
    Wow thank you that is so much easier than I was making it

    Thank you
    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 10th Jun 17, 12:07 PM
    • 4,768 Posts
    • 20,755 Thanks
    Hiddenidenity
    what an amazing first month, that is great on such a limited budget and with all your little ones. Keep it up and I'm sure you will smash through that debt free date and just think of what you could afford if the debt money was going towards a holiday or something else equally lovely (I'm just obsessed with holidays ) that is what is keeping me going.
    Originally posted by emmie26
    I'm quite happy now I've seen it wrote down, I was getting a bit fed up before I'd seen it and yes I love time away

    You have done amazingly well, I can't believe you have managed so much in a month. Keep it up!
    Originally posted by Doobop
    Thank you I'm sure not every month will be the same but gotta take the bad along with the good
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Bobarella
    • By Bobarella 10th Jun 17, 4:35 PM
    • 10,473 Posts
    • 69,438 Thanks
    Bobarella
    Have every faith in you hitting that DFD Hidden!
    " 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 10th Jun 17, 5:37 PM
    • 4,768 Posts
    • 20,755 Thanks
    Hiddenidenity
    Today has been so boring. The kids have played games and we have just been cleaning. Its all I seem to do

    Popped to my mum's for a cuppa, shes having issues with her staff at work and I just know she sits worrying about it. They walk all over her and don't treat her with any respect! I bet they aren't sat at home worrying themselves sick over it Anyway made her a cuppa and we had a giggle over some old photos they had found.

    Uniforms are all ready for Monday, new school shoes came today and will hopefully last now until end of term. Its only 5 weeks, surely they can't grow too much in that time

    Burger and wedges for dinner this evening! So unhealthy but not as unhealthy as shop bought/take away
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Toni'sfriend
    • By Toni'sfriend 10th Jun 17, 6:02 PM
    • 817 Posts
    • 7,295 Thanks
    Toni'sfriend
    Nothing wrong with a burger now and again. Glad to see your relationship with your mother seems to be improving.
    • Hiddenidenity
    • By Hiddenidenity 10th Jun 17, 7:17 PM
    • 4,768 Posts
    • 20,755 Thanks
    Hiddenidenity
    Finally hit payout on yougov

    I'm not sure what to do with my other sites? Cashout now as I've hit the minimum payout or leave it to build up? What do others do?
    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 10th Jun 17, 8:36 PM
    • 4,265 Posts
    • 23,376 Thanks
    Sun Addict
    Debt free date of 2019 not that bad, only 2 years. But obviously if you can smash that target it would be fantastic - go for it
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 10th Jun 17, 8:49 PM
    • 5,427 Posts
    • 16,546 Thanks
    mummytogirls
    Could do with some of your cleaning motivation round here HI

    Yay to Yougov pay out xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 10th Jun 17, 8:58 PM
    • 4,768 Posts
    • 20,755 Thanks
    Hiddenidenity
    Debt free date of 2019 not that bad, only 2 years. But obviously if you can smash that target it would be fantastic - go for it
    Originally posted by Sun Addict
    As long as its before my 30th Birthday I'll be happy, which Sept 19 is, so long as there's no major step backs or falling of the wagon

    Could do with some of your cleaning motivation round here HI

    Yay to Yougov pay out xx
    Originally posted by mummytogirls
    I love cleaning
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • mummytogirls
    • By mummytogirls 10th Jun 17, 9:00 PM
    • 5,427 Posts
    • 16,546 Thanks
    mummytogirls
    Cant say I'm cleanings biggest fan!! I like it when its all done though.
    Ironings ok... if its kept up to! x
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 10th Jun 17, 9:06 PM
    • 4,768 Posts
    • 20,755 Thanks
    Hiddenidenity
    Cant say I'm cleanings biggest fan!! I like it when its all done though.
    Ironings ok... if its kept up to! x
    Originally posted by mummytogirls
    Ironing drives me insane I love it when i actually do it everyday, if I miss a day it's then a job just to get me to plug the iron in

    My sister on the other hand is the total opposite and hates cleaning, and doesnt even own an iron and ironing board
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 10th Jun 17, 11:16 PM
    • 618 Posts
    • 2,755 Thanks
    UncannyScot
    What are these survey thingies that folks are on about?
    How can I make some savings from these too?
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Hiddenidenity
    • By Hiddenidenity 10th Jun 17, 11:28 PM
    • 4,768 Posts
    • 20,755 Thanks
    Hiddenidenity
    What are these survey thingies that folks are on about?
    How can I make some savings from these too?
    Originally posted by UncannyScot
    The up your income board has loads of good advice and this link

    http://www.moneysavingexpert.com/family/make-money-surveys?_ga=2.51445225.1741548189.1497003551-10722066.1497003551

    I've just gone through and signed up to the ones I wasn't registered with
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 10th Jun 17, 11:30 PM
    • 618 Posts
    • 2,755 Thanks
    UncannyScot
    Thank you
    You are a star
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
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