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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,772Posts
    • 20,819Thanks
    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 29
    • Silver Queen
    • By Silver Queen 14th Jun 17, 11:55 AM
    • 142 Posts
    • 715 Thanks
    Silver Queen
    Hope you feel better soon my lovely.
    Debt Totals 01/07/17:
    £350 Natwest Credit Card / Now £0 £15,500 Loan from Parents / Currently £12,500 £2,000 Overdraft Now £1,000
    • Hiddenidenity
    • By Hiddenidenity 15th Jun 17, 9:00 AM
    • 4,772 Posts
    • 20,819 Thanks
    Hiddenidenity
    Thank you, can't seem to shift it this week. OH told me to call the GP because he doesnt know what to do

    Anyway, still no extra payments made. There won't be now this week obviously. We also now know that annual leave means we can't afford our outgoings. It was his idea about the not taking anymore other than Xmas, however I did day at least then if it comes to youngest needing an hospital stay they will allow him to cash in holidays to cover time off needed, another good thing. Him needing the unpaid leave is what got us in such a mess to start with. He's accepted Saturday this week too, no extra on weekdays as no one else will stay and they aren't allowed to stay alone.

    Online tax account shows he's owed £27.80. Better than the other way round and us owing them

    EDF trust emailed to ask some questions, and have now said it will be completed and a decision sent in the post. Fingers crossed! I'm not getting my hopes up, I realise there is people much worse off than us.

    I have until the 28th to sort the council tax for this month. My plan is the above tax refund should be in by then, I'm sticking with surveys and will draw as much out of PA on the 20th so its in the bank before the 28th. This should be a massive help as I'm up to £72 on PA between pending and payable.

    Food. Something I can always cut back on for a week. The plan is potatoes and milk. Manage with whats in for the rest for the following week
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • tori.k
    • By tori.k 15th Jun 17, 9:46 AM
    • 2,828 Posts
    • 6,214 Thanks
    tori.k
    Here's to hoping the energy company comes back with good news, no news from the youngest disability claim? I don't know what the timeline is for these things or if it's worthwhile​ badgering them.
    Life does feel like your dancing the tango in the early days of debt repayment, so I suggest you do just that bang out some music and dance like you haven't a care in the world, even if it just for a few minutes, your feel a lot better for it even if it's just for a short while.
    Debit to Credit (stage 1) 3652.34 completed 15/10/16
    Debit to Credit (stage 2) 6299.09 completed 25/06/17
    Last Castle 150,000/ 25300
    • Hiddenidenity
    • By Hiddenidenity 15th Jun 17, 12:20 PM
    • 4,772 Posts
    • 20,819 Thanks
    Hiddenidenity
    So £5 paid to Council tax. 8p left in the bank now

    £130 to find for the 28th. This is my mini target. Going to make little targets to feel like I'm getting somewhere.
    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 15th Jun 17, 4:10 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    Just got all excited at your previous post, where you said food 'potatoes and milk' I thought it was some recipe I needed to have, as this is all that's in my house at the minute, then I realised it was your shopping list

    Hope you are feeling better soon and you manage to juggle your pennies although you always manage it somehow, you are like a magician!

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 15th Jun 17, 4:39 PM
    • 4,772 Posts
    • 20,819 Thanks
    Hiddenidenity
    Just got all excited at your previous post, where you said food 'potatoes and milk' I thought it was some recipe I needed to have, as this is all that's in my house at the minute, then I realised it was your shopping list

    Hope you are feeling better soon and you manage to juggle your pennies although you always manage it somehow, you are like a magician!
    Originally posted by emmie26
    Mashed potatoes
    Potato cakes
    Potato gratin
    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 15th Jun 17, 5:31 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    Haha the kids will be chuffed when I tell them it's a bowl of mash for tea

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Toni'sfriend
    • By Toni'sfriend 15th Jun 17, 5:35 PM
    • 817 Posts
    • 7,296 Thanks
    Toni'sfriend
    Actually, I'd be OK with a big bowl of mashed potato for tea. Never thought of that. What a good idea.
    • UncannyScot
    • By UncannyScot 15th Jun 17, 6:28 PM
    • 626 Posts
    • 2,817 Thanks
    UncannyScot
    Ahm havin a BIG fry up
    Just cos I had a good day (and my wee mammy gave me a breakfast pack from her local butcher )
    I will wash it down with a couple of nice ales 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.
    • Silver Queen
    • By Silver Queen 15th Jun 17, 7:01 PM
    • 142 Posts
    • 715 Thanks
    Silver Queen
    Mashed potato and gravy = greatest meal on the planet. Just saying.
    Debt Totals 01/07/17:
    £350 Natwest Credit Card / Now £0 £15,500 Loan from Parents / Currently £12,500 £2,000 Overdraft Now £1,000
    • Hiddenidenity
    • By Hiddenidenity 15th Jun 17, 10:45 PM
    • 4,772 Posts
    • 20,819 Thanks
    Hiddenidenity
    ^^ Totally agree! I could have mash and gravy for every meal

    But no in this house they all had chilli today I'm going to make a sandwich once I get back up

    Another £5 cashed out from My survey. Awaiting £70 to go into the bank I've already cashed out. Up to £83 on PA (between pending and payable)

    So hopefully some is in the bank before the 28th.
    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 15th Jun 17, 10:55 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    I need to get involved with these surveys, they are a good little earner for you. Fingers crossed they put the money across in time for council tax.

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 15th Jun 17, 10:58 PM
    • 4,772 Posts
    • 20,819 Thanks
    Hiddenidenity
    I need to get involved with these surveys, they are a good little earner for you. Fingers crossed they put the money across in time for council tax.
    Originally posted by emmie26
    Check the referrals board for my someones referral if you do decide to join

    PA is by the best I've come across. I just log in across the day to see if there's anything available rather than wait for an email invite
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Treadingonplaymobil
    • By Treadingonplaymobil 16th Jun 17, 5:08 AM
    • 938 Posts
    • 7,998 Thanks
    Treadingonplaymobil
    You're going great guns on the surveys, well done.
    £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 2nd Aug 17/DFD: £55,011.96/1st May 2025
    • Purplemumof2
    • By Purplemumof2 16th Jun 17, 5:21 AM
    • 5,071 Posts
    • 16,667 Thanks
    Purplemumof2
    Hi HI,

    Well done on the surveys, you're doing really well.

    I like the idea of the mini challenge, you'll have the money you need in no time.

    Not a massive fan of mash but I do love saut!ed potatoes.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 16th Jun 17, 7:08 AM
    • 4,772 Posts
    • 20,819 Thanks
    Hiddenidenity
    Debt 16/06/17

    Council Tax £2092.71 £1900 (£20 paid)
    Fine 1 £1250 £1200 (£25 paid)
    Fine 2 £200 £65 (£5 paid)
    Aunt £1000
    Mum £340 + £87
    Step Dad £1000
    Friend £1379 £1360

    Total £7348.71 £6865 ( £483.71 paid )


    Rent arrears £3381.28 £3240 (£141.28 paid)

    Debt + Rent £10722.99 £10105 (£617.99 paid)

    Not much improvement this week
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplemumof2
    • By Purplemumof2 16th Jun 17, 7:13 AM
    • 5,071 Posts
    • 16,667 Thanks
    Purplemumof2
    Not much improvement this week
    Originally posted by Hiddenidenity
    It's going the right way Hun. Even the smallest of amounts make a difference x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 16th Jun 17, 9:09 AM
    • 2,727 Posts
    • 7,671 Thanks
    monz
    Ever pound counts!!! You are doing it thats the main thing <3xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50
    sisters xmas vouchers topshop (surveys ) 0/30
    Dads xmas voucher amazon (surveys) 0/25
    Australia 2019 - /5000
    • XSpender
    • By XSpender 16th Jun 17, 9:11 AM
    • 2,589 Posts
    • 26,727 Thanks
    XSpender
    Not much is still some. Keep at it

    Mashed potato and baked beans is my favourite comfort food.
    PAYDBX 2017 #99 from 4/5 - £2664.28/£10,000 26.6%
    Total Owed £39,547.78 May '17 Total owed July 17 £36883.50 Savings goal £1000 EF - £400
    DFD - May 2021 goal Feb 2020
    • Hiddenidenity
    • By Hiddenidenity 16th Jun 17, 10:33 AM
    • 4,772 Posts
    • 20,819 Thanks
    Hiddenidenity
    Thank you I know you're all right! I need to kick myself out of this mood sorry x

    Food shop done, called in Mr Al while picking up a new med of youngests. Lets hope it stops the effects of the steroid reducing! I need sleep!

    £8.47 in Mr Al (Brocoli/plums/grapes/6L milk/potatoes/carrots/eggs/lettuce/apples) Yeah I know more than just the 2 items I said

    10p in HB on haribo for youngest bad mum feeding her sweets
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

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