Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,482Posts
    • 18,296Thanks
    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 £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
Page 30
    • Silver Queen
    • By Silver Queen 16th Jun 17, 10:48 AM
    • 140 Posts
    • 685 Thanks
    Silver Queen
    You do so well on surveys! Well done!
    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 16th Jun 17, 11:06 AM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    Surveys 16/06/2017
    Yougov 50 points. alot of points needed for £50 cash out. (£50 cashed out)
    PanelBase £4.10 .. £5.90 needed to cash out (£10 cashed out £12.50 recieved)
    Populus 21 points .. 29 needed to cash out
    Onepoll.. £13.50 ... £26.50 needed to cash out
    Answerpoints 125 points ... 500 points needed for £5 amazon
    Pureprofile £5.15
    I-say 600 points .. 90 points needed for £5 amazon
    My survey 0 points .. 575 needed to cash out (£10 cashed out)
    Valued Opinions £9... £15.50 needed for £15 amazon

    Prolific £31.53 available £52.13 pending

    Squeaky close to £5 Amazon on swagbucks too.

    So far for June cashed out
    £50 yougov
    £10 Panel base
    £10 My survey
    Last edited by Hiddenidenity; 16-06-2017 at 11:10 AM.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 16th Jun 17, 4:43 PM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    Meal plan this week is not really a meal plan Although, there's enough in for them all to have different and feel like they can choose, it will mean we are using up so 'odd' meals where I've froze one extra portion so not enough for the 4 of them to have the same anyway

    Tonight is something with jacket potato (late dinner as the kids visit relatives with my mum) so this is quick. Probably pulled pork for the males and tuna for the girls.

    Tomorrow lasagne, salad and garlic bread. Again quick and easy OH is working and I want to do some gardening.

    Sunday, Roast chicken dinner. (Anyone seen the pattern yet Sunday rule and chickens cheap and stretches )

    Monday Curry and rice using said chicken leftovers

    Tuesday Jacket potatoes again! We have an appointment right at school pick up time BOO! Probably with cheese/beans and bacon for the males and Cheese or tuna for the girls.

    Wednesday Spag bol and salad (might have to be garlic bread don't know how happy the salad will be come then )

    Thursday Chilli with the left over spag bol bulked out

    There's cereal/toast* and fruit for breakfasts

    There's fruit for snacks*

    *MAKE bread! Don't forget! This means there's toast if not then it will be cereal or pancakes No I won't forget will I

    *Snacks. Make flapjack and biscuits. Maybe some cakes for father's day. Depends what mood the kids are in
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 16th Jun 17, 7:30 PM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    £5 Amazon cashed out from I-say.

    Selfishly these are going on something I want

    Once I've got enough for in vouchers of course. Then they will be saved towards Xmas gifts.

    ETA and £5 Amazon cashed out on Swagbucks
    Last edited by Hiddenidenity; 16-06-2017 at 9:19 PM.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • UncannyScot
    • By UncannyScot 16th Jun 17, 9:11 PM
    • 511 Posts
    • 2,186 Thanks
    UncannyScot
    Sounds great

    Can I come for tea? Your meal planning is fantastic ;D
    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 16th Jun 17, 9:20 PM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    Sounds great

    Can I come for tea? Your meal planning is fantastic ;D
    Originally posted by UncannyScot
    Anytime Always plenty of food to go round here
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • emmie26
    • By emmie26 16th Jun 17, 10:11 PM
    • 468 Posts
    • 1,645 Thanks
    emmie26
    Ooh you've given me some ideas to make my measly food last until payday, I can't tell you how empty my fridge/freezer is, it's embarrassing!

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 16th Jun 17, 10:24 PM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    Ooh you've given me some ideas to make my measly food last until payday, I can't tell you how empty my fridge/freezer is, it's embarrassing!
    Originally posted by emmie26
    Make a meal out of nothing me

    Even if it meals all 4 having something different (I make the kids think its a treat I always freeze a 'left over' portion too. Even if it isn't a full portion it can be made more with veg/potato or rice etc or even stirred through pasta to make it look more)

    I make the most basic bread ever! and why its on to bake I'll put biscuits/flapjack or something else in the oven too.

    I'm quite lucky the kids love pancakes and feel like its a 'treat' and its about 10p for a plate full

    My cooking is really basic, and I'm not adventurous, or have loads of fancy ingredients
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 17th Jun 17, 10:45 AM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    Another day in the crazy household.

    Kids much dissapointed I've declared no computer games today! DS is becoming a bit too much of hidden in the bedroom syndrome. Naughty naughty. Back to 30 mins a day I think! He seem's to think hes 18 not 8!

    Its lovely weather all the washing is done and the bedding all hung out to line dry, can't beat the feeling of climbing into bedding that's been dried outside small things

    Still doing surveys they do get a bit boring must keep the end goal in sight

    Kids have finally been fought into the shower, dressed and chucked outside after having bacon and eggs for breakfast along with a pot of 'tea' that was really water .. still feel like a cafe but hey it keeps them pleased its worth it

    Fathers day cards are half made and will be finished later.

    Not much else to report, general cleaning is done but I want to do some jobs outside, make better steps on the castle, and make the side rails a bit higher because kids will be kids and have been caught sitting on the current rail

    We've made our whole garden furniture for the kids and castles and tree house all from free wood and pallets. All the local kids now see our garden as the best ever
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Toni'sfriend
    • By Toni'sfriend 17th Jun 17, 10:55 AM
    • 773 Posts
    • 6,668 Thanks
    Toni'sfriend
    I get tired just reading your diary. Where do you get your energy from. Did you ever get the cooker and beds sorted out?
    NSD 9/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • Hiddenidenity
    • By Hiddenidenity 17th Jun 17, 11:12 AM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    No new to us cooker yet.

    The kids beds are sort of sorted, not from my mum though yet. If the ones of mum don't come off we will replace what we are currently using one by one, but for now they are fine to use just not brilliant
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Toni'sfriend
    • By Toni'sfriend 17th Jun 17, 11:35 AM
    • 773 Posts
    • 6,668 Thanks
    Toni'sfriend
    Hope the beds get sorted soon but it's good that they are ok for the present.
    Your meal plan looks great and I'm sure that you're a much better cook than you think. I really admire people who can bake bread and biscuits. You know there is nothing wrong with basic cooking. I grew up on my wee grannies soup and mince and tatties and I was a very healthy child. It does you credit that you do all this from scratch - no ready meals to be seen.
    NSD 9/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • Hiddenidenity
    • By Hiddenidenity 17th Jun 17, 11:39 AM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    Short term goals June

    Council tax £120 (28th June) - £0/£120
    A new diary I want need £15*
    Rest of unplanned OH purchase £50 - £0/£50 not in budget nor debt amount
    OH £175 - £0/175 don't even ask.


    The plan is survey, more survey, Ebay and scrimp on everything else. I won't allocate it until it's actually reached the account.

    *Diary yes I know stupid expense, I won't buy it with money only with the sites I can only cashout vouchers.

    Amazon balance £5 (Awaiting £5 coming through)
    Yougov cashed out £50 don't think it will be in the bank in June though.
    My survey £10 cashed out to Paypal no idea how long never done it to paypal before.
    PA £68.33 Available/£36.70 pending

    Ebay - 9 items listed, only 2 with 99p bids half the profit is mine, half mums. I will let them end this week and what doesn't see can go back to her and will swap for other items. I can only list 10 items a month.

    OH trip. Needs £90 on the 30th the rest by the end of next month. Just want to get it paid tbh. I'm past worrying about it and disagreeing with him over it. The other £50 needs to be paid over the next 2/3 weeks too otherwise it will go up again
    Last edited by Hiddenidenity; 17-06-2017 at 11:44 AM.
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 17th Jun 17, 11:41 AM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    Hope the beds get sorted soon but it's good that they are ok for the present.
    Your meal plan looks great and I'm sure that you're a much better cook than you think. I really admire people who can bake bread and biscuits. You know there is nothing wrong with basic cooking. I grew up on my wee grannies soup and mince and tatties and I was a very healthy child. It does you credit that you do all this from scratch - no ready meals to be seen.
    Originally posted by Toni'sfriend
    I have the oldest bero cook book ever. Seriously I think it's older than me. I love how 'easy' the recipes are and no crazy ingredients you'll use once and never again. The kids love picking which biscuits/treats they want from it. I really don't do ready meals you're right I find them expensive Yet everyone I speak to think its cheaper than cooking?
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Toni'sfriend
    • By Toni'sfriend 17th Jun 17, 11:55 AM
    • 773 Posts
    • 6,668 Thanks
    Toni'sfriend
    A Bero cookbook! My mum had one of those. I can picture it even now.
    I don't buy ready meals either. For a start they just don't taste as good and they are much more expensive than cooking from scratch. I bet you can practically feed your family for a week with a chicken and a pack of mince.
    NSD 9/15 Weightloss 1.3/7 Aug womble £53.02 2017 Wombling total £1191.64
    • pennywisepoundstupid
    • By pennywisepoundstupid 17th Jun 17, 2:21 PM
    • 4,293 Posts
    • 12,841 Thanks
    pennywisepoundstupid
    I also have an old tatty bero book and a stork margarine one which was my nan's, some great recipes though.

    Have you tried panelbase for survey, they are pretty good and can cash out at £10.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Save for summer £500/£500
    EXTRA DEBT PAYMENT AUGUST -MBNA£1000/£373
    • Hiddenidenity
    • By Hiddenidenity 17th Jun 17, 2:38 PM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    I do use panelbase, It's one of the ones I find best.

    I love my bero book, it certainly looks well loved too
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • Hiddenidenity
    • By Hiddenidenity 17th Jun 17, 2:40 PM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    I love this weather, kids are now happy to be outside.. might have something to do with the ice cream van being visited So not a NSD Might as well put my electric and gas on today too then it doesn't spoil another NSD.

    Suppose to be lasagne for dinner tonight but I think it's going to be sandwiches and salad etc
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
    • emmie26
    • By emmie26 17th Jun 17, 10:55 PM
    • 468 Posts
    • 1,645 Thanks
    emmie26
    IT is really difficult to plan meals in this heat, we had pizza. The ice cream van was outside our house but luckily DH had brought 3 boxes if ice creams which were stashed in the freezer, so mine and the neighbours children had those. For a long time we told the children if the music was playing on the ice cream van then they has ran out - they used to go mad that he sat outside our house with an empty van it started as a joke but went on for ages

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 18th Jun 17, 8:28 AM
    • 4,482 Posts
    • 18,296 Thanks
    Hiddenidenity
    IT is really difficult to plan meals in this heat, we had pizza. The ice cream van was outside our house but luckily DH had brought 3 boxes if ice creams which were stashed in the freezer, so mine and the neighbours children had those. For a long time we told the children if the music was playing on the ice cream van then they has ran out - they used to go mad that he sat outside our house with an empty van it started as a joke but went on for ages
    Originally posted by emmie26
    thats a good idea! We are quite lucky that we don't have a road at the front of ours but he was parked on our square yesterday for some walkers that where doing a charity walk. I hardly ever buy ice cream from the vans it costs a fortune wasn't too bad yesterday, he didn't have much left no chocolate or toppings etc so gave them double cones with raspberry sauce for 75p
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £85 Amazon
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

929Posts Today

7,277Users online

Martin's Twitter