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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 3,759Posts
    • 14,905Thanks
    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 32
    • kirtsypoos
    • By kirtsypoos 19th Jun 17, 5:17 PM
    • 2,856 Posts
    • 12,249 Thanks
    kirtsypoos
    Hugs HI - I'm sure whatever has happened you will sort it, you're like wonder woman spinning all those plates!
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • Toni'sfriend
    • By Toni'sfriend 19th Jun 17, 5:21 PM
    • 614 Posts
    • 5,543 Thanks
    Toni'sfriend
    Oh dear. I'm sure you'll sort it out - you always do. Have a good scream - I always find that helps.
    NSD 10/14 Weightloss 1.5/48 July womble £51.85 2017 Wombling total £1051.88
    • Hiddenidenity
    • By Hiddenidenity 19th Jun 17, 5:23 PM
    • 3,759 Posts
    • 14,905 Thanks
    Hiddenidenity
    He has lost his bonus and spent out of last weeks wages.
    He's only come 'clean' now because he knows I'll see tomorrow on the tax account what his wage will be.

    It's just so selfish! considering he's already got us struggling to find over £200 over the next 2 weeks on things he owes out

    I feel like one step forward and 10 back!

    He doesn't know I have the money coming from surveys but what if I didn't have that?

    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
    • Toni'sfriend
    • By Toni'sfriend 19th Jun 17, 5:31 PM
    • 614 Posts
    • 5,543 Thanks
    Toni'sfriend
    I am so sorry, Hidden. Words fail me. I just don't know what to say.
    NSD 10/14 Weightloss 1.5/48 July womble £51.85 2017 Wombling total £1051.88
    • UncannyScot
    • By UncannyScot 19th Jun 17, 6:03 PM
    • 371 Posts
    • 1,380 Thanks
    UncannyScot
    I can think of lots of names to call your OH right now but it won't help you any
    You'll manage, as you always do...
    (((((HUGS)))))
    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 19th Jun 17, 6:31 PM
    • 3,759 Posts
    • 14,905 Thanks
    Hiddenidenity
    Honestly I don't even post half of what he actually spends on here. He has at least £20 a day. That isn't even in the budget. If he doesn't have the £20 he runs up the debt until payday/the following payday and so on.

    So every single week he's behind, so much so he owes to one over £400. Along side the £200+ I need to find in the next 2 weeks before things escalate to worse!

    Times like today makes me question why I even bother!

    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
    • Toni'sfriend
    • By Toni'sfriend 19th Jun 17, 6:44 PM
    • 614 Posts
    • 5,543 Thanks
    Toni'sfriend
    What on earth does he spend all that money on? And if he owes someone £400 why do they keep lending him more? Sorry, it's just a mystery to me. Hope you're OK.
    NSD 10/14 Weightloss 1.5/48 July womble £51.85 2017 Wombling total £1051.88
    • Eager_Elephant
    • By Eager_Elephant 19th Jun 17, 7:04 PM
    • 3,954 Posts
    • 20,947 Thanks
    Eager_Elephant
    Honestly I don't even post half of what he actually spends on here. He has at least £20 a day. That isn't even in the budget. If he doesn't have the £20 he runs up the debt until payday/the following payday and so on.

    So every single week he's behind, so much so he owes to one over £400. Along side the £200+ I need to find in the next 2 weeks before things escalate to worse!

    Times like today makes me question why I even bother!
    Originally posted by Hiddenidenity
    I won't comment on what I think of him but this bit in bold stood out for me - is he borrowing from a loan shark as I can't imagine owing a friend would escalate to worse....,

    I'm assuming £20 is a pack of fags (£8) plus food and drink throughout the day???
    Ninja Saving Turtle No. 4 for July
    NSD - 2/16
    (up to 5/7/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Hiddenidenity
    • By Hiddenidenity 19th Jun 17, 7:42 PM
    • 3,759 Posts
    • 14,905 Thanks
    Hiddenidenity
    Oh no he still spends on fags £9.40 for 20 and his lunches 'I' pay for out the budget, £15 dinners, £15 bus pass

    Anyway nothing can be done about it now, he's done it again

    I've fed and bathed the kids, they are happily in bed now, and I'm going to join them

    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
    • emmie26
    • By emmie26 19th Jun 17, 9:22 PM
    • 424 Posts
    • 1,353 Thanks
    emmie26
    Oh no, what a flipping pain, hope you feel better after a good nights sleep. I wonder what would happen if you left him to budget everything, I'd like to think he would be more careful but I don't think that would be the case, I think you would be bankrupt.
    Thank god you are on the ball, we all have faith that somehow you will manage to pay your debts, feed your kids and basically keep juggling all the balls.

    Total Debt: £24,359.79 £23,124
    debt reduced by 5%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 19th Jun 17, 11:43 PM
    • 3,759 Posts
    • 14,905 Thanks
    Hiddenidenity
    Well he's home, he's also broke his phone and lost this weeks bonus and its only Monday, so no doubt next weeks wage will be just as **** as this week because he'll think oh I've lost my bonus anyway and be lazy!

    I can't sleep so up doing some jobs and just having a cuppa.

    £10 from Panelbase has hit my bank. £80 is available on PA and nearly £50 pending. I was trying to wait to £100 to cash out but might just cash out the £80 now and pay the council tax as soon as it clears and let it build up again ready for next months Council tax? Unsure though.

    Need to take DS for his haircut this week, and if the hot weather is going to stay around I need a t-shirt, I cannot cope in a sweater in this weather. I was dying on the school run this afternoon and I'm sure I looked just as stupid as I felt.

    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 20th Jun 17, 5:29 AM
    • 4,710 Posts
    • 15,064 Thanks
    Purplemumof2
    Oh HI, what a pain.

    Big hugs to you my friend xx
    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
    • Toni'sfriend
    • By Toni'sfriend 20th Jun 17, 8:17 AM
    • 614 Posts
    • 5,543 Thanks
    Toni'sfriend
    Hello Hidden
    I hope you have a better day today. I hope he doesn't expect you to buy him a new phone,
    NSD 10/14 Weightloss 1.5/48 July womble £51.85 2017 Wombling total £1051.88
    • Hiddenidenity
    • By Hiddenidenity 20th Jun 17, 8:55 AM
    • 3,759 Posts
    • 14,905 Thanks
    Hiddenidenity
    I have no idea what he's going to do.
    Means I have peace why he's at work today though because he hasn't got a phone

    Well another morning and another night with no real sleep. Going to call her team today because this isn't good for either of us!

    Must go and pay the TV license today it shows I'm £6 behind now I keep forgetting to take the card with me I have put it on the fridge now so I don't forget!

    Jacket potatoes/Chicken salad for dinner tonight, too hot to 'cook'

    Twinks hobnobs went down well! They've asked for them again. Might chuck some in with the potatoes later.

    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
    • monz
    • By monz 20th Jun 17, 10:43 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    Aw god!!! your OH >!!

    Hope you are ok! and keep that PA to yourself and dont tell him so he think he can spend elsewhere xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • Hiddenidenity
    • By Hiddenidenity 20th Jun 17, 7:32 PM
    • 3,759 Posts
    • 14,905 Thanks
    Hiddenidenity
    Well I'm still annoyed at OH but I guess I should shut up seeing as I choose to put up enough about him.

    Not a NSD £3 on Ice cream van Opps!

    Got loads done outside today, caught up with the ironing and got some baking done along side the usual cleaning. Youngest is def brewing an illness, she's rapidly gone downwards through the day. Broke out rescue meds hoping we can get on top of it at home.

    Blocked my internet banking for my 'main' account. Ordered new card/and log in details 5-7 working days can't believe I did it.

    Going to withdraw from PA £90 because this will hit other account hopefully incase we need a hospital run and of course if not as soon as my account is up and running it will go straight of the CT.

    I owe a huge thank you to EE for telling me about the Energy trust, received a phonecall today and I will have a shiny new cooker in the next 2 weeks this has made my year! never mind day or week!

    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 20th Jun 17, 9:19 PM
    • 4,710 Posts
    • 15,064 Thanks
    Purplemumof2
    Well I'm still annoyed at OH but I guess I should shut up seeing as I choose to put up enough about him.

    Not a NSD £3 on Ice cream van Opps!

    Got loads done outside today, caught up with the ironing and got some baking done along side the usual cleaning. Youngest is def brewing an illness, she's rapidly gone downwards through the day. Broke out rescue meds hoping we can get on top of it at home.

    Blocked my internet banking for my 'main' account. Ordered new card/and log in details 5-7 working days can't believe I did it.

    Going to withdraw from PA £90 because this will hit other account hopefully incase we need a hospital run and of course if not as soon as my account is up and running it will go straight of the CT.

    I owe a huge thank you to EE for telling me about the Energy trust, received a phonecall today and I will have a shiny new cooker in the next 2 weeks this has made my year! never mind day or week!
    Originally posted by Hiddenidenity
    Doh to the account blocking! Easily done though.

    Well done on the survey payouts.

    EE is a trooper! Glad your cooker is on its way
    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
    • Toni'sfriend
    • By Toni'sfriend 20th Jun 17, 9:21 PM
    • 614 Posts
    • 5,543 Thanks
    Toni'sfriend
    Great news about the cooker. Hope the wee one gets better.
    NSD 10/14 Weightloss 1.5/48 July womble £51.85 2017 Wombling total £1051.88
    • Hiddenidenity
    • By Hiddenidenity 20th Jun 17, 9:22 PM
    • 3,759 Posts
    • 14,905 Thanks
    Hiddenidenity
    Doh to the account blocking! Easily done though.

    Well done on the survey payouts.

    EE is a trooper! Glad your cooker is on its way
    Originally posted by Purplemumof2
    I was so annoyed I'd done it, I've used that account for over 6 years! Never done my pin wrong etc to log in! I wanted to cry

    EE is amazing! I had't even heard of it, then I really didn't think it would be granted at all! I didn't know what to say when I got the phone call! I was like erm.. erm.. wow...

    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 20th Jun 17, 9:25 PM
    • 5,211 Posts
    • 15,272 Thanks
    mummytogirls
    Evening HI,

    So sorry to hear you've not had a good start to the week but how exciting about the new cooker. Soooo excited for you!!!

    Get yourself to Primarni and buy yourself a t-shirt girl, can't be wearing a jumper in this weather!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
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